退休人士綠表購買居屋問題?

1. Unlikely to be approved.

The age of your parents increase the risk of the mortgage problems. Specifically, Hong Kong's current life expectancy is 84.23 years. No bank will approve a 30-year mortgage in this instance.

Unless their retirement income is sufficient, banks usually do not approve any mortgage unless some sort of guarantees are made to the mortgage.

2. Yes and no.

It does not matter if you own a property or not. The problem is if that property is still under an active mortgage. If so, even you might pass the stress test, the bank may impose harsher terms and conditions to protect its interests.

3. Yes and no.

a. A will can always change the outcome.

b. If you have any siblings (brothers/sisters), you will have to share with them.

1.退休人士如未滿65歲有部份銀行會提供樓按借貸，但需要繳付高首期，息率會較一般按揭為高，而供款年期亦會較短； 如年齡超過65歲者，絕大部份銀行就不會考慮了。

2.應冇影響；申請人是退休人士如無收入，只可填子女是諮詢人，因真正擔保人是房委會；如申請人斷供，房委會就會還款給銀行並收回居屋，戶主也無需過壓力測試。

3.但如果本身已有私人物業，私樓業主是可以承繼已故家人的未補地價居屋，不必付印花稅；如本身也是持有未補地價居屋，房署會以雙重福利為理由拒絕承繼的要求。