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Long-term loans
 12 Months Ended
Dec. 31, 2025
Long-term Loans  
Long-term loans

15. Long-term loans

 

 

Type of loans 

Period
and payment term

 

Effective

interest rate

   Collateral 

As of
December 31, 2025

 
Bank loans - secured  Borrowing period is from September 01, 2023 to September 01, 2027; interest is repayable monthly; principal is repayable monthly   2.22%  Restricted deposit   371,906 
Bank loans - secured  Borrowing period is from September 06, 2024 to September 06, 2029; interest is repayable monthly; principal is repayable monthly   3.00%  Restricted deposit   365,253 
Bank loans - secured  Borrowing period is from January 22, 2025 to January 22, 2028; interest is repayable monthly; principal is repayable monthly   2.46%  Restricted deposit   332,058 
Bank loans - secured  Borrowing period is from March 31, 2025 to March 31, 2030; interest is repayable monthly; principal is repayable monthly after a 12-month grace period   2.22%  Restricted deposit   468,919 
Other loans - unsecured  Borrowing period is from January 9, 2025 to July 10, 2026; interest is repayable monthly; principal is repayable monthly   8.08%  Guaranteed by the Chairman of the Board, Mr. Jing-Bin Chiang   114,122 
Loans             $1,652,258 
Less: Current portion              (624,620)
Long-term bank loans             $1,027,638 

 

Type of loans 

Period

and payment term

 

Effective

interest rate

   Collateral 

As of

December 31, 2024

 
               
Bank loans - secured  Borrowing period is from March 16, 2022 to September 16, 2025; interest is repayable monthly; principal is repayable monthly   3.53%  Restricted deposit   42,478 
Bank loans - secured  Borrowing period is from September 01, 2023 to September 01, 2027; interest is repayable monthly; principal is repayable monthly   2.22%  Restricted deposit   559,115 
Bank loans - unsecured  Borrowing period is from September 09, 2024 to August 06, 2029; interest is repayable monthly; principal is repayable monthly   3.00%  None   436,175 
Loans             $1,037,768 
Less: Current portion              (42,478)
Long-term bank loans             $995,290 

 

Notes:

 

(1)Current portions refer to long-term loans due within oner year and all long-term loans were guaranteed by the Chairman of the Board, Mr. Jing-Bin Chiang.

 

(2)For the maturity of loans, please refer to Note 34.