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Green Mortgage

"Green buildings"exist in harmony with nature, save energy and reduce waste. Let's make our world a greener place!

What are green buildings?

A"green building" consumes the least amount of Earth's resources and generates the least amount of waste during the building life cycle, and is aligned with the concept of "ecology, energy saving, waste reduction, and health."
A building must meet the requirements of four indicators, including two mandatory indicators, which are "daily energy saving"and "water resource", and two others, in order to acquire the "Green Building Labeling."

Ecology

Biodiversity indicator
Greenery indicator
Soil water retention indicator
Energy Saving

Daily energy saving indicator
Waste Reduction

CO2 reduction indicator
Construction waste reduction indicator
Health

Indoor environment indicator
Water resource indicator
Sewage and garbage improvement indicator

Levels of certification

Levels of certification from the lowest to the highest level are as follows: Qualified, Bronze, Silver, Gold, and Diamond.

Please check if your home is on the list or not!
If your home meets the requirements for the"Green Building Labeling"recognized by Taiwan Architecture and Building Center, you could enjoy a discount on service fees when you apply. If the Green Building Labeling is Bronze or above, the interest rate would start as low as 1.75%!

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Green mortgage

Choose a green building when purchasing your home.

Eligibility

The collateral qualifies for Green Building Labeling recognized by Taiwan Architecture and Building Center.

Description

Loan amount:
Ranging from 70% to 80% of the appraised value of your property in principle.
Interest rate:
One-step interest rate starts at 1.89% to 3.14%.
Loan period:
20 years.
Fees:
As low as NT$3,000.

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Tips for saving energy

It is appropriate to set the air conditioners at 26°C to 28°C; raise A/C setting by 1° can save 6% power.
Use fans with A/C to boost the cooling effect.
Avoid turning A/C on and off periodically as it would waste energy.

Clean the air filters every two weeks

Dirty filters make air conditioners work harder and consume more energy; thus, it is recommended to clean air filters every two weeks to increase cooling efficiency.

Use LED lights with the energy label

Using LED light bulbs with the energy label would reduce energy consumption by 50% and above, compared with conventional lights.
The use of light colors on the ceilings and walls could reflects light better, reducing the lighting requirements.

Disclosures

The offers are exclusive and not valid in conjunction with any other discount offers. If you're not eligible, the mortgage offer would be issued with typical loan terms.
Annual percentage rate:
- Mortgage annual percentage rate start at approximately 2.14% to 2.81%; loan amount: NT$2,000,000; loan period: 20 years; loan interest rate: Start from 2.1% to 2.77% p.a.; Total fees: NT$8,000.
- 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 annual percentage rate base date is according to the date that the Bank's adjustable rate for consumer loans. It was adjusted after this program became applicable. Please see the description of adjustable rates for consumer loans on the Bank's official website (The current base date is May 22, 2023).
- The Bank reserves the rights to verify information, to change offer details, and to approve or decline loans.
- Real estate mortgage loans shall be handled in accordance with the Regulations Governing Real Estate Mortgage Loan by Financial Institutions.
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.
Only the certain customers would be eligible for the online mortgage offer. The Bank reserves the right to approve or reject any application.

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