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Event File FINTECH Financial Supervisory Commission (FSC) State-Owned Banks

Taiwan Reverse-Mortgage Lending Tops NT$65.6 Billion

1 reports · First detected 2026-07-22 · Last active 2026-07-22

Taiwan’s reverse-mortgage program allows homeowners to pledge residential property to banks in exchange for recurring payments while continuing to live in their homes. The product is designed mainly to supplement retirement income and has gained importance as Taiwan’s population ages, offering a gauge of demand for home-equity financing as well as shifts in attitudes toward using property wealth in later life.

Data released by Taiwan’s Financial Supervisory Commission showed domestic banks had approved more than NT$65.6 billion ($2.2 billion) in cumulative reverse-mortgage credit as of the end of June 2026. Taipei, New Taipei and Keelung remained the largest market by total value, but quarterly growth was notably stronger in the Yunlin-Chiayi-Tainan and Kaohsiung-Pingtung regions, supported by rising home prices and broader public acceptance of the product.

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1 original reports
CTEE.COM.TW 2026-07-22
全台累計核貸額度衝656億！以房養老業務 雲嘉南聚光

The Backstory

The history behind this event
Taiwan Reverse Mortgage Approvals Top NT$62.8 Billion in Q1 as Central Region Leads Growth2026-04-21 · 2 reports · similarity 0.82

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.

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