Taiwan Home Loan Interest Subsidy: Apply to the Government First
Two things about this scheme cost people the most, and neither is a number.
First: it subsidises interest, not principal. The government does not hand you a sum of money. It puts a preferential rate on part of your mortgage.
Second: the order is government, then bank. You apply to the government during its annual window, receive an approval notice (核定通知), and only then take that notice to your lender. Walking into a bank branch first gets you sent back to apply — and by then the year's window may have closed.
Applications open once a year — announced in July, filed in August
The Land Management Agency announces each year's submission period around mid-July. That is the announcement, not the window. Every year on record takes applications in August:
| Year | Submission period |
|---|---|
| 111 (2022) | 1 Aug – 31 Aug, 17:00 |
| 112 (2023) | closed 31 Aug, 17:00 |
| 113 (2024) | closed 30 Aug, 17:00 |
| 114 (2025) | closed 30 Sep, 17:00 |
City and county governments accept applications over the same period, and outside it applications are not accepted at all. Once you have filed, most local governments finish reviewing by the end of that year.
So the useful habit is: check the announcement in mid-July, then file in August — do not read "mid-July" as the deadline and stop watching.
As of 31 July 2026 the 115 (2026) round has not been announced. The Ministry of the Interior's Real Estate Information Platform still shows the 114 zone, which closed on 30 September 2025. The current year's announcement always appears at the top of the integrated housing subsidy zone — check there for live status rather than trusting any date on this page.
If you miss the year's window, you wait for the next one. There is no rolling intake.
How much of your loan is covered
The cap is on the portion of your loan that carries the subsidised rate, and it depends on where the property is:
| Where the property is | Subsidised portion, up to |
|---|---|
| Taipei City | NT$2,500,000 |
| New Taipei City | NT$2,300,000 |
| Everywhere else | NT$2,100,000 |
Anything above that cap is charged at your bank's ordinary mortgage rate.
If you have read that the ceiling is NT$8 million or NT$10 million, that was a different scheme. Those are the loan amounts under mortgage programmes such as the Youth Home Purchase Preferential Loan. This subsidy covers the rate on one slice of a loan; it is not itself a mortgage.
The rate
The rate is quoted as a spread over the Chunghwa Post two-year time deposit floating rate, which moves, so no fixed percentage is published here. Your actual rate is whatever your lender approves.
| Class | Rate |
|---|---|
| Class 1 — economically or socially disadvantaged | Postal rate minus 0.533% |
| Class 2 — general applicants | Postal rate plus 0.042% |
An extra 0.25% of subsidy ran on top of both classes through 31 July 2026. After that date it no longer applies unless the Land Management Agency extends it — check the current year's announcement rather than assuming either way.
The subsidy runs for up to 20 years, and can include an interest-only grace period of up to 5 years.
Who qualifies
- You have already bought the home and taken out a loan on it. Most years require the registration or the loan to have been completed within the 2 years before you apply.
- You, your spouse, the lineal relatives registered in your household and their spouses own no other home — or own only the home being subsidised.
- Household annual income and assets are under the standard that city or county publishes for the year.
- The home is for your own occupation.
On nationality: the rules are written around household registration (戶籍), which foreign residents do not hold. The official materials we verified do not say whether an ARC holder can apply, so we will not tell you either way — call 1990 or the housing unit of the city or county where the property is and ask about your own case before you plan around it.
Rules worth knowing before you file
- The three housing subsidies are one choice per year. Purchase-loan interest, repair-loan interest and the rent subsidy — you may apply for only one of them in the same year. If you are renting rather than buying, the rent subsidy is the one to look at.
- Do not rent it out, resell it, or use it for anything but living in it. Doing so stops the subsidy, and the money already paid can be reclaimed.
How to apply
- Around mid-July, watch for the Land Management Agency's announcement of the year's submission period and that year's income and asset standards. Then keep watching — the filing window itself opens in August.
- Inside the window, apply online through the Land Management Agency's housing subsidy site, or in person or by post to the city or county government where the property is.
- Prepare identity and household documents, the building registration transcript or purchase contract, the loan contract, and proof of income and assets.
- Once you have the approval notice, take it to your lender to arrange the preferential rate.
Where to get help
- 1990 — the hotline for foreign residents (24 hours, Chinese/English/Japanese).
- The housing unit of the city or county government where the property is, for that year's standards and window.