Reverse Mortgage反向抵押贷款
For eligible Canadian homeowners age 55+, a reverse mortgage may provide access to home equity while allowing you to remain in your home. Costs, interest accumulation and estate impact should be reviewed before proceeding.
对于符合条件的55岁以上加拿大业主，反向抵押贷款可在继续居住的同时使用部分房屋净值。决定前应核对费用、利息累积及对房产净值与遗产的影响。
Home Equity Planning Snapshot
房屋净值规划参考
Method: estimated home value minus existing mortgage balance. It does not estimate reverse-mortgage eligibility or proceeds. A lender determines any available amount using age, property, location, product rules and its current underwriting. Updated September 3, 2026.
计算方法：预估房价减去现有贷款余额。本工具不估算反向房贷资格或可贷额度。实际额度由贷款机构按年龄、房产、地点、产品规则及当时审批决定。更新日期：2026年9月3日。
Key Reverse Mortgage Benefits
反向抵押贷款重点特点
Access Home Equity
使用房屋净值
Use funds to supplement lifestyle, increase cash flow, consolidate debt, renovate, travel, cover medical expenses or support family.
资金可用于改善生活、增加现金流、整合债务、装修、旅行、支付医疗费用或支持家人。
Stay in Your Home
继续住在家中
Access home equity without moving, selling or downsizing.
不用搬家、不用卖房、不用换小房，也能使用房屋净值。
No Monthly Payments Required
通常无需每月还款
No required monthly mortgage payments while conditions are met.
符合条件时通常不要求每月还款。
Keep Ownership and Title
保留房屋产权
You continue to own your home and maintain title while using part of your equity.
你仍然拥有房屋产权，同时使用部分房屋净值。
Lump Sum or Advances
一次性或分期领取
Funds may be structured as a lump sum or advances over time depending on approval.
根据审批情况，资金可选择一次性领取或分期领取。
Eligibility Factors
资格评估因素
Age, property value, location, property type, condition and existing mortgage balance can affect eligibility.
年龄、房屋价值、位置、物业类型、房屋状况和现有贷款余额都会影响资格。
Before deciding
决定前应确认
Ask for the interest rate, compounding, setup and closing costs, prepayment terms, repayment triggers and an illustration of how the balance may grow. Compare alternatives such as a home equity line of credit, conventional refinance, downsizing or other retirement-income options where appropriate.
应要求说明利率、复利方式、设立及成交费用、提前还款条件、何时必须还款，以及余额可能如何增长。也应按情况比较房屋净值信用额度、传统加按、换小房或其他退休现金流方案。
General educational information only. Product availability and terms change. Source reviewed September 3, 2026: Financial Consumer Agency of Canada — Reverse mortgages.
仅供一般教育参考，产品及条款会变化。资料核对日期：2026年9月3日。来源：加拿大金融消费者管理局——反向抵押贷款。