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。
Print-+=
Who 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.
The property used for the reverse mortgage:
- must be held in the name of the borrower, or in the joint names among the borrower and up to 2 co-borrowers as joint tenants;
- must not be more than 50 years older subject to any resale restrictions (except for the alienation restriction of subsidised sale flat imposed by the relevant authority);
- must not be rented out unless with the bank’s written approval; and
- must be occupied by the borrower as his principal residence in Hong Kong.
** Properties over 50 years old are considered on a case-by-case basis and subject to building inspection.
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.