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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。
PrintWho is eligible for a reverse mortgage loan?
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.