How Taiwanese banks assess foreign buyers
Banks in Taiwan typically apply stricter criteria to foreign nationals, especially regarding income stability, residency duration, and loan-to-value ratios. APRC holders and applicants with local guarantors or Taiwanese spouses generally receive more favorable consideration.
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Mortgage eligibility for foreigners in Taiwan – FAQ
Yes, foreign residents can obtain a mortgage from Taiwanese banks, but approval criteria
are generally stricter than for local citizens. Loan-to-value ratios are usually lower,
and banks assess residency status, income stability, and property type carefully.
APRC holders are generally viewed more favorably by banks, as permanent residency
reduces long-term risk. Gold Card holders may also benefit, but approval conditions
still depend on income source, down payment, and residency duration.
Some banks accept foreign income, but it is often subject to additional verification
and may reduce the maximum loan amount. Income earned in Taiwan is generally easier
for banks to assess.
Yes. Pre-sale properties are considered higher risk, especially for foreign buyers.
Some banks may require a Taiwanese guarantor or spouse, or may decline financing
altogether depending on the project and buyer profile.
Foreign buyers are typically expected to provide a higher down payment than locals.
A minimum of 30% is common, while 40–50% can significantly improve eligibility
and loan conditions.
