As of December last year, there were nearly 1.5082 million mortgage samples nationwide, of which more than 61,600 were for applicants over 65 years old, accounting for about 4.08%. (Photo by reporter Xu Yiping)
[Reporter Xu Yiping/Taipei Report] At the end of last year, there were more than 61,600 housing loan samples for seniors aged 65 and above nationwide, setting a record for the most in 18 years since statistics were collected in 2009.
Zeng Jingde, the project manager of the Xinyi Housing Real Estate Enterprise Research Office, said that there are a lot of mortgage loans for the elderly. On the one hand, the elderly may have needs for funds or home replacement loans. On the other hand, it is not sure whether it is related to the housing-based retirement plan. However, banks are willing to lend and dare to lend. In fact, it also means that they are confident in the risk control of the loaned money, so it should not cause problems.
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According to the latest statistics from the Lianzheng Center, as of December last year, there were nearly 1.5082 million mortgage samples nationwide, of which more than 61,600 were for loan applicants over 65 years old, accounting for about 4.08%. Compared with the same period in 2024, there were nearly 54,700 cases, an increase of 6,900 cases in one year, and an annual increase of more than 12%.
Looking at the statistics on the number of mortgage loans nationwide for those over 65 years old in the past 10 years, in December 2016, the number of samples nationwide was about 19,500, but by the end of December 2025, the number of samples had increased to 61,600, which is equivalent to an increase of 42,100 in 10 years and nearly 3.16 times more in 10 years.
Elderly people with mortgage loans over 10 years nearly 3.16 times
Huang Shuwei, director of Colliers International Real Estate Owner Representative Services Department, said that for high-net-worth individuals, borrowing has gradually extended from a simple financing tool for home purchases to overall asset allocation and wealth inheritance planning. In particular, some families will make financing arrangements through home purchase loans to maintain asset liquidity, and take "outstanding debt" into estate planning considerations on the premise of complying with actual transaction and tax regulations.
However, whether outstanding debts can be deducted from the total amount of the estate must still comply with tax laws and have conclusive proof. The estate tax burden cannot be reduced simply by borrowing money. Especially for new borrowings during old age or serious illness, it is more important for the tax collection agency to check the reasons for the borrowing, the flow of funds and the actual use.
Finally, Huang Shuwei emphasized that with the long-term accumulation of real estate value and the increase in the scale of inheritance tax faced by high-asset families, it has become an important topic in wealth management to allocate assets in advance, use the gift tax exemption to transfer assets year by year, or arrange the use of funds through trusts, long-term care, etc.
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