In the third quarter of last year, the average mortgage repayment period for all six special metropolitans and Hsinchu County surpassed 25 years, the data showed. Additionally, the average mortgage repayment period in these regions has remained above 25 years for nine consecutive quarters. Huang said mortgage rates have reached their highest levels in that period for three main reasons. Even with ultra-low-rate programs for young homebuyers offsetting some pressure, inflation risks linked to conflict in the Middle East have kept mortgage rates on an upward trend, he said. This is largely because the mortgage market currently favors lenders, with demand for 2.5 percent first-time buyer loans exceeding supply, pushing the latest average mortgage rate up to 2.67 percent — a relatively high level compared with the past.

Source: Taipei Times April 12, 2026 17:15 UTC