Introduction
Product features
Value your credit record and enjoy preferential interest rates
E.SUN Bank not only provide preferential interest rate, also assist you to build the right and attitude towards interest payment, and protects your personal credit.
E.SUN Bank offers the "credit coupon mortgage", as long as the borrower makes payments on time during the loan period, and payments are successfully debited by the system, the borrower will enjoy lower interest rates starting from the third year.
FAQ
If you apply for "credit coupon mortgage" and "made payments normally" in the first 2 years, you will enjoy a discount on the fixed interest rate portion in year 3; if you made payments normally in the previous year, you will continue to enjoy the discount on interest rate in year 4 and after.
※ "Made payments normally" is defined as the borrower transferring funds into the designated account 1 day before the loan payment date, and the amount payable is successfully debited from the account in the morning of the designated payment date.
At present, most mortgages offered by the Bank have a fixed or relatively low interest rate in the first one or two years, and the interest rate returns to the normal rate starting in year 2 or 3. Credit coupon mortgage is a mortgage product with decreasing interest rates, and customers will enjoy a decreasing interest rate over the loan period if they may payments on time.
Preferential interest rate
- If the borrower makes normal payments in the first 2 years (24 months), then the interest rate will be lowered by 0.24% (0.01% × 24 months) in year 3
- If the borrower makes normal payments in the previous year (12 months), then the interest rate will be lowered by 0.12% (0.01% × 12 months) in year 4
※ Interest may not be lowered to lower than the Bank's adjustable rate for consumer loans
Applicability
- Customers who have reached the age of 18 and have a normal credit history
- May be used for adjustable-rate mortgages, but not applicable to home equity line of credit, flexible repayment mortgage, and policy loans
Disclosures
- The bank has not engaged any agencies for the sale of loan products. Please be wary if anyone claims to be so.
- The use of illegal or unauthorized links to this website for Internet marketing is prohibited.
- The Bank reserves the right to approve or reject loan applications, and the right to determine the final loan amount, interest rate, and lending terms. Please see our latest announcement.
- Real estate mortgage loans shall be handled in accordance with the Regulations Governing Real Estate Mortgage Loan by Financial Institutions.
- The Bank has formed a strategic alliance with Sinyi Realty Inc. and other well-known realtors for its mortgage business.
Loan amount: NT$2,000,000. Loan period: 20 years. Loan interest rate: From 1.95% p.a.for the first 2 years and starting in year 3: Starting at 3.15%~3.82% p.a.. Total fees: NT$6,000. Annual percentage rate : Starting at 3.18%~3.85%.
- The annual percentage rate disclosed herein have been calculated using standard calculation templates provided by the competent authority. The actual terms of loan may differ based on each product, and the annual percentage rate may also differ among customers depending on the loan products and credit terms and conditions granted.
- Annual percentage rate is not the same as loan interest rate.
- The base date for calculating the annual percentage rate is the date that the Bank's adjustable rate for consumer loans was adjusted after the date this program became applicable. Please see the description of adjustable rates for consumer loans on the Bank's official website. (The current base date for calculation is May 22, 2023)
