According to statistics from the Financial Supervisory Commission, as of the end of April 2025, the amount of delinquent mortgage loans from national banks has risen for nine consecutive months, reaching NT$8.44 billion, with the delinquency ratio climbing to 0.08%. This figure marks new highs for both 44 and 33 months, with the delinquency ratio rising for the first time after maintaining at 0.07% for six consecutive months, indicating an expansion of default risks in the housing market.

Industry insiders point out that as housing market transactions continue to cool, borrowers with mortgage loans facing difficulties in cash flow are struggling to escape their circumstances. Additionally, as the amount of individual mortgage loans increases, any instances of bad debt naturally elevate the delinquent amounts, making a reversal of the high delinquency situation challenging in the short term.

Chairman Peng Jinlong of the Financial Supervisory Commission noted that as the scale of mortgage loans increases, the delinquency amount will also rise, but he emphasized that the current mortgage delinquency ratio remains at a low level and that the commission will continue to monitor the situation. Director Tong Zhengzhang of the Banking Bureau complemented that the increase in the amount of delinquencies is linked to banks' policies regarding the write-off of bad debts.

The real estate industry is also paying attention to the central bank's monitoring of banks' lending to builders, as declining sales of construction projects could lead to funding chain interruptions for builders. According to the latest data from the Financial Supervisory Commission, as of the end of April 2025, the total mortgage balance of national banks has reached NT$11.1567 trillion, reflecting an annual growth of 8.7%, although it remains the lowest level in 13 months. The rising delinquency balance reaffirms the trend of cooling in the housing market observed since the beginning of the year.