Loan Resources
To assist young people in realizing their dreams and to promote a friendly entrepreneurial environment, the Hualien County Government Youth Development Center offers the "Hualien County Youth Entrepreneurship and SME Loans." These loans serve as a strong support system for entrepreneurial youth. A single service window has been established, with dedicated personnel to assist applicants in obtaining loans. If you are a creative and ambitious local youth or a small and medium-sized business, the county government is here to help you overcome financial challenges. We encourage eligible individuals to apply and seize the opportunity to create unlimited business possibilities.
Loan Categories and Eligibility
【General Loan】
- Category 1: Citizens of the Republic of China (Taiwan) who are registered in Hualien County, aged between 18 and 65, and engaged in small-scale businesses in the county that do not require business registration but have tax registration (those legally exempt from tax registration are not included).
- Category 2: Companies or businesses that meet the Ministry of Economic Affairs' definition of small and medium-sized enterprises (SMEs).
- Category 3: Companies or businesses that meet the criteria of Category 2 and are engaged in industries such as tourism, green energy, smart technology, cultural creativity, precision agriculture, healthcare, social enterprises, and other strategic industries announced by the county government.
【Youth Entrepreneurship Loan】
- Businesses that meet the qualifications of the above categories and have been established for less than five years.
- The business must be led by a citizen of the Republic of China (Taiwan), aged between 18 and 45, who has been registered in Hualien County for more than one year.
- The business owner must have participated in government-held or commissioned entrepreneurial guidance courses or related activities for at least 20 hours or have earned at least two credits in the past three years.
Applicants who have been approved for the Youth Entrepreneurship Loan may apply for the General Loan for their business, limited to one time.
Loan Amounts
【General Loan】
- The cumulative loan amount for Category 1 is up to NT$500,000.
- The cumulative loan amount for Category 2 is up to NT$1,000,000.
- The cumulative loan amount for Category 3 is up to NT$2,000,000.
【Youth Entrepreneurship Loan】
- The cumulative loan amount is up to NT$2,000,000.
The loan can be used for purchasing (or constructing) factory buildings, business premises, machinery, equipment, or as working capital for operations.
The loan term is up to five years (including a principal grace period of up to one year). Principal and interest are repaid monthly, with equal installments of principal and interest after the grace period.
Loan Interest Rates
【General Loan】
- The interest rate is capped at the two-year fixed deposit flexible interest rate of Chunghwa Post Co., Ltd. plus an annual interest rate of 1.45%.
【Youth Entrepreneurship Loan】
- The interest rate is capped at the two-year fixed deposit flexible interest rate of Chunghwa Post Co., Ltd. plus an annual interest rate of 0.825%.
The county government may subsidize the interest for Youth Entrepreneurship Loans according to the Interest Subsidies for Youth Entrepreneurship Loan Program, depending on financial conditions.
Required Documents
- Application Form
- A copy of the front and back of the business owner's National Identification Card
- A business plan (for loans below NT$1,000,000 under the General Loan and Youth Entrepreneurship Loan, the application form can replace the business plan)
- An affidavit
- Tax registration, company registration, or business registration documents (if applicable)
- A comprehensive credit report from the Joint Credit Information Center issued within three months prior to the loan application, or consent for the lending bank to obtain a comprehensive credit guarantee agreement
- Other relevant supporting documents as required on a case-by-case basis