Home Equity Access Scheme - Quarterly Report

The Home Equity Access Scheme (the Scheme) is a voluntary arrangement that allows people of Age Pension age to supplement their retirement income through an Australian Government loan secured against their home or other suitable Australian real estate. Other qualification criteria apply, including residency. Participants can access regular fortnightly payments, capped lump sum advance payments, or both.\r\n \r\nFortnightly loan payments can ‘top up’ any pension payment the person receives to a maximum of 150 per cent of the maximum fortnightly rate of Age Pension. For example, a maximum-rate age pensioner can receive an extra 50 per cent of the pension as a Scheme loan, a non-pensioner can receive the full 150 per cent of the maximum Age Pension rate, and a part pensioner can receive an amount in between. Participants can also access up to two lump sum advances in any 26-fortnight period, to a combined total of no more than 50 per cent of the maximum annual rate of Age Pension. Any lump sum advance will reduce the maximum fortnightly loan amount a participant can receive over the subsequent 26-fortnight period.\r\n \r\nA Scheme loan accrues compound interest. Any amount received under the Scheme, and interest accrued, is attributed as a debt secured against real assets nominated by the participant. Voluntary repayments can be made at any time but are not required. Any outstanding amount is recovered on the sale of the secured real estate (unless rolled over to a new property) or from the person’s estate. A No Negative Equity Guarantee limits the recoverable debt to the equity in the property used to secure the loan.\r\n\r\nFor more information about the Scheme, please visit the Department of Social Services' website at: https://www.dss.gov.au/home-equity-access-scheme房屋净值准入计划（Home Equity Access Scheme，下称本计划）是一项自愿性安排，允许符合年龄养老金（Age Pension）领取年龄的人群，以其自有住房或其他符合要求的澳大利亚不动产作为担保，通过澳大利亚政府提供的贷款补充退休收入。本计划设有其他资格审核标准，其中包括居住要求。参与者可选择获得定期双周付款、带有额度上限的整笔预付款，或同时获取两种形式的资金支持。 双周贷款付款可将受款人已领取的任意养老金补贴补足至最高相当于年龄养老金最高双周发放标准的150%。举例而言，领取全额年龄养老金的受款人可通过本计划获得相当于养老金50%的额外贷款；未领取养老金的受款人可获得全额最高额度150%的双周养老金对应金额；而领取部分养老金的受款人则可获得介于两者之间的额度。此外，参与者在每26个双周周期内最多可申请两次整笔预付款，累计总额不得超过年龄养老金最高年度发放标准的50%。任何整笔预付款均会降低参与者在后续26个双周周期内可获得的最高双周贷款额度。 本计划项下的贷款将计收复利。通过本计划获得的全部款项及累计利息，均将被认定为参与者指定不动产的担保债务。参与者可随时自愿还款，但并无强制还款义务。未清偿的贷款本息将在担保不动产出售时（若未将担保资产转至新不动产则除外），或从借款人的遗产中予以追回。无负资产担保（No Negative Equity Guarantee）将可追回的债务限额限定为担保房产的股权价值。 如需了解本计划的更多信息，请访问澳大利亚社会服务部官网：https://www.dss.gov.au/home-equity-access-scheme