「自主未來」保障計劃美好人生保障計劃II 及 雍譽終身壽險計劃 已符合保單逆按計劃的申請資格,讓整個貸款過程得以縮短,更快換來流動資金,支持您實現無憂退休生活。

甚麼是保單逆按?

保單逆按計劃由香港按揭證券有限公司(「按揭證券公司」)之全資附屬機構香港按證保險有限公司(「按證保險公司」)營運,旨在讓55歲或以上人士申請保單逆按貸款,讓借款人可以利用壽險保單作為抵押品,向貸款機構提取保單逆按貸款。

保障特點一覽

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    靈活的年金年期

    可選擇在10年、15年、20年或終身每月收取年金至您的壽險保單到期為止

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    一筆過貸款

    可選擇提取一筆過的貸款,以應付特別需要

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    兩種按揭利率計劃

    可選擇浮息或定息按揭計劃,以滿足您的財務需要

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    終身毋須還款

    除非保單逆按貸款在特定情況下被終止,否則您可終身毋須還款

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    不設提前清還貸款的罰款

    可隨時全數清還保單逆按貸款及贖回壽險保單而毋須繳交任何罰款

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    6個月的冷靜期

    於首6個月內,如您終止保單逆按貸款,相關的按揭保費將獲全數退還或豁免

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The above information is for reference only and not to be used as a basis of decision making. Your decision should be based on your actual situation or needs.

The PRMP is operated by the HKMCI. Customers must meet all the eligibility requirements set out by the HKMCI before applying for a policy reverse mortgage loan under the PRMP. All mortgages under the PRMP are subject to relevant terms and conditions. Please contact HKMCI for details.

The information listed above does not constitute professional advice, recommendation, offer or persuasion to any person to make any decision (either investment or other decision). Prudential cannot provide you with any advice on the Policy Reverse Mortgage Programme. You should seek independent advice from relevant experts before making any decision regarding the theme mentioned in the above information. Prudential makes no representation as to the accuracy of the above information and shall not be held liable for any use or interpretation of the above information by a third party.

During the sales process, this information above should be read in conjunction with the relevant product brochure. For full terms and conditions, and risk disclosures of the relevant insurance plan, please refer to the relevant product brochure and policy document and read carefully. Prudential will be happy to provide a specimen of the policy document upon your request.

The above information is for distribution in Hong Kong only. It is not an offer to sell or solicitation to buy or provide any insurance product outside Hong Kong. Prudential does not offer or sell any insurance product in any jurisdictions outside Hong Kong where such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Prudential has the right to accept or decline any application based on the information provided by the policyholder and/or life assured in the application.

Please cross your cheque and make it payable to “Prudential Hong Kong Limited”.

This document is for distribution in Hong Kong only. It is not an offer to sell or solicitation to buy or provide any insurance product outside Hong Kong. Prudential does not offer or sell any insurance product in any jurisdictions outside Hong Kong where such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

 

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