{"id":429,"date":"2022-05-12T16:46:22","date_gmt":"2022-05-12T08:46:22","guid":{"rendered":"https:\/\/seniorclic.hk\/?p=429"},"modified":"2024-03-18T10:15:59","modified_gmt":"2024-03-18T02:15:59","slug":"how-much-does-the-borrower-receive-every-month","status":"publish","type":"post","link":"https:\/\/seniorclic.hk\/en\/topics\/housing-accomodation\/reverse-mortgage\/how-much-does-the-borrower-receive-every-month\/","title":{"rendered":"How much does the borrower receive every month?"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”Post Breadcrumbs” module_class=”breadcrumbs” _builder_version=”4.17.3″ _module_preset=”default” custom_padding=”0px||30px||false|false” saved_tabs=”all” locked=”on” collapsed=”on” global_colors_info=”{}”][et_pb_row _builder_version=”4.17.3″ _module_preset=”default” custom_padding=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}”][lwp_divi_breadcrumbs font_icon=”5||divi||400″ use_before_icon=”on” before_icon=”E||divi||400″ _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}”][\/lwp_divi_breadcrumbs][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Audio & Share” module_class=”audio” _builder_version=”4.17.3″ _module_preset=”default” custom_padding=”0px||0px||true|false” collapsed=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.17.3″ _module_preset=”default” custom_padding=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Listen to Audio of this topic (Cantonese only)” admin_label=”Audio ” module_class=”post-audio” _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n\n

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\u9664\u975e\u501f\u6b3e\u4eba\u6c38\u9060\u642c\u96e2\u90a3\u500b\u7269\u696d\uff0c\u6216\u6709\u5176\u4ed6\u539f\u56e0\u4ee4\u5b89\u8001\u6309\u63ed\u7d42\u6b62\uff0c\u5426\u5247\u501f\u6b3e\u4eba\u53ef\u4ee5\u7d42\u8eab\u4e0d\u7528\u9084\u9322\u3002\u800c\u501f\u6b3e\u4eba\u7684\u7e7c\u627f\u4eba\uff0c\u5982\u679c\u60f3\u8d16\u56de\u7269\u696d\uff0c\u53ef\u4ee5\u5728\u501f\u6b3e\u4eba\u767e\u5e74\u6b78\u8001\u4e4b\u5f8c\uff0c\u9078\u64c7\u5728\u4e00\u5b9a\u671f\u9650\u4e4b\u5167\uff0c\u6b78\u9084\u6309\u63ed\u3002<\/p>\n

\u4e00\u822c\u4f86\u8aaa\uff0c\u5e74\u6eff55\u6b72\u3001\u6301\u6709\u6709\u6548\u9999\u6e2f\u8eab\u4efd\u8b49\u3001\u6c92\u6709\u7834\u7522\u3001\u6c92\u6709\u6d89\u53ca\u7834\u7522\u5448\u8acb\u6216\u50b5\u52d9\u91cd\u7d44\u7684\u4eba\uff0c\u90fd\u53ef\u4ee5\u7533\u8acb\u5b89\u8001\u6309\u63ed\u3002\u800c\u7528\u4f5c\u62b5\u62bc\u7684\u7269\u696d\uff0c\u5fc5\u9808\u8981\u7531\u501f\u6b3e\u4eba\u4ee5\u500b\u4eba\u540d\u7fa9\u6301\u6709\uff0c\u6216\u8207\u53e6\u5916\u6700\u591a\u5169\u4eba\u806f\u540d\u6301\u6709\uff0c\u800c\u501f\u6b3e\u4eba\u662f\u5728\u7269\u696d\u5167\u5c45\u4f4f\u3002\u7269\u696d\u7684\u6a13\u9f61\u4e0d\u53ef\u4ee5\u8d85\u904e50\u5e74\uff0c\u6c92\u6709\u653e\u79df\u3001\u4e26\u4e14\u6c92\u6709\u4efb\u4f55\u8f49\u552e\u9650\u5236\u3002\u5982\u679c\u8001\u53cb\u8a18\u7684\u7269\u696d\u662f\u672a\u88dc\u5730\u50f9\u7684\u81ea\u7f6e\u516c\u5c4b\u6216\u5c45\u5c4b\uff0c\u8001\u53cb\u8a18\u5fc5\u9808\u5e74\u6eff60\u6b72\u6216\u4ee5\u4e0a\u624d\u53ef\u4ee5\u7533\u8acb\u5b89\u8001\u6309\u63ed\u3002<\/p>\n

[\/et_pb_blurb][et_pb_code admin_label=”Print” _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Print<\/a><\/div>\n

[\/et_pb_code][et_pb_code admin_label=”Email” _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}”]

<\/a><\/a><\/div><\/div> [\/et_pb_code][et_pb_code admin_label=”Font” module_class=”font-resize” _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}”]
<\/span>-<\/span>+<\/span>=<\/span><\/div> [\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Content” module_id=”content” _builder_version=”4.17.3″ _module_preset=”default” custom_padding=”50px||50px||true|false” collapsed=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.17.3″ _module_preset=”default” custom_padding=”0px||||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}”][et_pb_post_title author=”off” date=”off” comments=”off” featured_image=”off” _builder_version=”4.17.3″ _module_preset=”default” locked=”on” global_colors_info=”{}”][\/et_pb_post_title][et_pb_text _builder_version=”4.17.3″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

The borrower receives a fixed monthly payment, whose amount depends on:<\/p>\n

    \n
  1. the payment term;<\/li>\n
  2. the age of the borrower; and<\/li>\n
  3. the value of the property.<\/li>\n<\/ol>\n

    For every HK$ 1 million of the property\u2019s value, the monthly payment for borrowers under floating-rate mortgage plan at the entry age of 55, 60 or 70 are as follows:<\/p>\n\n\n\n\n\n\n\n\n\n
    \n

    Payment term<\/strong><\/p>\n<\/td>\n

    		\n

    Amount of monthly payout (HK$)<\/strong><\/p>\n<\/td>\n<\/tr>\n

    \n

    One borrower<\/strong><\/p>\n<\/td>\n<\/tr>\n

    \n

    55 years old<\/strong><\/p>\n<\/td>\n

    		\n

    60 years old<\/strong><\/p>\n<\/td>\n

    		\n

    70 years old<\/strong><\/p>\n<\/td>\n<\/tr>\n

    \n

    10 years<\/strong><\/p>\n<\/td>\n

    		\n

    $3,200<\/p>\n<\/td>\n

    		\n

    $3,700<\/p>\n<\/td>\n

    		\n

    $5,100<\/p>\n<\/td>\n<\/tr>\n

    \n

    15 years<\/strong><\/p>\n<\/td>\n

    		\n

    $2,400<\/p>\n<\/td>\n

    		\n

    $2,800<\/p>\n<\/td>\n

    		\n

    $3,800<\/p>\n<\/td>\n<\/tr>\n

    \n

    20 years<\/strong><\/p>\n<\/td>\n

    		\n

    $2,050<\/p>\n<\/td>\n

    		\n

    $2,400<\/p>\n<\/td>\n

    		\n

    $3,300<\/p>\n<\/td>\n<\/tr>\n

    \n

    Life
    <\/strong><\/p>\n<\/td>\n

    		\n

    $1,650<\/p>\n<\/td>\n

    		\n

    $2,000<\/p>\n<\/td>\n

    		\n

    $3,100<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

     <\/p>\n\n\n\n\n\n\n\n\n\n
    \n

    Payment term<\/strong><\/p>\n<\/td>\n

    		\n

    Amount of monthly payout (HK$)<\/strong><\/p>\n<\/td>\n<\/tr>\n

    \n

    Two borrowers<\/strong><\/p>\n<\/td>\n<\/tr>\n

    \n

    55 years old<\/strong><\/p>\n<\/td>\n

    		\n

    60 years old<\/strong><\/p>\n<\/td>\n

    		\n

    70 years old<\/strong><\/p>\n<\/td>\n<\/tr>\n

    \n

    10 years<\/strong><\/p>\n<\/td>\n

    		\n

    $2,800<\/p>\n<\/td>\n

    		\n

    $3,300<\/p>\n<\/td>\n

    		\n

    $4,600<\/p>\n<\/td>\n<\/tr>\n

    \n

    15 years<\/strong><\/p>\n<\/td>\n

    		\n

    $2,150<\/p>\n<\/td>\n

    		\n

    $2,500<\/p>\n<\/td>\n

    		\n

    $3,500<\/p>\n<\/td>\n<\/tr>\n

    \n

    20 years<\/strong><\/p>\n<\/td>\n

    		\n

    $1,800<\/p>\n<\/td>\n

    		\n

    $2,100<\/p>\n<\/td>\n

    		\n

    $3,000<\/p>\n<\/td>\n<\/tr>\n

    \n

    Life<\/strong><\/p>\n<\/td>\n

    		\n

    $1,450<\/p>\n<\/td>\n

    		\n

    $1,800<\/p>\n<\/td>\n

    		\n

    $2,800<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

     <\/p>\n\n\n\n\n\n\n\n\n\n
    \n

    Payment term<\/strong><\/p>\n<\/td>\n

    		\n

    Amount of monthly payout (HK$)<\/strong><\/p>\n<\/td>\n<\/tr>\n

    \n

    Three borrowers<\/strong><\/p>\n<\/td>\n<\/tr>\n

    \n

    55 years old<\/strong><\/p>\n<\/td>\n

    		\n

    60 years old<\/strong><\/p>\n<\/td>\n

    		\n

    70 years old<\/strong><\/p>\n<\/td>\n<\/tr>\n

    \n

    10 years<\/strong><\/p>\n<\/td>\n

    		\n

    $2,500<\/p>\n<\/td>\n

    		\n

    $3,000<\/p>\n<\/td>\n

    		\n

    $4,200<\/p>\n<\/td>\n<\/tr>\n

    \n

    15 years<\/strong><\/p>\n<\/td>\n

    		\n

    $1,900<\/p>\n<\/td>\n

    		\n

    $2,250<\/p>\n<\/td>\n

    		\n

    $3,200<\/p>\n<\/td>\n<\/tr>\n

    \n

    20 years<\/strong><\/p>\n<\/td>\n

    		\n

    $1,600<\/p>\n<\/td>\n

    		\n

    $1,900<\/p>\n<\/td>\n

    		\n

    $2,700<\/p>\n<\/td>\n<\/tr>\n

    \n

    Life<\/strong><\/p>\n<\/td>\n

    		\n

    $1,250<\/p>\n<\/td>\n

    		\n

    $1,550<\/p>\n<\/td>\n

    		\n

    $2,400<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

     <\/p>\n

    For other ages and plans, please visit HKMC website<\/a> to determine the monthly payout amount.<\/p>\n

    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.<\/p>\n

    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.<\/p>\n

    How to calculate the monthly payout amount if one borrower is 60 years old and the co-borrower is 70 years old<\/h2>\n

    When there are two borrowers, the monthly payout amount will depend on the age of the younger borrower.<\/p>\n

    Examples of calculation of monthly payout amount <\/strong><\/p>\n\n\n\n\n\n\n\n
    \u00a0<\/td>\n\n

    Example 1<\/strong><\/p>\n<\/td>\n

    		\n

    Example 2<\/strong><\/p>\n<\/td>\n

    		\n

    Example 3<\/strong><\/p>\n<\/td>\n<\/tr>\n

    \n

    Borrower(s) and entry age<\/strong><\/p>\n<\/td>\n

    		\n

    One borrower aged 70<\/p>\n<\/td>\n

    		\n

    Two borrowers, one 70 and
    the other 60<\/p>\n<\/td>\n

    		\n

    Two borrowers, both 70<\/p>\n<\/td>\n<\/tr>\n

    \n

    Payment term<\/strong><\/p>\n<\/td>\n

    		\n

    Life<\/p>\n<\/td>\n

    		\n

    10-year<\/p>\n<\/td>\n

    		\n

    20-year<\/p>\n<\/td>\n<\/tr>\n

    \n

    Property value (HK$)<\/strong><\/p>\n<\/td>\n

    		\n

    $2.5 million<\/p>\n<\/td>\n

    		\n

    $6 million<\/p>\n<\/td>\n

    		\n

    $45 million<\/p>\n<\/td>\n<\/tr>\n

    \n

    Monthly payout (HK$) (Floating-rate mortgage plan)
    <\/strong><\/p>\n<\/td>\n

    		\n

    $3,100 x 2.5 = $7,750<\/p>\n<\/td>\n

    		\n

    $3,300 x 6 =
    $19,800<\/p>\n<\/td>\n

    		\n

    $3,000 x 25 =
    $75,000<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    Example 1
    <\/span><\/u>This is an example of a single borrower.<\/u><\/span><\/p>\n

    Example 2<\/u>
    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.<\/p>\n

    Example 3
    <\/u>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.<\/span><\/p>\n

    Click\u00a0here<\/a>\u00a0for the Reverse Mortgage Calculator designed by the HKMC to estimate the amount of mortgage you can get.<\/span><\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

    \n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t
    \n\t\t\t\t\t
    E<\/span> <\/span> Home<\/span><\/a><\/span> 5<\/span> <\/span><\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div> \u5b89\u8001\u6309\u63ed\u662f\u653f\u5e9c\u7279\u5225\u70ba\u9577\u8005\u800c\u8a2d\u7684\u8cb8\u6b3e\u5b89\u6392\uff0c\u57282011\u5e74\u63a8\u51fa\u3002\u9019\u4e00\u7bc0\u300a\u9577\u8005\u6cd5\u7db2\u667a\u591a\u8072\u300b\uff0c\u5c31\u70ba\u5927\u5bb6\u4ecb\u7d39\u9019\u500b\u8a08\u5283\u3002 \u53c3\u52a0\u5b89\u8001\u6309\u63ed\u7684\u501f\u6b3e\u4eba\uff0c\u53ef\u4ee5\u5229\u7528\u5728\u9999\u6e2f\u7684\u81ea\u4f4f\u7269\u696d\uff0c\u4f5c\u70ba\u62b5\u62bc\u54c1\uff0c\u5411\u53c3\u8207\u9280\u884c\u7533\u8acb\u5b89\u8001\u6309\u63ed\u8cb8\u6b3e\u3002\u501f\u6b3e\u4eba\u53ef\u4ee5\u5728\u56fa\u5b9a\u5e74\u671f\u5167\uff0c\u6bcf\u6708\u62ff\u5230\u4e00\u7b46\u9322\uff0c\u5e74\u671f\u53ef\u4ee5\u662f10\u5e74\u300115\u5e74\u300120\u5e74\u3001\u4ee5\u81f3\u767e\u5e74\u6b78\u8001\u3002\u9047\u5230\u7279\u5225\u60c5\u6cc1\uff0c\u4e5f\u53ef\u4ee5\u62ff\u4e00\u7b46\u904e\u8cb8\u6b3e\u3002\u501f\u6b3e\u4eba\u4ecd\u7136\u662f\u7269\u696d\u7684\u696d\u4e3b\uff0c\u53ef\u4ee5\u7e7c\u7e8c\u4f4f\u5728\u90a3\u88e1\uff0c\u76f4\u81f3\u767e\u5e74\u6b78\u8001\u3002 \u9664\u975e\u501f\u6b3e\u4eba\u6c38\u9060\u642c\u96e2\u90a3\u500b\u7269\u696d\uff0c\u6216\u6709\u5176\u4ed6\u539f\u56e0\u4ee4\u5b89\u8001\u6309\u63ed\u7d42\u6b62\uff0c\u5426\u5247\u501f\u6b3e\u4eba\u53ef\u4ee5\u7d42\u8eab\u4e0d\u7528\u9084\u9322\u3002\u800c\u501f\u6b3e\u4eba\u7684\u7e7c\u627f\u4eba\uff0c\u5982\u679c\u60f3\u8d16\u56de\u7269\u696d\uff0c\u53ef\u4ee5\u5728\u501f\u6b3e\u4eba\u767e\u5e74\u6b78\u8001\u4e4b\u5f8c\uff0c\u9078\u64c7\u5728\u4e00\u5b9a\u671f\u9650\u4e4b\u5167\uff0c\u6b78\u9084\u6309\u63ed\u3002 \u4e00\u822c\u4f86\u8aaa\uff0c\u5e74\u6eff55\u6b72\u3001\u6301\u6709\u6709\u6548\u9999\u6e2f\u8eab\u4efd\u8b49\u3001\u6c92\u6709\u7834\u7522\u3001\u6c92\u6709\u6d89\u53ca\u7834\u7522\u5448\u8acb\u6216\u50b5\u52d9\u91cd\u7d44\u7684\u4eba\uff0c\u90fd\u53ef\u4ee5\u7533\u8acb\u5b89\u8001\u6309\u63ed\u3002\u800c\u7528\u4f5c\u62b5\u62bc\u7684\u7269\u696d\uff0c\u5fc5\u9808\u8981\u7531\u501f\u6b3e\u4eba\u4ee5\u500b\u4eba\u540d\u7fa9\u6301\u6709\uff0c\u6216\u8207\u53e6\u5916\u6700\u591a\u5169\u4eba\u806f\u540d\u6301\u6709\uff0c\u800c\u501f\u6b3e\u4eba\u662f\u5728\u7269\u696d\u5167\u5c45\u4f4f\u3002\u7269\u696d\u7684\u6a13\u9f61\u4e0d\u53ef\u4ee5\u8d85\u904e50\u5e74\uff0c\u6c92\u6709\u653e\u79df\u3001\u4e26\u4e14\u6c92\u6709\u4efb\u4f55\u8f49\u552e\u9650\u5236\u3002\u5982\u679c\u8001\u53cb\u8a18\u7684\u7269\u696d\u662f\u672a\u88dc\u5730\u50f9\u7684\u81ea\u7f6e\u516c\u5c4b\u6216\u5c45\u5c4b\uff0c\u8001\u53cb\u8a18\u5fc5\u9808\u5e74\u6eff60\u6b72\u6216\u4ee5\u4e0a\u624d\u53ef\u4ee5\u7533\u8acb\u5b89\u8001\u6309\u63ed\u3002
    <\/a><\/a><\/div><\/div>
    <\/span>-<\/span>+<\/span>=<\/span><\/div> The borrower receives a fixed monthly payment, whose amount depends on: the payment term; the age of the […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false},"categories":[32],"tags":[],"yoast_head":"\nHow much does the borrower receive every month? - Senior CLIC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/seniorclic.hk\/en\/topics\/housing-accomodation\/reverse-mortgage\/how-much-does-the-borrower-receive-every-month\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How much does the borrower receive every month? 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