Updated October 14, 2026 · BorrowCue Editorial Team
National Building Society vs Taishin Bank
National Building Society vs Taishin Bank: the differences
| Compare |  National Building Society | Taishin Bank ReviewSee alternativesSee alternatives |
|---|---|---|
| Fixed period | 5 to 25 yearsHigher | 20 years |
| Maximum loan to value | 50% | 80%Higher |
| Purpose | Purchase, Equity release | Purchase, Remortgage, Home equity, Equity releaseCovers more |
| Initial rate | Not confirmed | 3% to 4.49% |
| APRC | Not confirmed | 3.04% to 4.55% |
| Product fee | Not confirmed | NT$8,000 to NT$10,000 |
Same on both: Lender type (Direct lender).
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Key differences
- Taishin Bank scores higher overall: 9.3 vs 9.1.
- Fixed period is higher at National Building Society: 5 to 25 years vs 20 years.
- Maximum loan to value is higher at Taishin Bank: 80% vs 50%.
- Support channels: only Taishin Bank offers Chat, Community.
- Purpose: only Taishin Bank offers Remortgage, Home equity.
Our verdict on each
National Building Society
National Building Society suits borrowers who already bank with the society and want home finance and personal lending in one place. Its 50% maximum loan to value sits below what many rivals offer, so buyers needing a larger mortgage should compare elsewhere before applying.
Taishin Bank
Taishin Bank Taiwan offers general personal-credit products with online application, contract verification, document submission and status inquiry. The listed general criteria specify local nationals aged 20 to 60.
Score breakdown
| Area | National Building Society | Taishin Bank |
|---|---|---|
| Cost | Not confirmed | 8.8 |
| Offer | 8.8Sets 50% for property lending and a 5 to 25 fixed period, plus personal and secured loans. | 9.8Higher |
| Trust | 9.2 | 9.3Higher |
How they place
| Ranking | National Building Society | Taishin Bank |
|---|---|---|
| Personal loans | 614 of 1920 | 382 of 1920 |
| Mortgages | 205 of 716 | 99 of 716 |
| Equity release | 10 of 32 | 3 of 32 |
What we checked
National Building Society
- nbs.co.zw: 7 facts, checked September 26, 2026
Taishin Bank
- taishinbank.com.tw: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | National Building Society | Taishin Bank |
|---|---|---|
| Legal entity | National Building Society Limited | Taishin International Bank Co., Ltd. (Taishin Bank), Unified No. 86519539 |
| Headquarters | Zimbabwe | Taiwan |
| Founded | Not confirmed | 1992 |
| Support channels | Email, Phone, Help centre | Phone, Email, Chat, Help centre, CommunityCovers more |
Loans
| Fact | National Building Society | Taishin Bank |
|---|---|---|
| APR | Not confirmed | 4.12% to 16.39% |
| Loan amount | Not confirmed | NT$150,000 to NT$5,000,000 |
| Term | 12 months | 24 to 120 monthsHigher |
| Arrangement fee | Not confirmed | NT$9,000 total related fees in the general credit loan APR example |
| Credit check | Not confirmed | Hard |
| Funding time | 5 working days | Funds available within 30 minutes after approval |
| Representative example | Not confirmed | One-stage amortising credit loan, NT$300,000 for 5 years with a 12-period lock-in period, rate 2.88%-15% floating, total fees NT$9,000, total cost APR 4.12%-16.39% |
| Features | Not confirmed | Same day funding |
| Rate type | Not confirmed | Variable |
| Free early repayment | Not confirmed | No |
| Eligibility | Applicants must have income paid directly into an NBS account, with national ID, proof of residence, proof of income and 3 months' bank statements | ROC (Taiwan) nationals aged 20-60; full-time employees with 6 months' tenure and annual income of at least NT$300,000, or Taishin credit card holders of 6 months or more |
| Loan types | Personal, SecuredCovers more | Personal |
| Use cases | Home improvement | Not confirmed |
Where each stands against the rest
| Fact | National Building Society | Taishin Bank | Median |
|---|---|---|---|
| Initial rate | Not confirmed | 3% to 4.49%lowest quarter | 4.74 |
| APRC | Not confirmed | 3.04% to 4.55%lowest quarter | 5.11 |
| Fixed period | 5 to 25 yearshighest quarter | 20 yearsabove the median | 10 |
| Maximum loan to value | 50%lowest quarter | 80%below the median | 90% |
Median across 285 listed lenders.
Pros and cons
National Building Society
Pros
- Fixed periods of 5 to 25 give borrowers room to plan ahead
- Home improvement is listed as a use case, alongside purchase and equity release
- A direct lender, so applications go straight to the provider rather than a broker
Cons
- The 50% ceiling is low for a home purchase, and a 12 personal loan term is short
- Lending is listed as personal and secured, so debt consolidation and car finance sit outside the range
- Funding takes 5 working days on personal loans, longer than the quickest lenders compared here
Taishin Bank
Pros
- General personal-credit product.
- Online application, contract verification, document submission and status inquiry.
Cons
- Additional employment and income criteria apply; the age and nationality criteria do not guarantee approval.
Who each suits
National Building Society
Who it suits
- Borrowers who keep their salary in an account with the society
- Home buyers who value a longer fixed period over a higher loan to value
- Members planning home improvement work
Who should look elsewhere
- Anyone borrowing the maximum the market offers, because 50% is capped low
- Applicants with income paid outside the society, since eligibility requires a National Building Society account
- Sofkredit, Creditilia ES and Prestalo followers, whose fixed periods of 0.5 to 20, 5 and 25 sit elsewhere in the market
Taishin Bank
Who it suits
- Taiwan nationals aged 20 to 60 comparing Taishin personal-credit products and online application services.
Current offers
Taishin Bank
Current offer
Bonus
LG Mall 8-day promotion: 1,500 Taishin Points for NT$15,000 spend: 1,500 points
Limited 8-day promotion, spend of NT$15,000 or more; posted 2026/09/22 in Taishin offers
Source, checked September 26, 2026
Bonus
Taishin Pay+ new customer offer: Up to 19% discount plus 10% rebate
New Taishin Pay+ customers
Source, checked September 26, 2026
Country by country
| Country | National Building Society | Taishin Bank |
|---|---|---|
| Taiwan | No | Yes |
| Zimbabwe | Yes | No |
Questions about each
National Building Society
What fixed periods can I choose?+
Fixed periods run 5 to 25, a spread of lengths for a purchase, an equity release or a home improvement plan. The upper end suits a borrower who wants the payment settled for years, while the shorter end keeps the rate commitment modest if plans change.
How much can I borrow against a home?+
The maximum loan to value is 50%, so you would fund a large share of the purchase price yourself. That suits buyers with a solid deposit or equity in an existing property. Anyone stretching further on the deposit would find a higher ceiling elsewhere.
What can I use the borrowing for?+
Purpose covers purchase and equity release, and home improvement is listed as a use case, so borrowing can extend past the purchase itself. Personal and secured loans sit alongside the property lending. Requests such as car finance or debt consolidation fall outside the stated range.
How long does funding take?+
Funding takes 5 working days on personal loans, so plan the timing of an application around that wait rather than treating it as instant. Property lending runs on its own schedule. A borrower facing a deadline should compare lenders that fund faster first.