Home Loans

Index Type Housing Loan

DBS Bank (Taiwan) provides you with a series of housing loan products to meet your various needs and your peace of mind.

Applicant criteria:

ROC citizens over 20 years of age with good credit, or Alien Resident Certificate holding foreigners

Loan interest rate:

Fixed Deposit Floating Index Rate + Spread

Loan tenor:

Maximum 40 years

Repayment method:

Monthly repayment by annuity method

Interest rate determination method:

Nominal rate = Fixed Deposit Floating Index Rate + Spread (fixed deposit floating index rate index adjusted monthly or quarterly)

(Factors determining Spread include but are not limited to applicant credit rating, collateral location, and product offering)

Index definition:

Average value of 1-year fixed deposit interest rates issued by appointed reference banks; reference banks are: Bank of Taiwan, Land Bank, Taiwan Cooperative Bank, First Bank, Huanan Bank, Changhwa Bank and DBS Bank (Taiwan).

Means and frequency of index adjustment:

 

* "Fixed deposit floating index rate I": Adjustment dates are the 21st of every month (if the date falls on a rest day or holiday, the next business day will be the adjustment date), an adjustment is made once a month. Average rates on the 11th-17th days of the month of adjustment are sampled, timings are based on Central Bank daily announcement. Index is calculated to the second decimal place, with the third decimal place rounded up or down.

[Dec. 21th 2018 announcement: " Fixed deposit floating index rate I" is 1.08%]

* "Fixed deposit floating index rate II": Adjustment dates are March 21st, June 21st, September 21st, and December 21st of each year (if the date falls on a rest day or holiday, the next business day will be the adjustment date), at 3 month adjustment intervals. Average rates on the 11th-17th days of the month of adjustment are sampled, timings are based on Central Bank daily announcement. Index is calculated to the second decimal place, with the third decimal place rounded up or down.

[Dec 21th 2018 announcement: " Fixed deposit floating index rate II" is 1.08%]

Sample illustration of total cost in annual percentage rate (APR):

 

Loan amount: TWD 2 million

Loan tenor: 20 years

Loan interest rate: 1.65%~2.5%

Processing fee: TWD 4,500/case ~ TWD 12,000/case

Credit check fee: TWD 1,000/case

Total fee APR: 1.68%~2.57%

How to Apply

  • Visit any of our branches or contact our Personal Relationship Manager.
  • Call our 24-hour personal banking service hotline at 0800-808-889 or 02-6612-9889

Please Note:
(1) The annual percentage rate cited in this advertisement is in line with the reference calculation used by authority. Actual loan conditions would depend on product provided by the bank. Also, the actual APR for each client would also differ depending on the individual loan product and credit conditions.
(2) Total fee APR is not the equivalent of loan interest rate.
(3) Total fee APR calculation base date is December 21, 2018.

(4) DBS Bank (Taiwan) reserves the right to approve client’s application, as well as the right to review applicant credit history and market conditions, in order to determine individual interest rate, loan amount, and loan tenor.
(5) The information above is a partial extract from loan conditions, for details please contact DBS Bank (Taiwan) service staffs.

For detailed inquiry, please contact DBS Bank (Taiwan) branches or our Customer Service Centre hotline 0800-808889 or 02-66129889

Thank you. Your feedback will help us serve you better.

Was this information useful ?

Thank you for your feedback
Let us know how this article helped:
We're sorry to hear that.
How can we do better?
Do not input special symbols in feedback