作者bookticket ()
看板Bank_Service
标题[请益] Is there any bank in Taiwan offering the service?
时间Thu May 21 10:57:54 2009
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
房屋净值转换抵押贷款(Reverse Mortgage)：又称逆向抵押贷款，在欧美国家已有多年历
史，主要是让退休年龄的屋主将其房屋做为抵押品，再从其中借提房屋净值，转换成现金
运用。
一般而言，多数银行规定借款人年龄必须满65岁，若为夫妻档，则双方年龄都须符合年龄
下限。此抵押贷款好处是每月有固定收入外，利息负担也较轻，但若需要大笔资金则不适
用，且欲申请此贷款者，原有房贷最好已经还清或者所剩无几。
另外一个好处则是，房子虽抵押给贷款银行，但屋主仍可继续居住在原址至死亡。不过，
此抵押贷款所取得的借款金额，除了年龄的基本要件外，也会受到借款者的性别、房屋价
值、房价升值率、利率等条件影响，而且还有不少费用支出。
1F：推 AVK:只要借款人有还款能力 房屋估值够 基本上应该是贷的出来 05/21 12:55
2F：→ AVK:跟什麽reverse mortgage没什麽关系 05/21 12:55
3F：→ bookticket:what i ask is "reverse mortgage", not general 05/21 13:40
4F：→ bookticket:mortgage. The former offers the lower interest 05/21 13:41
5F：→ bookticket:rate cost; the letter offers the higher interest 05/21 13:42
6F：→ bookticket:rate cost. They are "definitely" different in 05/21 13:42
7F：→ bookticket:essence. 05/21 13:43
※ 编辑: bookticket 来自: 140.119.72.57 (05/21 13:44)
8F：推 AVK:好吧 你觉得有影响就有吧 台湾没有银行作你说的这种贷款 05/21 13:56
9F：→ bookticket:anyway, sincerely thx. 05/22 01:34