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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。
PrintHow much does the borrower receive every month?
The borrower receives a fixed monthly payment, whose amount depends on:
- the term of the annuity payment;
- 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 at the entry age of 55, 60 or 70 are as follows:
|
Term of annuity payment |
Amount of monthly annuity payment (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 annuity |
$1,650 |
$2,000 |
$3,100 |
|
Term of annuity payment |
Amount of monthly annuity payment (HK$) |
||
|
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 annuity |
$1,450 |
$1,800 |
$2,800 |
|
Term of annuity payment |
Amount of monthly annuity payment (HK$) |
||
|
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 annuity |
$1,250 |
$1,550 |
$2,400 |
For other ages, please visit HKMC website to determine the monthly payout.
On 16 November 2012, the maximum property value for payout calculation was increased to HK$15 million. For properties worth over $8 million, a discount is applied in computing the specified property value. For any property valued at HK$25 million or above, the maximum specified property value for payout calculation is capped at HK$15 million.
How to calculatethe monthly annuity payment if one borrower is 60 years old and the co-borrower is 70 years old
When there are two borrowers, the annuity payment will depend on the age of the younger borrower.
Examples
|
|
Example 1 |
Example 2 |
Example 3 |
|
Borrower(s) and entry age |
One borrower aged 70 |
Two borrowers, one 70 and |
Two borrowers, both 70 |
|
Payment term |
Life |
Life |
Life |
|
Property value (HK$) |
$2.5 million |
$2.5 million |
$9 million |
|
Monthly payout (HK$) |
$3,100 x 2.5 = $7,750 |
$1,800 x 2.5 = |
$2,800 x 8 = |
Example 2
When there are two borrowers, the amount of the monthly annuity payment 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$8 million. Even though the property value in this example is HK$9 million, the monthly payment will be determined as if the property were worth HK$8 million
Click here for the Reverse Mortgage Calculator designed by the HKMC to estimate the amount of mortgage you can get.