Listen to Audio of this topic (Cantonese only)
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。
PrintHow much does the borrower receive every month?
The borrower receives a fixed monthly payment, whose amount depends on:
- the payment term;
- the age of the borrower; and
- the value of the property.
For every HK$ 1 million of the property’s value, the monthly payment for borrowers under floating-rate mortgage plan at the entry age of 55, 60 or 70 are as follows:
|
Payment term |
Amount of monthly payout (HK$) |
||
|
One borrower |
|||
|
55 years old |
60 years old |
70 years old |
|
|
10 years |
$3,200 |
$3,700 |
$5,100 |
|
15 years |
$2,400 |
$2,800 |
$3,800 |
|
20 years |
$2,050 |
$2,400 |
$3,300 |
|
Life |
$1,650 |
$2,000 |
$3,100 |
|
Payment term |
Amount of monthly payout (HK$) |
||
|
Two borrowers |
|||
|
55 years old |
60 years old |
70 years old |
|
|
10 years |
$2,800 |
$3,300 |
$4,600 |
|
15 years |
$2,150 |
$2,500 |
$3,500 |
|
20 years |
$1,800 |
$2,100 |
$3,000 |
|
Life |
$1,450 |
$1,800 |
$2,800 |
|
Payment term |
Amount of monthly payout (HK$) |
||
|
Three borrowers |
|||
|
55 years old |
60 years old |
70 years old |
|
|
10 years |
$2,500 |
$3,000 |
$4,200 |
|
15 years |
$1,900 |
$2,250 |
$3,200 |
|
20 years |
$1,600 |
$1,900 |
$2,700 |
|
Life |
$1,250 |
$1,550 |
$2,400 |
For other ages and plans, please visit HKMC website to determine the monthly payout amount.
For properties valued at HK$8 million or less, the maximum amount of the specified property value for payout calculation is 100% of appraised property value.
For properties valued over HK$8 million, the maximum amount of the specified property value for payout calculation is the sum of $8 million and 50% of portion exceeding $8 million, subject to a cap of HK$25 million.
How to calculate the monthly payout amount if one borrower is 60 years old and the co-borrower is 70 years old
When there are two borrowers, the monthly payout amount will depend on the age of the younger borrower.
Examples of calculation of monthly payout amount
|
Example 1 |
Example 2 |
Example 3 |
|
|
Borrower(s) and entry age |
One borrower aged 70 |
Two borrowers, one 70 and |
Two borrowers, both 70 |
|
Payment term |
Life |
10-year |
20-year |
|
Property value (HK$) |
$2.5 million |
$6 million |
$45 million |
|
Monthly payout (HK$) (Floating-rate mortgage plan) |
$3,100 x 2.5 = $7,750 |
$3,300 x 6 = |
$3,000 x 25 = |
Example 1
This is an example of a single borrower.
Example 2
When there are two borrowers, the monthly payout amount will depend on the age of the younger borrower. The entry age of the younger partner is used for calculation.
Example 3
The property value used for calculation is capped at HK$25 million. Even though the property value in this example is HK$45 million, the monthly payment will be determined as if the property were worth HK$25 million.
Click here for the Reverse Mortgage Calculator designed by the HKMC to estimate the amount of mortgage you can get.