Cheng Xin Leasing Co., Ltd. is a real-estate financing advisory and matching consultancy in the Taipei metropolitan area, serving property owners for over 20 years — including foreign nationals resident in Taiwan, overseas Taiwanese, and foreign-invested companies holding Taiwan property.
We are not a bank, not a financial institution, and we do not lend money. Our role is analysis, structuring advice, and introduction. All financing decisions are made solely by the financial institutions concerned.
Taiwanese banks decline creditworthy property owners every day — for documentation, income recognition, or credit-history reasons. Past declines do not preclude a fresh assessment: we review whether a case can be re-presented, restructured, or routed to a more suitable institution.
Other clients come to us asset-rich but liquidity-poor, or carrying multiple high-cost obligations with no consolidated picture. We build that picture first. Every engagement starts with a case review — property, encumbrances, financial position. Initial consultation at no cost; no fees unless you decide to proceed.
A sale-and-leaseback has three inseparable elements — always together, never apart:
Suits owners for whom new bank financing is unavailable or unwanted: credit-impaired homeowners, retirees with property but thin documented income, business owners who need liquidity without adding debt to the balance sheet. Foreign nationals holding Taiwan residential property — and offshore family members handling a property for relatives — can be assessed the same way; cross-border document flows (notarization, POA) are part of our case handling.
Unsecured personal loans, credit-card revolving balances, and private borrowings consolidated into a single bank mortgage against Taiwan real estate. In past client cases this has reduced monthly outgoings by 30–50% — the achievable structure always depends on the property, income documentation, and the receiving bank's criteria.
Suits dual-income households and SME owners whose aggregate monthly payments have outgrown their cash flow while their property equity sits under-utilized.
Private lending in Taiwan commonly costs 1–2% per month; long-term borrowers often service interest for years without reducing principal. Where the borrower and property qualify, we advise on staged refinancing into bank facilities at annual rates in the 2–3% range — market-practice figures, not a promise of any particular outcome.
Suits owners who took private financing under time pressure and have been unable to exit — typically the single highest-impact restructuring available to them.
We work with relocation firms, expat tax and legal advisors, and international real-estate brokers whose clients own Taiwan property — and with family offices and qualified investors interested in Taiwan residential sale-and-leaseback opportunities, where tenanted properties are purchased at a discount to appraised value with contractual repurchase mechanics and occupancy continuity.
| You need | We provide |
|---|---|
| A local read on a Taiwan property case | 20+ years of Taipei-metro casework; assessment within days, in writing |
| A banking route | Working relationships with 39+ Taiwanese banks; we match case profile to institutional appetite |
| A non-bank structure | Sale-and-leaseback structuring — title transfer + tenancy + contractual repurchase right, documented end-to-end |
| Compliance comfort | FSC-conscious communication standards; no guaranteed-outcome language, ever; we advise and match — banks and investors decide |
① Intro — email or LINE, one paragraph on the case (no personal data needed at this stage). ② Feasibility view — we respond with an initial read: viable routes, realistic ranges, required documents. ③ Engagement — the client engages us directly; you stay in the loop to the degree the client wants. Referral economics are discussed case-by-case and documented in writing before any engagement proceeds.
Case review → feasibility view → structuring & matching → execution support. Initial consultation at no cost; no fees unless you proceed. Mandarin native; written English supported.
Cheng Xin Leasing Co., Ltd.（鋮馨租賃有限公司）· Tax ID 60602537
No. 468, Zhongzheng Rd., Zhonghe Dist., New Taipei City, Taiwan
+886-2-2249-0517 · cx468468@gmail.com · Mon–Fri 09:00–18:00 (GMT+8)