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安老按揭是政府特別為長者而設的貸款安排,在2011年推出。這一節《長者法網智多聲》,就為大家介紹這個計劃。

參加安老按揭的借款人,可以利用在香港的自住物業,作為抵押品,向參與銀行申請安老按揭貸款。借款人可以在固定年期內,每月拿到一筆錢,年期可以是10年、15年、20年、以至百年歸老。遇到特別情況,也可以拿一筆過貸款。借款人仍然是物業的業主,可以繼續住在那裡,直至百年歸老。

除非借款人永遠搬離那個物業,或有其他原因令安老按揭終止,否則借款人可以終身不用還錢。而借款人的繼承人,如果想贖回物業,可以在借款人百年歸老之後,選擇在一定期限之內,歸還按揭。

一般來說,年滿55歲、持有有效香港身份證、沒有破產、沒有涉及破產呈請或債務重組的人,都可以申請安老按揭。而用作抵押的物業,必須要由借款人以個人名義持有,或與另外最多兩人聯名持有,而借款人是在物業內居住。物業的樓齡不可以超過50年,沒有放租、並且沒有任何轉售限制。如果老友記的物業是未補地價的自置公屋或居屋,老友記必須年滿60歲或以上才可以申請安老按揭。

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Who is eligible for a reverse mortgage loan?

Reverse mortgage

The borrower must:

  • be the holder of valid Hong Kong Identity Card;
  • be aged 55 or above (or aged 60 or above for owners of subsidised sale flats with unpaid land premium); and
  • not be an undischarged bankrupt or otherwise subject to a bankruptcy petition or individual voluntary arrangement (except if the indebtedness under the relevant individual voluntary arrangement is to be repaid in full at closing by way of lump-sum payout.

 

The property used for the reverse mortgage:

  • must be a residential property in Hong Kong (property acquired by deed of gift may be considered);
  • must be owned by:

(i) the borrower as sole and beneficial owner or as joint tenants (if there is more than one borrower); or

(ii) a limited company, incorporated in Hong Kong, wholly and directly owned by the borrower (or if there is more than one borrower, all borrowers);

  • must not exceed 50 years of age (otherwise it will be considered on a case-by-case basis);
  • must not subject to any resale restrictions (except for the alienation restriction of subsidised sale flat imposed by the relevant authority provided written consent
  • from the relevant authority is obtained); and
  • must not be rented out.
    (The borrower may apply to rent out the mortgaged property if it has been owned for at least one year and all the borrowers have:

(i) declared that they have retired; or

(ii) moved out to obtain elderly or medical care

If the property is a subsidised sale flat with unpaidland premium, the borrower must obtain consent from the relevant authority, in addition to the above requirement of property ownership.)

 

Joint ownership

  • The maximum number of borrowers is three persons, which can be spouses, siblings or unrelated parties.
  • If one person owns a property jointly with another person, both owners must be parties to the reverse mortgage loan.
  • All borrowers must be able to satisfy the relevant eligibility criteria.