2019/12/16  
Banks roll out financing to boost home ownership (2019/12/02)
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  • 英文 English 
    Banks roll out financing to boost home ownership (2019/12/02)

    Housing prices have gone down over the past two years, and interest in buying a home is going up. Recently, many Taiwanese banks have unveiled preferential financing plans that make it easier to buy a home. One plan, designed for young adults, starts off with small payments that increase as the borrower climbs the pay scale.

    To support homebuyers, state-invested banks have launched special financing programs. For example, Lank Bank’s plan starts off with the borrower paying only interest or a small part of the principal. It’s a graduated mortgage payment plan for first-time buyers.

    Ho Ying-ming
    Land Bank vice president
    When I first enter society, my income is not so high. Ten years later, I might be a mid-level or high-level executive. I might be earning more than NT$100,000 a month. So for me, it might be worth considering a graduated plan, a progressive payment.

    Member of the public
    It sounds pretty good. After all, as you get older, your salary increases, so the payments are not as painful.

    The details vary from bank to bank. In addition to Land Bank’s plan for young homeowners, there is a homeowners’ program launched by First Bank and a real estate website. Taiwan Bank is offering a mortgage loan program for civil servants and teachers.

    Member of the public
    Those who want a home are likely to buy one early. Those who can’t afford a home can’t be convinced to buy one.

    Amid falling real-estate prices, state-invested banks are rolling out payment schemes designed to help young adults buy their first home.

    中文 Chinese  
    搶房貸公股銀拚了! "前低後高"房貸降購屋壓力

    這兩年房價下修有感,讓年輕人買房意願明顯升溫,為了減輕青年房貸壓力,不少公股銀行也祭出優惠專案,像是土地銀行推"前低後高"方案,壓低初期還款金額,隨著年輕人薪水增加,再慢慢拉高還款額度,還有一銀跟購屋網合作,針對網路買家提供優惠貸款,就是要降低青年的買房壓力。

    要讓青年晉升有殼一族,公股銀行推出新房貸專案,像是土銀推出"前低後高"方案,初期只要先還利息或是少少的本金,屬於階梯式循序漸進的房貸還款方案。

    [[土銀副總經理 何英明]]
    “我在初期踏入社會時,所得不是很高,十年以後我可能當一個中階或高階主管,我可能是十幾萬了,可以考慮看看是不是看叫我們分出前低後高,階段性的(還款)。”

    [[民眾]]
    “聽起來倒是不錯,畢竟隨著年紀增長,薪水自然而然越來越多,然後還起來比較不會那麼吃力。”

    各家銀行業者方案都不同,除了土銀鎖定年輕族群,一銀與房屋交易網合作,瞄準自住客,台灣銀行則是祭出公教人員房貸專案。

    [[民眾]]
    “本來就想要買房的,他可能會提早買,如果本來因為價錢太高,不想買房的還是不會買。”

    看準房價下修的好時機,公股銀優惠房貸助攻下,讓年輕人朝有殼族邁進。
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