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Title： Interpretations of the adjustment period for land loan renewal cases to become compliant with the loan-to-value ratio provided in Subparagraph 2, Paragraph 1, Article 5 of the “Regulations Governing the Extension of Housing loans in Specific Areas and Land Loans by Financial Institutions” (referred to as the Regulations hereunder)

Date：February 15, 2012

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1.	Interpretations of the terms and conditions that individuals’ land loans can be exempted from providing concrete construction plan in pursuant to "Regulations Governing the Extension of Housing Loans in Specific Areas and Land Loans by Financial Institutions"
2.	Interpretations for the Regulations Governing the Extension of Housing loans in Specific Areas and land loans by Financial Institutions