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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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Lump-sum payout

Reverse mortgage

In addition to monthly payouts, the borrower may apply to borrow a lump-sum at the time of the initial loan application and/or at any time during the payment term for the following purposes:

  1. refinancing of an existing reverse mortgage or full repayment of the existing mortgage on the borrower’s property;
  2. repayment of the borrower’s other mortgage loans or personal loans;
  3. settlement of land premium payment for subsidised housing property;
  4. payment for home improvement, repairs and maintenance of the property;
  5. payment for medical expenses;
  6. payment for fees payable to solicitors and medical practitioners in connection with an enduring power of attorney, or fees in connection with the application for a court order under Part II of the Mental Health Ordinance;
  7. payment for estate planning expenses;
  8. purchase of interment right in columbarium and cemetery, as well as expenses for funeral services.

Other purposes not listed above may be considered on a case-by-case basis.

When the borrower applies for a reverse mortgage, the lender will specify in the facility letter the maximum and minimum lump-sum that may be borrowed at the time of application. These maximum and minimum amounts will be reduced during the payment term.

Each time a lump-sum is borrowed, the monthly payment is reduced.