Is there any bank in Taiwan offering the service? - 銀行

By Thomas
at 2009-05-21T10:57

Table of Contents

I feel so sorry, but I can't type in chinese. orz

I have a question:

is there any bank in Taiwan offering the service:

reverse mortgage (or mortgage equity withdrawl) ?

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Some information about reverse mortgage can be referred in the following link:

http://www.digitimes.com.tw/tw/dt/n/shwnws.asp?CnlID=10&cat=50&id=0000069913_B
7R8Q9LWBC0VZM44P8VJ6&ct=2

房屋淨值轉換抵押貸款(Reverse Mortgage)：又稱逆向抵押貸款，在歐美國家已有多年歷
史，主要是讓退休年齡的屋主將其房屋做為抵押品，再從其中借提房屋淨值，轉換成現金
運用。

一般而言，多數銀行規定借款人年齡必須滿65歲，若為夫妻檔，則雙方年齡都須符合年齡
下限。此抵押貸款好處是每月有固定收入外，利息負擔也較輕，但若需要大筆資金則不適
用，且欲申請此貸款者，原有房貸最好已經還清或者所剩無幾。

另外一個好處則是，房子雖抵押給貸款銀行，但屋主仍可繼續居住在原址至死亡。不過，
此抵押貸款所取得的借款金額，除了年齡的基本要件外，也會受到借款者的性別、房屋價
值、房價升值率、利率等條件影響，而且還有不少費用支出。

推 AVK:只要借款人有還款能力房屋估值夠基本上應該是貸的出來 05/21 12:55

→ AVK:跟什麼reverse mortgage沒什麼關係 05/21 12:55

→ bookticket:what i ask is "reverse mortgage", not general 05/21 13:40

→ bookticket:mortgage. The former offers the lower interest 05/21 13:41

→ bookticket:rate cost; the letter offers the higher interest 05/21 13:42

→ bookticket:rate cost. They are "definitely" different in 05/21 13:42

→ bookticket:essence. 05/21 13:43

※ 編輯: bookticket 來自: 140.119.72.57 (05/21 13:44)

推 AVK:好吧你覺得有影響就有吧台灣沒有銀行作你說的這種貸款 05/21 13:56

→ bookticket:anyway, sincerely thx. 05/22 01:34

Tags: 銀行