Updated October 14, 2026 · BorrowCue Editorial Team
Nykredit vs Taishin Bank
Where Nykredit and Taishin Bank differ
| Compare |  Nykredit | Taishin Bank ReviewSee alternativesSee alternatives |
|---|---|---|
| Fixed period | 1 to 30 yearsHigher | 20 years |
| Maximum loan to value | 75% | 80%Higher |
| Purpose | Purchase, Remortgage, 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.
- Founded is lower at Nykredit: 1985 vs 1992.
- Nykredit is available in 1 more country.
- Fixed period is higher at Nykredit: 1 to 30 years vs 20 years.
- Maximum loan to value is higher at Taishin Bank: 80% vs 75%.
- Support channels: only Taishin Bank offers Email.
- Purpose: only Taishin Bank offers Home equity.
Our verdict on each
Nykredit
Nykredit suits Danish borrowers who already bank with the group and want a secured car loan or a home loan on the same relationship. The offer rests on a rate type of variable, an origination fee of 0 DKK and a maximum loan to value of 75%.
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 | Nykredit | Taishin Bank |
|---|---|---|
| Cost | Not confirmed | 8.8 |
| Offer | 8.8Rate type is variable, origination fee is 0 DKK, maximum loan to value is 75% and term is 120. | 9.8Higher |
| Trust | 9.2 | 9.3Higher |
Where they rank in our lists
| Ranking | Nykredit | Taishin Bank |
|---|---|---|
| Mortgages | 210 of 716 | 99 of 716 |
| Remortgage deals | 152 of 351 | 69 of 351 |
| Equity release | 11 of 32 | 3 of 32 |
Every fact side by side
| Fact | Nykredit | Taishin Bank |
|---|---|---|
| Legal entity | Nykredit Bank A/S | Taishin International Bank Co., Ltd. (Taishin Bank), Unified No. 86519539 |
| Headquarters | Denmark | Taiwan |
| Founded | 1985Lower | 1992 |
| Support channels | Phone, Chat, Help centre, Community | Phone, Email, Chat, Help centre, CommunityCovers more |
Loans
| Fact | Nykredit | Taishin Bank |
|---|---|---|
| APR | Not confirmed | 4.12% to 16.39% |
| Loan amount | Not confirmed | NT$150,000 to NT$5,000,000 |
| Term | 120 months | 24 to 120 months |
| Arrangement fee | 0 DKK | NT$9,000 total related fees in the general credit loan APR example |
| Credit check | Hard | Hard |
| Funding time | Not confirmed | 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 | Variable | Variable |
| Free early repayment | YesHas it | No |
| Eligibility | Must already be a BoligBank 360, BoligBank 365, Private Banking or Private Banking Elite customer and fund at least 20% of the price | 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 | Car, Secured | Personal |
| Use cases | Home improvement | Not confirmed |
Where each stands against the rest
| Fact | Nykredit | 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 | 1 to 30 yearshighest quarter | 20 yearsabove the median | 10 |
| Maximum loan to value | 75%lowest quarter | 80%below the median | 90% |
Median across 285 listed lenders.
Pros and cons
Nykredit
Pros
- Car and secured lending under car and secured, with free early repayment on the basic car loan
- Origination fee of 0 DKK on the electric car loan, with a term of 120
- A direct lender rather than a broker, so pricing comes from direct lender itself
Cons
- Maximum loan to value of 75% ranks 246 of 293
- The stated purpose is purchase, remortgage and equity release, so lending centres on the home rather than general borrowing
- Eligibility starts with an existing BoligBank or Private Banking relationship, so an applicant has to move banking first
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
Nykredit
Who it suits
- Drivers who already hold a BoligBank or a Private Banking account and want a car loan
- Homebuyers and movers who fund a deposit themselves and want one bank for the mortgage and the car
- Households planning home improvement work who want a secured loan against the property
Who should look elsewhere
- Borrowers with thin deposits, since lending stops at 75%
- Applicants with poor credit, as the check is hard
- Readers wanting a fixed rate, since the stated rate type is variable
Taishin Bank
Who it suits
- Taiwan nationals aged 20 to 60 comparing Taishin personal-credit products and online application services.
Current offers
Nykredit
Current offer
Bonus
Bonus rate on BoligOpsparing before buying your first home: 5% bonus interest on the first DKK 300,000 of BoligOpsparing
Saving in a BoligOpsparing before buying your first home; must move your mortgage to Nykredit
Source, checked September 26, 2026
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 | Nykredit | Taishin Bank |
|---|---|---|
| Denmark | Yes | No |
| Greenland | Yes | No |
| Taiwan | No | Yes |
Questions about each
Nykredit
Who can apply for the Nykredit electric car loan?+
Eligibility is limited to people who already bank with the group as a BoligBank, Private Banking or Private Banking Elite customer, and who put up a deposit themselves before the rest of the price. The group dates back to 1985 and is based in Denmark.
What does the car loan cost?+
The origination fee is 0 DKK on the electric car loan, with a term of 120. The rate is variable rather than fixed, so the rate type listed is variable and the balance can move with market rates.
How much can I borrow against my home?+
Lending reaches a maximum loan to value of 75%, which places it well down the field on this measure. That means the deposit stays large for most buyers, and the stated purpose is purchase, remortgage and equity release rather than wider borrowing.
What credit check does Nykredit run?+
The check on the electric car loan is hard, so an application is recorded on the credit file and the decision rests on the bank's own assessment. Applicants with a thin or damaged credit history can expect that assessment to count against them.