Taiwan Reverse Mortgage Approvals Top NT$62.8 Billion in Q1 as Central Region Leads Growth

Reverse mortgages allow older homeowners to pledge their homes as collateral for bank loans and receive regular funds for living expenses, typically while continuing to live in the property. As Taiwan’s population ages and retirees’ need for cash flow increases, these loans have become an important source of supplementary retirement income. Regional trends also reflect differences in market demand and acceptance.

Financial Supervisory Commission data showed that approved reverse mortgage credit nationwide exceeded NT$62.8 billion as of March 31, 2026, up 3.8% from the end of 2025. Taipei, New Taipei and Keelung remained the core market, but Taichung, Changhua and Nantou recorded the fastest growth in both approved loan numbers and amounts in the first quarter of 2026, indicating that demand is spreading more rapidly from northern to central Taiwan.