Reverse Mortgage
反向抵押贷款
For eligible Canadian homeowners age 55+, a reverse mortgage may provide access to tax-free cash from home equity while allowing you to stay in your home.
对于符合条件的55岁以上加拿大业主，反向抵押贷款可帮助你在继续住在自己家中的同时，使用房屋净值获得免税现金。
Reverse Mortgage Calculator
反向抵押贷款计算器
This calculator is a simplified estimate only and is not a commitment to lend. Final figures are subject to lender review and approval.
此计算器仅为简化估算，并不代表贷款承诺。最终结果以贷款机构审核批准为准。
Key Reverse Mortgage Benefits
反向抵押贷款重点特点
Access Tax-Free Cash
使用免税现金
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。