The Banking Act of The Republic of China Article 72-2
The total amount of loans extended for residential construction and business construction by a commercial bank shall not exceed thirty percent (30%) of the total balance of its received deposits and issued bank debentures at the time such loans are extended; provided, that the following shall not be subject to such limitation:1. Housing savings and loans approved by the competent authority for the encouragement of savings to facilitate the purchase of self-use residence;2. Housing loans using deposits redeposited from postal savings allocated by the Central Bank of the Republic of China;3. Loans using medium-and long-term funds from the National Development Council to facilitate citizens’ purchase of residence;4. Business construction loans using medium-term and long-term funds from the National Development Fund, Executive Yuan and the National Development Council;5. Mandated loans for purposes of encouraging investment in the construction of public housing, public housing loans and loans for facilitating the purchase of self-use residence by government employees and teachers.A maximum amount of the loans under the provisos to the preceding paragraph may, when necessary, be prescribed by the competent authority.
中文原文 銀行法第72-2條
商業銀行辦理住宅建築及企業建築放款之總額，不得超過放款時所收存款總餘額及金融債券發售額之和之百分之三十。
但下列情形不在此限：
一、為鼓勵儲蓄協助購置自用住宅，經主管機關核准辦理之購屋儲蓄放款。
二、以中央銀行提撥之郵政儲金轉存款辦理之購屋放款。
三、以國家發展委員會中長期資金辦理之輔助人民自購住宅放款。
四、以行政院開發基金管理委員會及國家發展委員會中長期資金辦理之企業建築放款。
五、受託代辦之獎勵投資興建國宅放款、國民住宅放款及輔助公教人員購置自用住宅放款。
主管機關於必要時，得規定銀行辦理前項但書放款之最高額度。
但下列情形不在此限：
一、為鼓勵儲蓄協助購置自用住宅，經主管機關核准辦理之購屋儲蓄放款。
二、以中央銀行提撥之郵政儲金轉存款辦理之購屋放款。
三、以國家發展委員會中長期資金辦理之輔助人民自購住宅放款。
四、以行政院開發基金管理委員會及國家發展委員會中長期資金辦理之企業建築放款。
五、受託代辦之獎勵投資興建國宅放款、國民住宅放款及輔助公教人員購置自用住宅放款。
主管機關於必要時，得規定銀行辦理前項但書放款之最高額度。