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 Consumer Loan

 

Standard Tariff of Taiw​​an Cooperative Bank- Consumer Loan​

 
     

Unit:NTD

 

NO

Services

​​Charge amount

 ​

1

Credit Inquiry fee, including the inquiry of Checking Account Credibility.

​NT300 per person

 

2

Inquiry fee - non self-use residence

NT 150 per inquiry

 

3

Loan application fee (including renewal & extension)

Unsecured consumer loan


Fee will be charged by 0.1% of the amount applied with minimum charged at NT5,000 per application.

 

Consumer small amount unsecured loan for amount less than NT100,000

NT2,000 per application

 

4

The Account Management fee for applying the adjustment of benchmark interest rate

NT2,000 per application

 

5

Handling fee for Change of Loan Terms and Conditions
(including the application for lowering the interest rate, the change of guarantor or collateral,
,etc )

NT2,000 per application

 

6

penalty against prepayment



Collateral Loan, sub-collateral loan, or credit enhanced loan

When the borrower prepaid the loan principal in full within 3 years from the date of loan disbursement, and asked the Bank to issue the Loan Settlement Certificate or the Agreement of Loan lien release, the Bank may request the borrower to pay the penalty against prepayment in accordance with the following terms and conditions agreed: 

1. When prepaying the loan principal in full within the first year from the date of loan disbursement, the borrower has to pay the penalty against prepayment calculated based on 1% of the accumulated principal prepaid, excluding the principal repaid in accordance with the repayment schedule, within 3 months prior to the date of applying the release of loan lien. 

2. When prepaying the loan principal in full within the second year from the date of loan disbursement, the borrower has to pay the penalty against prepayment calculated based on 0.75% of the accumulated principal prepaid, excluding the principal repaid in accordance with the repayment schedule, within 3 months prior to the date of applying the release of loan lien.  

3. When prepaying the loan principal in full within the third year from the date of loan disbursement, the borrower has to pay the penalty against prepayment calculated based on 0.5% of the accumulated principal prepaid, excluding the principal repaid in accordance with the repayment schedule, within 3 months prior to the date of applying the release of loan lien.

 
 
 


Unsecured Loan

When the borrower prepaid the loan principal in full within 2 years from the date of loan disbursement and asked the Bank to issue the Loan Settlement Certificate, the Bank may request the borrower to pay the penalty against prepayment in accordance with the following terms and conditions agreed:

  1. When prepaying the loan principal in full within the first year from the date of loan disbursement, the borrower has to pay the penalty against prepayment calculated based on 1% of the accumulated principal prepaid, excluding the principal repaid in accordance with the repayment schedule, within 3 months prior to the date of applying the Loan Settlement Certificate. 

2. When prepaying the loan principal in full within the second year from the date of loan disbursement, the borrower has to pay the penalty against prepayment calculated based on 0.75% of the accumulated principal prepaid, excluding the principal repaid in accordance with the repayment schedule, within 3 months prior to the date of applying the Loan Settlement Certificate.

 
 

7

Re-issue Loan Settlement Certificate

NT 500 per certificate

 

8

Re-issue the Loan Certificate of Balance

NT 200 per certificate

 

9

Re-issue copy of Loan Contract
(Certificate of
IndebtednessPromissoryNoteOther Agreement,, etc)

NT 200 per copy

 

P.S.

The application fee will remain at NT5,000 when the mortgage loan is applied in accordance with Guidelines governing the bidding the auctioned real estate from the Court or a fair third party. If the auction real estate is the collateral owned by the Bank, the application fee might be free of charge.

 
​​​Note:The English translation is only for reference, in the event of any discrepancy between the Chinese and English texts hereof and thereof, the Chinese version shall govern.
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