Mortgage Tools
Three tools to fully understand your mortgage: monthly payments, prepayment benefits, and how much home you can afford.
Monthly Payment Calculator
Enter loan amount, rate, and term. Get monthly payment, total interest, and a full amortization schedule.
Prepayment Calculator
See how much interest you save and how many years earlier you pay off with a lump-sum or extra monthly payment.
Affordability Calculator
Based on income and expenses, calculate your maximum loan and home purchase budget.
3 Things to Know Before Taking a Mortgage
Fixed Payment vs. Fixed Principal
Fixed payment keeps the same monthly amount (more interest upfront). Fixed principal reduces payment each month with lower total interest.
The Cost of a Grace Period
Interest-only during grace period feels easier, but principal doesn't decrease — your post-grace payments jump up and total interest increases.
Every 0.1% in Rate Matters
On a NT$10M 30-year loan, a 0.1% rate difference changes monthly payment by ~NT$500 and total interest by ~NT$180,000.