{"id":433,"date":"2022-05-12T16:46:50","date_gmt":"2022-05-12T08:46:50","guid":{"rendered":"https:\/\/seniorclic.hk\/?p=433"},"modified":"2024-02-14T15:21:57","modified_gmt":"2024-02-14T07:21:57","slug":"policy-reverse-mortgage-programme","status":"publish","type":"post","link":"https:\/\/seniorclic.hk\/en\/topics\/housing-accomodation\/reverse-mortgage\/policy-reverse-mortgage-programme\/","title":{"rendered":"Policy Reverse Mortgage Programme"},"content":{"rendered":"

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In addition to the Reverse Mortgage Programme, the HKMCI operates the Policy Reverse Mortgage Programme for people who are aged 55 or above to apply for policy reverse mortgage loans.<\/p>\n

The borrower chooses to use his life insurance policy as collateral borrow from a lender. He will receive monthly payments over a fixed period or throughout his entire life (until the maturity of his life insurance policy). He may also apply for lump-sum payouts.<\/p>\n

There is no limit on the number of policy reverse mortgage loans to be taken out by a borrower, but each loan can only have one life insurance policy as collateral.<\/p>\n

The aggregate amount of death benefits of all the borrower\u2019s life insurance policies assigned or to be assigned as collateral under the programme is capped at HK$15 million. For any application with the aggregate amount of death benefits exceeding such capped amount, such application will be considered on a case-by-case basis.<\/p>\n

Typically, when the borrower passes away, the policy reverse mortgage loan becomes due and must be repaid. The lender will use the borrower\u2019s life insurance policy to pay off the outstanding loan within a specific timeframe. The amount recoverable from the life insurance policy to be used for repayment of the policy reverse mortgage loan will be the death benefits of the life insurance policy. If the amount of the death benefits exceeds the outstanding loan amount, the surplus will be returned to the borrower (or his representative). However, if there is a shortfall, the HKMCI will cover it through an insurance arrangement with the lender.<\/p>\n

Eligibility<\/strong> for Policy Reverse Mortgage Loan<\/strong><\/p>\n

The borrower must:<\/strong><\/p>\n