New Youth Housing 2.0: Loan Limits for Marriage and Child-Rearing Families May Increase? Chuang Tsui-yun: Direction Worth Considering
Taiwan's Ministry of Finance plans to announce the New Youth Housing 2.0 policy by the end of June. It is considering increasing the loan limit for marriage and child-rearing families to NT$12-15 million.
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- 📰 Published: June 10, 2026 at 12:39
- 🔍 Collected: June 10, 2026 at 12:52 (13 min after Published)
- 🤖 AI Analyzed: June 10, 2026 at 12:53 (1 min after Collected)
(Central News Agency, reporter Lu Yan-ci, Taipei 10th) The Ministry of Finance is expected to announce the New Youth Housing 2.0 policy by the end of June. Legislators are urging an increase in the loan limit for marriage and child-rearing families to NT$12 million or NT$15 million. Minister of Finance Chuang Tsui-yun stated today that since marriage and child-rearing families require larger living spaces, this is a direction worth considering and will be taken into reference.
The Finance Committee of the Legislative Yuan today reviewed the budget proposals of the Central Bank, the Export-Import Bank of the Republic of China (supervised by the Ministry of Finance), and Taiwan Financial Holding Co., Ltd., and held a question-and-answer session.
During the Q&A, KMT Legislators Lin Te-fu and Lai Shyh-bao, as well as DPP Legislators Kuo Kuo-wen and Li Kun-cheng, all focused on issues related to the Youth Home Purchase Preferential Loan policy.
Minister Chuang explained that the Youth Housing Loan has been implemented since 2010, and the New Youth Housing Loan has been in effect from 2023 until July of this year. The primary goal remains to assist citizens without their own homes in purchasing a residence for self-use.
Minister Chuang stated that after the current New Youth Housing Loan expires on July 31, the Ministry of Finance is gathering opinions from all sectors on how to proceed. It has also invited relevant ministries and agencies for discussions, considering factors such as public needs, financial markets, and the real estate market. The goal is to propose a plan by the end of June and explain it to the public.
Legislator Li Kun-cheng mentioned his hope that the New Youth Housing 2.0 policy would consider the needs of families with children and newlyweds, for example, by raising the loan limit to NT$12 million or NT$15 million. Minister Chuang responded that discussions with relevant ministries are ongoing. The President and the Executive Yuan have already announced policies to support marriage and child-rearing families in May, and the New Youth Housing policy will incorporate related content during discussions.
Regarding the increase in loan limits, Minister Chuang said this is perhaps a direction worth considering, as marriage and child-rearing families may need larger living spaces. Once a final result is reached, a complete plan will be reported to the public, and the legislators' suggestions will be taken into reference.
Legislator Kuo Kuo-wen cited media reports suggesting that the grace period for New Youth Housing 2.0 would remain at 5 years, but state-owned banks have proposed shortening it to 3 years. Minister Chuang explained that although the New Youth Housing Loan offers a 5-year grace period, only 23% of borrowers actually use the full 5 years. Ling Chung-yuan, Chairman of Taiwan Financial Holding Co., stated that the Ministry of Finance has invited state-owned banks for discussions, and they will naturally make reasonable suggestions based on practical conditions.
Chen Po-cheng, Director-General of the National Treasury Administration, added in an interview that banks adhere to the 5P credit principles (considering the borrower, purpose of funds, source of repayment, collateral protection, and credit outlook) during review and adjust based on the borrower's conditions. According to statistics, about 50% of New Youth Housing Loan applicants use the grace period, meaning about half do not.
Furthermore, Legislator Lai Shyh-bao inquired about the delinquency rate of the New Youth Housing Loan. Minister Chuang explained that the delinquency rate for the New Youth Housing Loan is much lower than the national average for residential loans. The latter is about 0.08%, while the former is only 0.01%. She noted that while some individual factors exist, the Ministry of Finance is closely monitoring the situation.
Legislator Lai pressed further, asking if there were observations of New Youth Housing Loan borrowers using second mortgages to invest the borrowed funds in the stock market. Minister Chuang pointed out that one must purchase a home to apply for the New Youth Housing Loan. Regarding second mortgages, current regulations do not restrict the use of funds, as the property belongs to the homeowner, but banks will review the borrower's credit conditions.
Legislator Lai issued a warning, stating that currently, 417,000 households across Taiwan have taken out additional loans against their homes to invest in the stock market, an impact that is not insignificant. (Editor: Lin Shu-yuan) 1150610
The Finance Committee of the Legislative Yuan today reviewed the budget proposals of the Central Bank, the Export-Import Bank of the Republic of China (supervised by the Ministry of Finance), and Taiwan Financial Holding Co., Ltd., and held a question-and-answer session.
During the Q&A, KMT Legislators Lin Te-fu and Lai Shyh-bao, as well as DPP Legislators Kuo Kuo-wen and Li Kun-cheng, all focused on issues related to the Youth Home Purchase Preferential Loan policy.
Minister Chuang explained that the Youth Housing Loan has been implemented since 2010, and the New Youth Housing Loan has been in effect from 2023 until July of this year. The primary goal remains to assist citizens without their own homes in purchasing a residence for self-use.
Minister Chuang stated that after the current New Youth Housing Loan expires on July 31, the Ministry of Finance is gathering opinions from all sectors on how to proceed. It has also invited relevant ministries and agencies for discussions, considering factors such as public needs, financial markets, and the real estate market. The goal is to propose a plan by the end of June and explain it to the public.
Legislator Li Kun-cheng mentioned his hope that the New Youth Housing 2.0 policy would consider the needs of families with children and newlyweds, for example, by raising the loan limit to NT$12 million or NT$15 million. Minister Chuang responded that discussions with relevant ministries are ongoing. The President and the Executive Yuan have already announced policies to support marriage and child-rearing families in May, and the New Youth Housing policy will incorporate related content during discussions.
Regarding the increase in loan limits, Minister Chuang said this is perhaps a direction worth considering, as marriage and child-rearing families may need larger living spaces. Once a final result is reached, a complete plan will be reported to the public, and the legislators' suggestions will be taken into reference.
Legislator Kuo Kuo-wen cited media reports suggesting that the grace period for New Youth Housing 2.0 would remain at 5 years, but state-owned banks have proposed shortening it to 3 years. Minister Chuang explained that although the New Youth Housing Loan offers a 5-year grace period, only 23% of borrowers actually use the full 5 years. Ling Chung-yuan, Chairman of Taiwan Financial Holding Co., stated that the Ministry of Finance has invited state-owned banks for discussions, and they will naturally make reasonable suggestions based on practical conditions.
Chen Po-cheng, Director-General of the National Treasury Administration, added in an interview that banks adhere to the 5P credit principles (considering the borrower, purpose of funds, source of repayment, collateral protection, and credit outlook) during review and adjust based on the borrower's conditions. According to statistics, about 50% of New Youth Housing Loan applicants use the grace period, meaning about half do not.
Furthermore, Legislator Lai Shyh-bao inquired about the delinquency rate of the New Youth Housing Loan. Minister Chuang explained that the delinquency rate for the New Youth Housing Loan is much lower than the national average for residential loans. The latter is about 0.08%, while the former is only 0.01%. She noted that while some individual factors exist, the Ministry of Finance is closely monitoring the situation.
Legislator Lai pressed further, asking if there were observations of New Youth Housing Loan borrowers using second mortgages to invest the borrowed funds in the stock market. Minister Chuang pointed out that one must purchase a home to apply for the New Youth Housing Loan. Regarding second mortgages, current regulations do not restrict the use of funds, as the property belongs to the homeowner, but banks will review the borrower's credit conditions.
Legislator Lai issued a warning, stating that currently, 417,000 households across Taiwan have taken out additional loans against their homes to invest in the stock market, an impact that is not insignificant. (Editor: Lin Shu-yuan) 1150610
FAQ
Who is eligible for New Youth Housing 2.0?
The primary targets are young people and marriage/child-rearing families without their own homes.
When will New Youth Housing 2.0 be announced?
The Ministry of Finance plans to announce the details by the end of June 2026.
Why is the delinquency rate for New Youth Housing so low?
Strict credit checks (5P principles) and government support keep the delinquency rate at a very low 0.01%.