Mortgage calculator
Change the loan amount, term and household income to see the monthly payment, the extra cost of a rate rise, and how much of your income the payment takes.
How much can you afford? What is the monthly payment?
Enter the loan amount, term and rate to calculate the equal monthly payment.
The default rate is 2.321%, the average new mortgage rate of the five major banks for August, published by the Central Bank on 2026/9/22. All results use equal monthly payments; the bank's approval sets the actual terms.
How much down payment do you need?
Borrowing 1,500 (10k NTD) at 80% loan-to-value suggests a price of about 1,875 (10k NTD) and a down payment of about 375 (10k NTD). Set aside another 3–5% for taxes, agent and scrivener fees.
The actual loan-to-value depends on the bank, your income and the home; first-home and youth loans may differ.
What is the monthly payment, and how much more after a 0.125-point rise? Rates are illustrative
At 2.000%: NT$45,424/month → at 2.125%: NT$46,417/month, NT$993 more per month