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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。
PrintLump-sum payout
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:
- refinancing of an existing reverse mortgage or full repayment of the existing mortgage on the borrower’s property;
- repayment of the borrower’s other mortgage loans or personal loans;
- settlement of land premium payment for subsidised housing property;
- payment for home improvement, repairs and maintenance of the property;
- payment for medical expenses;
- 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;
- payment for estate planning expenses;
- 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.