Mortgage Tools

Mortgage Tools

Three tools to fully understand your mortgage: monthly payments, prepayment benefits, and how much home you can afford.

Key Concepts

3 Things to Know Before Taking a Mortgage

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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.

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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.