Regulations Governing Subsidy of Interest on Debt Extension of Disaster-affected Residents Article 2
The subsidy program under these Regulations applies to interest on various debts of disaster-affected residents (referred to as "affected residents" hereunder) to financial institutions incurred prior to the day of the disaster and with repayment period extended by the financial institutions. The interest subsidy only covers the debt extension period.The term "financial institutions" referred to in the preceding paragraph include banks, credit cooperatives, institutions engaging in credit card business, insurance companies, ChungHwa Post Co., Ltd., Agricultural Bank of Taiwan and credit departments of farmers' and fishermen's associations.The term "various debts" referred to in the first paragraph hereof include the following:1. Mortgage loans of self-use residence and non-self-use residence in disaster affected areas other than those mentioned under Paragraph 1, Article 42 of the Act.2. Other loans secured by a house in a disaster affected area.3. Insurance policy loans.4. Auto loans.5. Credit card and cash card payables.6. Other secured loans.7. Other unsecured loans.8. Consumer finance cases handled by members of the Bankers Association of the Republic of China through unsecured debt negotiation mechanism and debt cases handled by financial institutions through out-of-court debt workout mechanism or mediated debt workout program in accordance with the Consumer Debt Clearance Act (collectively referred to as "negotiated debts" hereunder).Loans already reported as non-performing loans or loans against which recourse actions have been taken are not eligible for subsidy under these Regulations. However the preceding provision does not apply to negotiated debts.To apply to financial institutions for extension of debt repayment, affected residents should present proof of damage issued by the special municipality, county (city) government, or township (town, city, district) office, mountain indigenous district office of special municipalities, or tax authority. Notwithstanding the foregoing, an affected resident may also requests investigation of damage by its financial institution, and if the investigation finds the existence of damage, the investigation and assessment form prepared by the financial institution may be used in lieu of the proof of damage.
中文原文 金融機構辦理受災居民債務展延利息補貼辦法第2條
本辦法之補貼範圍為金融機構就災害發生日前，受災居民對其所負之各項債務，經辦理展延，於展延期間其各項債務之利息。
前項所稱金融機構，包括銀行、信用合作社、信用卡業務機構、保險公司、中華郵政股份有限公司、全國農業金庫、農會信用部及漁會信用部。
第一項所稱各項債務，範圍如下：
一、本法第四十二條第一項以外之災區自用住宅及非自用住宅購屋貸款。
二、以災區之房屋為擔保之其他貸款。
三、保險單借款。
四、汽車貸款。
五、信用卡與現金卡應繳款項。
六、其他擔保貸款。
七、其他無擔保貸款。
八、中華民國銀行公會會員辦理消費金融案件無擔保債務協商機制及金融機構辦理消費者債務清理條例法院外前置協商機制及前置調解之債務（以下簡稱債務協商債務）。
災害發生日時已列報逾期放款或經訴追之各項貸款，非屬本辦法之補貼範圍。
但債務協商債務，不在此限。
受災居民應檢具受災地區直轄市、縣（市）政府、鄉（鎮、市、區）公所、直轄市山地原住民區公所或稅捐稽徵機關出具之受災證明文件，向金融機構申請展延。
但受災居民得要求金融機構調查其遭受之損失，如經調查屬實者，得以金融機構所填具之調查評估表，代替受災證明文件。
前項所稱金融機構，包括銀行、信用合作社、信用卡業務機構、保險公司、中華郵政股份有限公司、全國農業金庫、農會信用部及漁會信用部。
第一項所稱各項債務，範圍如下：
一、本法第四十二條第一項以外之災區自用住宅及非自用住宅購屋貸款。
二、以災區之房屋為擔保之其他貸款。
三、保險單借款。
四、汽車貸款。
五、信用卡與現金卡應繳款項。
六、其他擔保貸款。
七、其他無擔保貸款。
八、中華民國銀行公會會員辦理消費金融案件無擔保債務協商機制及金融機構辦理消費者債務清理條例法院外前置協商機制及前置調解之債務（以下簡稱債務協商債務）。
災害發生日時已列報逾期放款或經訴追之各項貸款，非屬本辦法之補貼範圍。
但債務協商債務，不在此限。
受災居民應檢具受災地區直轄市、縣（市）政府、鄉（鎮、市、區）公所、直轄市山地原住民區公所或稅捐稽徵機關出具之受災證明文件，向金融機構申請展延。
但受災居民得要求金融機構調查其遭受之損失，如經調查屬實者，得以金融機構所填具之調查評估表，代替受災證明文件。