Qing'an 3.0 'Subsidy Cutoff Upon Divorce'? Ministry of Finance Reveals Criteria — Experts Expose Harsh Reality: This Group Suffers Most

The Executive Yuan approved the 'Qing'an 3.0' program last week, set to launch on August 1 and run until July 31, 2029. The new scheme requires applicants to be under 50 years old, with home price limits varying by city from NT$20 million to NT$35 million. Parenting families may apply for loans up to NT$15 million. Public attention has focused on whether additional interest subsidies will cease if divorce occurs during the subsidy period.

In response, He Shih-chang, CEO of Hsin-Chuan Real Estate Think Tank, stated on Facebook that according to the Minister of Finance's recent legislative testimony, the determining criterion will be 'custody rights.' However, he warned that under this system, individuals without custody rights but still responsible for child support payments will be severely disadvantaged.

Qing'an 3.0 will officially launch on August 1. Yesterday (22nd), cross-party legislators questioned the Finance Committee about handling cases involving divorce or changes in custody. In response, Finance Minister Chuang Tsui-yun stated that interest subsidy enhancements will cease for homeowners who divorce during the subsidy period or who lose custody after divorce.

Chuang further explained that if divorce occurs within the six-year subsidy period, the NT$2 million interest subsidy bonus for newlyweds will stop from the date the marriage is legally dissolved. If the homeowner loses custody of children after divorce, the additional NT$5 million interest subsidy will also be terminated. Previously disbursed subsidies will not be reclaimed.

He Shih-chang questioned whether a parent in a parenting household who borrowed NT$15 million would still qualify for full interest subsidies if divorce occurs within the six-year period. He answered that it is possible, as eligibility hinges on 'custody rights.' Those with custody can continue receiving full NT$15 million interest subsidies. Those without custody will retain subsidies on NT$10 million of the loan, while the additional NT$5 million subsidy will be suspended.

He analyzed that under this framework, individuals without custody rights but still obligated to pay child support face significant disadvantages. Despite bearing the financial responsibility of raising children, they lose eligibility for subsidies.

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