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澳洲一些金融机构准备给最高年龄为75岁的老年人提供买房贷款，他们可以负债30年直到105岁。

根据RateCity网站的调查，澳洲90%的房贷没有年龄限制，另外10%的贷款年龄上限为65-75岁。

然而行业专家们警告，老年人无力偿还贷款的可能性很大，会遗留很多债务。

澳洲财务辅导公司执行董事Fiona Guthrie说，现在有越来越多的退休人员陷入财务困难。她建议老年人在贷款时三思而后行，并且最好与成年子女商量。

另外她也警告，老年人为子女做贷款担保需谨慎。如果子女还贷出现问题，他们则须最终负责。

根据统计数据，2013年澳洲各大城市的房价平均上涨10%。国际货币基金组织（IMF）的最新研究显示，澳洲的房价和工资收入比例是全球第三高。

RateCity首席执行官Alex Parsons说，澳洲人口老龄化是事实，可是老年人贷款存在很大风险。特别是不再工作的老年人只能靠以前积累下来的退休金，很难有足够的收入还款。

在英国，当地的银行也允许贷款给年龄70岁的老人，借贷30年。

澳洲银行家协会首席执行官Steven Munchenberg说，澳洲银行须遵守贷款相关法律，并确保不能贷款给不适合的客户。

英文原版：

Financial institutions offering older Australians home loans that will leave them in debt until they’re 105

SOPHIE ELSWORTH

NEWS CORP AUSTRALIA

JUNE 13, 2014 11:30PM

FINANCIAL institutions are offering borrowers aged up to 75 home loans leaving them with debts that they will be paying off until they are105.

About 90 per cent of all loans have no age restriction and the 10 per cent that do are restricted to people aged from 65 to 75, new data by comparison website Rate City found.

But experts have warned of the dangers of lending older Australians with huge debts they will be unlikely to ever pay off.

Financial Counselling Australia’s executive director, Fiona Guthrie said there was an increasing number of retirees getting into financial difficulty and taking on mortgages later in life could be disastrous.

“The banks have noticed is that there are more older people post retirement getting into financial difficulty,’’ she said.

“We urge a lot of caution around taking out a mortgage when you are older.

“It might be something they want to discuss with their adult children before they do it but be very caution.”

She also warned the older generations acting as guarantorsfor younger generations who had failed to build up a big enough deposit to takeout a home loan in their own right.

“We see people who have guaranteed loans and it’s gonewrong,’’ Ms Guthrie said.

“We see the after math of when it goes wrong and it’s awful because it tears the family apart.”

Figures show Australian capital city property prices rose by10 per cent in 2013 making it increasingly tough to buy real estate.

New research from the International Monetary Fund this week showed the nation’s house prices were the third highest in the world on a house price to income basis.

RateCity chief executive officer Alex Parsons said despite an ageing population signing up to a home loan later in life could be“dangerous.”

“I know the Australian population is getting older but being able to take out a mortgage at 75 years of age for a 30-year term is really taking it beyond,’’ he said.

“Considering most people’s income at that point willconsistent of superannuation or a pension their ability to pay that back isrelatively limited.’’

In the UK loans are being offered to anyone under the age of70 and can last up to 35 years.

The Australian Bankers’ Association chief executive officer Steven Munchenberg said banks were required to abide by responsible lending laws and ensure they did not provide a mortgage unsuitable for a customer.

“Banks take into account a number of factors when making adecision whether to lend to a potential customer, such as whether a customer isable to service the loan repayments,’’ he said.

“They may inquire about a customer’s age as part of alending decision, but by law they cannot discriminate against a customer merelybecause of their age.

“Given the average Australian can expect to live to justover 80 years, to require banks to ensure a mortgage is paid off before acustomer dies would mean that few people over 50 could get a mortgage to buy ahome.”

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