Taiwan had 434,000 people carrying both mortgage and personal-credit debt in July 2026, the largest count since tracking began in 2012, as average balances on the two loans increased year over year.
About 30,000 more people had both forms of debt than in July 2025, bringing the total up 7.4% despite sluggish housing transactions. Mortgage debt among these borrowers averaged NT$6.531 million in July 2026, a NT$273,000 increase from a year earlier. Personal-credit balances averaged NT$1.309 million, up NT$162,000 over the same period. Combined, the two average balances rose NT$435,000.
Taiwan’s banks held NT$22.9 trillion in loans to individuals in August 2026. That figure was about NT$1.4 trillion above the level at the end of 2025; working-capital financing made up more than NT$1 trillion of the increase.
Working-capital financing spans household borrowing for consumption, securities activity and investment liquidity, as well as personal loans for business use; it therefore covers more than lending straight to companies. The July borrower count measures people with both a mortgage and personal-credit debt; the August lending total covers bank loans to individuals more broadly.
