Reported 8 months ago
Taiwan Semiconductor's establishment in central and southern Taiwan, as well as Hsinchu, has driven up housing prices. National banks are focusing on three key criteria for mortgage approvals: 'real-price registration, repayment capability, and location grading.' Banks primarily evaluate the property as collateral, followed by the borrower's repayment ability, and scrutinize real-price registration data for the surrounding areas affected by semiconductor industry growth. Banks are adopting cautious approaches to appraising properties in rapidly appreciating regions and assessing borrowers' financial stability to control loan risks within an acceptable range.
Source: YAHOO