Who Can Apply for Qingan 3.0 Loan? 5 Key Eligibility Criteria Explained – Qualifying Families Can Borrow Up to NT$15 Million

The Youth Housing Loan Program (Qingan Loan) is undergoing a major update. Since its launch in August 2023 (112), Qingan 2.0 has helped approximately 170,000 households without homes purchase property. With the 2.0 scheme ending on July 31, 2026 (115), the Ministry of Finance is introducing Qingan Loan 3.0, effective August 1, 2026. The application period will run until July 31, 2029 (118).

The biggest change in Qingan 3.0 is the introduction of three new eligibility criteria: age, annual income, and total property price. Additionally, higher loan limits are offered for married and parenting families, and the interest subsidy will now phase down gradually, allowing borrowers to plan their finances in advance.

What is Qingan 3.0? 5 New Conditions Explained

According to the Executive Yuan, unlike Qingan 2.0, which had almost no age or income restrictions, the 3.0 version introduces five new conditions related to age, income, property price, loan amounts for families, and the interest subsidy mechanism.

Age and Loan Term Limits

Under Qingan 3.0, borrowers must be under 50 years old at the time of application, and the sum of “application age + loan term” must not exceed 80. For example, a 45-year-old applicant can have a maximum loan term of 35 years, no longer qualifying for the full 40-year maximum term.

Annual Income Cap

The borrower’s annual income must not exceed NT$2 million. The Ministry of Finance states this restriction ensures the program supports those who genuinely need housing assistance and prevents high-income individuals from using government-subsidized resources.

Property Price Limits by Region

Maximum property prices vary by location: NT$35 million in Taipei City, NT$25 million in New Taipei City and Hsinchu County/City, and NT$20 million in other counties and cities. Applicants purchasing properties above these prices are ineligible for Qingan 3.0.

Increased Loan Limits for Married and Parenting Families

The standard maximum loan amount under Qingan 3.0 remains NT$10 million. However, newlywed families (within two years of marriage) can borrow up to NT$12 million, and families with minor children can apply for up to NT$15 million, enhancing financial support for family households.

Interest Subsidy with '3+3' Phased Reduction

All Qingan loan recipients receive interest subsidies for the first three years, with the current preferential interest rate at 1.775% (including a 0.5-point reduction by banks and a 1.5-point government subsidy). Starting the day after the three-year period ends, the subsidy decreases by 0.5 points annually. After six years, the subsidy ends, and the loan reverts to the original interest rate, allowing borrowers to anticipate financial planning without sudden rate shocks.

Comparison: Qingan 2.0 vs. Qingan 3.0

| Item | Qingan 2.0 | Qingan 3.0 | |---|---|---| | Application Period | Aug 1, 2023 – Jul 31, 2026 | Aug 1, 2026 – Jul 31, 2029 | | Eligibility | Households without property | Same as 2.0 | | Maximum Loan Amount | NT$10 million | General: NT$10M; Newlywed (≤2 yrs): NT$12M; Parenting: NT$15M | | Maximum Loan-to-Value | 80% | Same as 2.0 | | Maximum Loan Term | 40 years (up to 5-year grace period) | Same as 2.0 | | Age Limit | No restriction (must be adult) | Under 50 at application; (age + term) ≤ 80 | | Income Limit | None | ≤ NT$2 million | | Property Price Limit | None | Taipei: NT$35M; New Taipei & Hsinchu: NT$25M; Others: NT$20M | | Interest Subsidy | First 3 years; same as 3.0 after | First 3 years; decreases 0.5 pt/year; ends at year 6 |

Source: Executive Yuan

What Happens to Qingan 2.0 Applicants? Reapplication Possible Under Certain Conditions

The Ministry of Finance states that applications submitted to public banks before July 31, 2026, will be processed under Qingan 2.0, while applications from August 1, 2026, onward will follow Qingan 3.0.

However, to support married and parenting families, borrowers who applied for Qingan 2.0 before July 31 can, before disbursement, submit documents such as a household registration transcript or the National Health Administration’s Maternal Health Handbook (commonly known as the “Mommy Handbook”) to their lending bank. They may then withdraw their original application and reapply under Qingan 3.0’s enhanced scheme for families. The Ministry emphasizes that once reapplication is chosen, it cannot be changed, so borrowers should evaluate carefully.

Check Before Applying: 3 Types of Applicants Who May Not Qualify for Qingan 3.0

The following three types of homebuyers should carefully verify their eligibility:

- Applicants aged 50 or older, or whose “application age + loan term” exceeds 80 - Applicants with annual income exceeding NT$2 million - Applicants purchasing properties exceeding regional price caps (over NT$35M in Taipei, over NT$25M in New Taipei or Hsinchu, over NT$20M in other counties/cities)

If any of the above conditions are not met, applicants cannot qualify for Qingan 3.0. It is recommended to confirm eligibility with a public bank in advance.

How Much Interest Can You Save with Qingan 3.0? Ministry of Finance Estimates

The Ministry of Finance estimates that under the interest subsidy mechanism, borrowers can save the following amounts in interest over six years:

- General borrowers (up to NT$10M): approximately NT$225,000 saved - Newlywed families (up to NT$12M): approximately NT$270,000 saved - Parenting families (up to NT$15M): approximately NT$337,500 saved

The Ministry notes that the Qingan 3.0 application period runs from August 1, 2026, to July 31, 2029, and encourages interested individuals to consult public banks for details.