What is the Youth Home Loan, and can you still apply?
The Youth Home Loan is a government-subsidised first-home mortgage offered through state-owned banks. From August 2026 it became Youth Home Loan 3.0, with significantly different terms. This page covers eligibility, loan amounts, rates and how to apply, and lets you check whether you qualify.
Information as of 1 October 2026 · Based on the Youth Home Loan 3.0 plan approved by the Executive Yuan on 2026-07-16 · General information, not a loan approval
Youth Home Loan 3.0 accepts applications from 2026/8/1 to 2029/7/31. Key changes: you must be under 50 when applying, your own annual income must be NT$2 million or less, and home prices are capped. Newlyweds and families with children get higher limits. The interest subsidy shrinks each year from year 4.
Timeline
- 2023/8Previous Youth Home Loan launched: up to NT$10 million, 40 years, 5-year grace period
- 2026/7/31Previous Youth Home Loan closed to applications
- 2026/8/1Youth Home Loan 3.0 opens (current)
- 2029/7/31Youth Home Loan 3.0 application deadline
Do I qualify?
Results appear instantly. Nothing you enter is sent anywhere.You appear to qualify for Youth Home Loan 3.0
- ✓Age 35, under 50: up to 40 years
- ✓Your annual income 120 × NT$10k, within the NT$2 million cap
- ✓No home owned by you, your spouse or your minor children
- ✓No previous Youth Home Loan or young farmer home loan taken out on or after 2023/8/1
- ✓Price 1,600 × NT$10k, within the Other cities and counties cap of 2,000 × NT$10k
Estimate: the maximum loan is the lower of the Standard first-time buyer cap (1,000 × NT$10k) and 80% of the price you entered (1,280 × NT$10k); the bank sets the real share from its appraisal. Plan for a down payment of about 600 × NT$10k or more, plus 3–5% for taxes and fees.
This is a preliminary check based on published criteria. Actual amounts depend on the bank’s appraisal, your income and credit, and the bank’s final review.
Eligibility
| Age | Adult and under 50 when applying; age plus loan term may not exceed 80 (e.g. at 45, up to 35 years) |
| No home owned | The applicant, spouse and minor children own no home now (at the time of applying; past purchases do not matter). A parking space, a columbarium niche, shares totalling under 40 m², or a disaster-damaged home given a red tag can count as owning no home |
| No earlier loan | People already approved for a previous Youth Home Loan or a young farmer home loan on or after 2023/8/1 cannot apply again |
| Income | The borrower’s own annual income is NT$2 million or less (individual, not combined with a spouse) |
| Price cap | Taipei NT$35 million; New Taipei and Hsinchu NT$25 million; elsewhere NT$20 million (the higher of the appraisal and the contract price) |
| Use | Owner-occupied only, with a signed self-occupancy declaration; one loan per person |
How much you can borrow
Up to 80% of the price and 40 years (including up to 5 interest-only years). The limit is the lower of the household cap and 80% of the price. A family where the applicant or spouse is pregnant counts as a family with children.
Rates: lowest for the first 3 years, then rising each year
| Year | Annual rate |
|---|---|
| Years 1–3 | 1.775% |
| Year 4 | 1.9% |
| Year 5 | 2.025% |
| Year 6 | 2.15% |
| Year 7 onward | 2.275% |
| Year | Rate | Monthly |
|---|---|---|
| Year 1 | 1.775% | NT$29,112 |
| Year 2 | 1.775% | NT$29,112 |
| Year 3 | 1.775% | NT$29,112 |
| Year 4 | 1.9% | NT$29,716 |
| Year 5 | 2.025% | NT$30,313 |
| Year 6 | 2.15% | NT$30,903 |
| Year 7 | 2.275% | NT$31,484 |
| Year 8 | 2.275% | NT$31,484 |
Rates include the government subsidy and the state-owned bank discount, based on the benchmark rate when the plan was announced. Youth Home Loan 3.0 is a variable-rate loan and moves with the benchmark rate. Monthly payments rise sharply when the grace period ends, so budget for that in advance.
Previous Youth Home Loan vs Youth Home Loan 3.0
| Previous Youth Home Loan (closed) | Youth Home Loan 3.0 (current) | |
|---|---|---|
| Application period | 2023/8 – 2026/7/31 | 2026/8/1 – 2029/7/31 |
| Age | Any adult | Under 50 |
| Income | No cap | Own income up to NT$2 million |
| Home price | No cap | Taipei NT$35M / New Taipei & Hsinchu NT$25M / elsewhere NT$20M |
| Loan limit | NT$10 million | NT$10 million; newlyweds NT$12 million; with minor children NT$15 million |
| Interest subsidy | Fixed during the subsidy period | Best rate for the first 3 years, then the subsidy drops by 0.125 percentage points a year; standard rate from year 7 |
How to apply
Bank of Taiwan, Land Bank of Taiwan, Taiwan Cooperative Bank, First Bank, Hua Nan Bank, Chang Hwa Bank, Mega Bank, Taiwan Business Bank
National ID card, household registration, proof of income (withholding statement), purchase contract, registered seal, bank passbook. The bank will also check whether you own property.
Ask a bank to estimate your loan amount before viewing homes → include terms such as the right to cancel if the loan falls short in the purchase contract → submit the application, appraisal, sign loan documents → loan disbursed.
Owner-occupied only; renting out or reselling for profit is not allowed. The government continues to audit after the loan, and violations require repaying the subsidised interest.
Sources: Executive Yuan Youth Home Loan 3.0 plan (approved 2026-07-16), National Land Management Agency (Ministry of the Interior), Ministry of Finance; compiled with reference to Commercial Times, Sinyi Realty and 591 News. General information only; terms and rates are subject to the participating banks’ announcements. Ministry of Finance press release