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Seven calculators, in NT$, using the same formulas as our Chinese tools. Change any field and the results update. Figures are estimates for planning; your bank and land administration agent confirm the real ones.
Monthly payment
Annuity (fixed payment) or straight-line (falling payment), with an optional interest-only grace period.
Default rate 2.5% is an example, not a quote. Foreign buyers with a residence permit and Taiwan income typically borrow 50–70% of the price over 15–20 years; see the buying guide. The Chinese page adds the citizen-only 新青安 subsidised loan, which is not open to foreign nationals.
Cash you need on top of the price
Down payment plus taxes, fees and a renovation reserve, for a resale apartment.
Assumptions, same as our Chinese calculator: deed tax on an assessed value of about 10% of price at 6%; stamp duty and registration about 0.1% of price; land administration agent about NT$25,000; escrow 0.06% of price shared half each. Real tax bills use the government-assessed values of the specific property.
Tax and area calculators
Housing and land income tax, land value increment tax, net proceeds on a sale, landlord tax and common-area ratio. Figures are estimates for planning; your land administration agent and the tax office confirm the real ones.
Housing and land income tax
The 2.0 regime (房地合一稅) for property acquired on or after 1 January 2016. Pick how you acquired it.
Estimate only; the National Taxation Bureau decides. Holding period is counted between the two dates; rates 45/35/20/15% (10% owner-occupier). With no expense receipts the tax office allows 3% of the sale price, capped at NT$300,000. For foreign nationals: the owner-occupier box needs household registration (戶籍), which most foreign owners do not have, so leave it unticked. The table is for Taiwan tax residents; a non-resident (in Taiwan under 183 days in the tax year) pays 45% on a hold of 2 years or less and 35% beyond. More in Housing and land income tax.
Land value increment tax
Charged on the rise in the government-assessed land value (土地增值稅), whether or not you made a profit. The seller pays.
Deductible amounts (NT$, 0 if none)
Estimate only; the local tax office decides the declared value, the index and which deductions count. The index is the DGBAS consumer price index linked table (2021 = 100), to July 2026. Agent fees, land agent fees, demolition and loan interest are not deductible here. For foreign nationals: the 10% owner-occupied rate needs household registration at the property, which most foreign owners do not have; plan on the general rates. More in Selling taxes and net proceeds.
Seller’s net proceeds
What reaches your account after housing and land income tax, land value increment tax, the agency fee and land agent costs.
Estimate. Holding period runs from the month acquired to today. Deductible expenses cover agency and land agent fees and receipted renovation (no receipts: 3% of price, capped at NT$300,000). Get the land value increment tax from the Land Office or your land agent; income tax here does not deduct the land increment amount, so the real figure may be lower. For foreign nationals: the owner-occupier rate needs household registration, and the rates are for Taiwan tax residents (non-residents: 45% within 2 years, 35% after). More in Selling taxes and net proceeds.
Landlord tax by letting status
A year of tax for an ordinary letting, a public-interest landlord (公益出租人) and social housing sublet-and-manage (社宅包租代管).
Simplified model: house and land tax use common rates and rental income is not combined with your other income. The tax office decides. For foreign nationals: the owner-occupier house and land tax rates these two statuses mirror normally need household registration (戶籍), and the rent subsidy that triggers public-interest status is a domestic programme; plan on the general rates. More in Landlord tax comparison.
Common-area ratio
The share of your registered area in shared space (公設比), your indoor area, and the price per indoor ping.
Rounded to 2 decimals. 1 ping = 3.3058 m²; to turn m² into ping, multiply by 0.3025. The title deed and building register decide the real areas; the reverse mode’s indoor figure includes balconies and other ancillary space. More in Common-area ratio.
Keep reading.
More guides and tools on this site that go with this page.
- Buying a Home in Taiwan: Step by Step from Offer to KeysOffer to keys takes about 6 to 8 weeks. Money moves four times through escrow, and with an 80% loan you need roughly 28 to 33% of the price in cash.→
- Buying and Selling Costs in Taiwan: Who Pays What and WhenBuyer fees add up to roughly 3% of the price on top of the down payment; sellers pay land value increment tax and tax on the gain. Full tables and timeline.→
- Escrow in Taiwan Property Deals: How It Works and the 0.06% FeeEscrow costs about 0.06% of the price, split half and half: NT$4,500 each on a NT$15,000,000 home. Money stays in a third-party account until title transfers.→
- Mortgage and cost calculators→
- Consolidated Housing and Land Income Tax 2.0: Rates and ExemptionTaiwan taxes property gains at 45%, 35%, 20% or 15% by holding period, or 10% above a NT$4,000,000 exemption for qualifying owner-occupiers. How it works.→
- Resale, Pre-Sale or New Build: Which Type of Home Suits YouResale and new-build homes hand over in 1 to 3 months; pre-sale takes 2 to 4 years. Pre-sale escrow rules were strengthened in May 2026 after stalled projects.→
- Home sale and purchase contract (government template)The Ministry of the Interior template for buying a completed home: price, payment stages, loans, transfer, taxes, handover and breach.→
Want a bank to confirm the number?
Send us the price range and your residence status. We get a pre-assessment from two or three banks before you make an offer. The bank only gives its final decision after the contract is signed, so the contract should include a financing clause. Banks that commonly lend to foreign buyers include DBS, HSBC and Fubon, and a Taiwanese guarantor greatly helps approval.