Table of Contents
Mortgage ratio for residential properties, commercial and industrial shops, and parking spaces
| Property Condition/Asset Type | Property prices | Latest LTV Cap |
| Residential property for own use | Any property price | 70% |
| Residential property (not for personal use/company ownership) | Any property price | 70% |
| Commercial and industrial shops, parking spaces | Any property price | 70% |
The latest loan-to-value ratio for mortgage insurance
| Property prices | Maximum loan-to-value ratio |
| Less than 10 million | 90%* |
| 10 million to 11.25 million | 80%-90%*(Loan limit 9 million) |
| 11.25 million to 15 million | 80% |
| 15 million to 17.15 million | 70%-80% (loan limit NT$12 million) |
| 17.15 million to 30 million | 70% |
Key demarcation points
- 10 million：The percentage drops from 90% to the upper limit that needs to be calculated (9 million), and the percentage gradually decreases after the price exceeds it.
- 11.25 million: The rule that the ratio is fixed at 80% and the loan amount does not exceed 9 million has ended.
- 15 million：The percentage is subject to an upper limit of 12 million starting from 80% and gradually decreases to 70%.
- 17.15 million: The ratio is fixed at 70% and is no longer subject to the loan cap.
Precautions
- The above rules apply to loans through the Mortgage Insurance Program, which may be different from the normal LTV ratio (usually up to 60%).
- The actual approval needs to consider factors such as the borrower's income and credit rating.
- The demarcation point prices (such as 11.25 million and 17.15 million) are usually divided into ranges according to the "left closed and right open" principle.
