Conventional Mortgage

Overview

By splitting your monthly instalment into two and paying once every two weeks, your mortgage principal could be paid off earlier, helping you save more on interest and achieve your dreams of home ownership faster.

Features & benefits

Attractive interest rates
Greater flexibility
Split your monthly instalment into two

Apply for a Conventional mortgage

To be eligible for an HSBC Conventional mortgage, you need to:

Have a property (the property should be owned by either you, or your blood relatives within the second degree, or your spouse, or your spouse’s blood relatives within the first degree)
Normal credit record
The property is located at the area accepted by HSBC (Taiwan)

Apply by phone

Call us on (02) 6616-6000 to apply for a personal loan or leave your contact details and we will be in touch.

Apply in branch

Find your nearest branch to apply in person.

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Frequently asked questions

You can visit our branches or contact our mortgage service hotline at (02) 6616-6000. Our mortgage specialists will be glad to assist you.

To be eligible for an HSBC Conventional mortgage, you need to:

Have a property (the property should be owned by either you, or your blood relatives within the second degree, or your spouse, or your spouse’s blood relatives within the first degree)
Normal credit record
The property is located at the area accepted by HSBC (Taiwan)

To assist with your application, you will need:

Required documents

Identification:
i. R.O.C. citizen: Citizen ID
ii. Foreigner: Passport, Alien Residence Certificate (ARC) and Work Permit
Both Land and Construction Ownership Certificates
Income document

Supplemetary documents

Income proof or asset proof ( eg: Withholding Tax Receipt, bank saving or checking account statement with salary entries)
Bank account statement/passbook
Property sales contract
Financial Liabilities documents (Credit Card Repayment, Loan Repayment, Non-mortgage notional principal amount of revolving or interest only facilities)

Minimum loan size: TWD 2m.

Properties registered as commercial or industrial use are not acceptable.

Submit the mortgage application: Once you contact us, our mortgage specialist will introduce our products and features in detail, help you understand the required documents and assist you on picking the loan package which best fits your needs
Property Appraisal: Property value appraisals are required for all applications and are completed based on the size, location, age and other characteristics of the property
Credit Assessment and Approval: All the documents and information you've provided will be verified and assessed according to the borrower background, credit record, and property value for a decision on application approval
Signing the Mortgage Loan Contract: Once your mortgage application is approved, our mortgage specialist will contact you for the mortgage loan contract signing. Additionally, our branch Relationship Manager will assist you to open an account for mortgage drawn down and subsequent repayments.
Property right setting: Before drawdown, the first property rights to the property under application should be registered to HSBC (Taiwan) on the registry book in Government Land Offices
Draw down: Once you have completed the above-mentioned registration process, we will draw down your loan. The loan contract will be effective from the draw down date. You (the borrower) need to make repayments to the designated savings account and the bank will debit loan installments from this account.

HSBC mortgage interest rate is composed of floating index rate plus spread; borrowers should note that monthly installment amounts may rise or fall with the movement of the index rate.
HSBC Mortgage fees and charges: NTD7,000~NTD10,000; Annual Percentage Rate “APR”: 2.64%~3.54%.APR Example: For a mortgage with loan amount NTD2,000,000, loan tenor of 20 years (monthly payment), mortgage account set up fee of NTD 7,000~NTD10,000, interest rate is 2.60%~3.48%( this APR includes applicable interest rate for conventional loan and smart mortgage with index rate plus 0.86%~1.74%, the quarterly index rate as of 16 Sep 2024 is 1.74%).The APR is calculated according to the method set out in the relevant guidelines referred to the Authority. HSBC's decision in all matters relating to the Mortgage Loan shall be at our absolute discretion and shall be final and binding on you. The precise APR binding on each customer shall be based on respective product and credit risk conditions. The APR does not equal to interest rate and is calculated on the basis of 16 Sep 2024.
The quarterly index rate of Term Deposit Adjustable Rate Mortgage is adjusted once every three months and on the 15th of March, June, September and December. If the date of rate adjustment is a non-business day, rate from the next working day will be applied.
A borrower can choose to make his or her repayment by monthly or bi-weekly (fortnightly). For repayment bi-weekly, the monthly installment is split into two and payment is made once every two weeks. It helps you to save more on interests since your mortgage principal could be paid off earlier than those choose to make payment monthly.
If any mortgage loan application meets government’s credit control measure, the loan amount, interest rate, and relevant terms should be subjected to special program.
Terms & Conditions for all mortgage products should be subject to contracts and relevant documents. HSBC reserves the right to make final decision on the loan amount, interest rate, grace period, and whether to approve or reject the application.
When Mortgage Loan has a lock-in period of 3 years and the mortgage contract is terminated within the lock-in period, there will be a 2%~1% penalty fee.
The Bank and the Members of the HSBC Group are required to act in accordance with the laws, regulations and requests of public and regulatory authorities operating in various jurisdictions which relate to, amongst other things, the prevention of money laundering, terrorist financing and the provision of financial and other services to any persons or entities which may be subject to sanctions. Such action may include but is not limited to: the interception and investigation of any payment messages and other information or communications sent to or by the Customer or on the Customer's behalf via the systems of the Bank or any Member of the HSBC Group; making further enquiries as to whether a name which might refer to a sanctioned person or entity actually refers to that person or entity; and ceasing or terminating, withdrawal or refusing to process transaction, accept instructions or requests or to provide service, and reversing account entries without the consent of the Customer.
Other than those regulated by the law or agreed by the parties, HSBC Mortgage reverses the right to amend, postpone, cancel or terminate the Mortgage Loan program and relevant terms and conditions.
HSBC do not cooperate or commission any consulting agencies to provide mortgage loan on our behalf. If any questions, please contact us.
An English version of this agreement is available to facilitate reference by foreign language users. Please note that the Chinese version of this agreement shall prevail, should there be any discrepancy between the Chinese version and the English version.
If any dispute concerning your financial product, please contact 1998.

Conventional mortgage

Overview

Features & benefits

Apply for a Conventional mortgage

Are you eligible?

Apply by phone

Apply in branch

Frequently asked questions

How do I apply for a mortgage loan?

What are the requirements to apply for a mortgage loan?

What documents I need to provide to complete the application?

Are there any limitations to apply for a mortgage?

What is the end to end application process?

How long does it take for the end to end application process?

Important information

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