A reverse mortgage is an excellent option for senior homeowners age 62+. It allows these senior homeowners to tap into the home equity that has been built up. There are no monthly mortgage payments, but homeowners are still responsible for paying property taxes, insurance, and maintenance. The repayment of the loan is deferred until the homeowner passes, sells, or moves out of the home. Because there are no monthly mortgage payments and homeowners can generally receive their home equity as tax-free cash for this particular type of loan option.
對於 62 歲以上的高齡房主來說，反向抵押貸款是一個很好的選擇。 它允許高齡房主利用已建立的房屋淨值。 而毋須每月按揭付款，但房主仍負責支付地稅、保險和維護費用。 貸款的償還被推遲到房主過世、出售或搬出房屋。 因為沒有每月的抵押貸款支付，房主通常可以通過這種特殊類型的貸款選擇獲得他們的房屋淨值作為免稅現金。