Profile
Ratio on Loan Burden (%)
Production
Dept of Land Administration, M.O.I
Cover Space
Taiwan (excluding Kinmen and Lianjiang County), municipalities, counties (cities)
Update Frequency
Every season
Compilation Method
Median house price loan monthly amortization / median household disposable income
Introduction
Before the second season of the year 2012(inclusive), the total value of the collateral construction and valuation of the Joint Credit Information Centre was used. From the third season of the year 2012, the actual information of declaration and registration of real estate transaction cases were used from the Ministry of Finance, The Central Bank of the Republic of China (Taiwan) announced the interest rate of the Taiwan’s Top Five Bank’ newly-acquired home purchase loans. The monthly amortization of the median house price loan is calculated based on the 70% of the loan ratio and the equal amortization of principal and interest for 20 years, and then divided by the monthly amortization of the median house price loan It is calculated as the result of median monthly disposable income of households. The larger the value, the lower the housing affordability.