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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。
至於借款人每個月可以拿到多少錢，就視乎他打算參與計劃多少年、物業的樓齡和價值。
舉例說，如果物業價值300萬元，申請人60歲，打算做十年安老按揭的話，他每個月就可以拿到一萬一千多元。如果打算參與計劃直至百年歸老的話，每個月就會拿到六千元。而兩個人一起參加計劃，就會以較年輕的借款人的歲數去計算。如果想知道更詳細一些，可以到香港按揭證券有限公司的網頁看看，長者社區法網文字版有提供超連結。
有興趣申請安老按揭的老友記，首先要聯絡參與銀行，由銀行向您解釋詳情，初步評估您是否符合申請資格。您之後要約見合資格的安老按揭輔導法律顧問，顧問會講解安老按揭的特點、主要法律權益和責任，以及獲得安老按揭貸款之後，有甚麼法律後果。完成安老按揭輔導的申請人，會獲頒發輔導證書。拿到證書之後，就可以到任何一間參與銀行，正式申請安老按揭。銀行批核了，借款人簽好所有按揭文件，就可以拿到安老按揭貸款。借款人在申請時，要支付利息、按揭保費和輔導費等費用。
香港按揭證券有限公司準備了一份「重要通知」，在申請安老按揭之前，記得要小心看清楚。這份通知可以在長者社區法網文字版下載。這一節就講到這裡。拜拜。
PrintWaiver of public health care expenses
Recipients of Comprehensive Social Security Assistance (“CSSA”) do not have to pay for public health care.
To be eligible for CSSA, an applicant must satisfy the residence requirement and the relevant financial tests. The applicant must have been a Hong Kong resident for at least one year. Any applicant who became a Hong Kong resident before 1 January 2004 is exempt from the residence requirement, but must pass both the income and asset tests set by the Social Welfare Department. For more details about CSSA, please refer to “Social Welfare for the Elderly”.
Non-CSSA recipients who cannot afford public sector medical expenses can apply for a medical fee waiver at the Medical Social Services Units of public hospitals and clinics, or at the Integrated Family Services Centres or Family and Child Protective Services Units of the Social Welfare Department.
CSSA should not be confused with the SSA, which provides a monthly allowance to Hong Kong residents who are severely disabled or who are 65 years of age or above.
The residence requirements are also different. To be eligible for the SSA, the applicant must have been a Hong Kong resident for at least seven years (persons who became Hong Kong residents before 1 January 2004 are exempt from this residence requirement) and must have resided in Hong Kong continuously for at least one year immediately before the date of application (absence from Hong Kong up to a maximum of 90 days during the one-year period is treated as residence in Hong Kong).
Further, the applicant must continue to reside in Hong Kong to be eligible for the SSA (except Guangdong Scheme and Fujian Scheme).
Hong Kong senior citizens residing in the Mainland might not be eligible for the SSA (except Guangdong Scheme and Fujian Scheme) if they cannot satisfy the residence requirement. However, that would not affect their right to access to public health care services in Hong Kong if they are holders of a permanent or non-permanent Hong Kong identity card.
There is no “double benefit” in the sense that recipients of CSSA are not eligible for SSA.