Table 5 Maximum loanable amount for men and women at various ages if insurance income is equal to insurance cost.
Men (Unit: NT$10,000) | ||||||
|---|---|---|---|---|---|---|
Age | Lump-sum loanable amount (BAL(0)) | Rental income | Remaining house value | Premium expense | RM insurance cost | Creditor profit |
60 | 39.462 | 31.772 | 18.284 | 18.554 | 18.554 | 10.483 |
65 | 45.008 | 27.053 | 18.716 | 16.556 | 16.556 | 9.222 |
70 | 50.971 | 22.351 | 18.915 | 14.321 | 14.321 | 7.763 |
75 | 57.068 | 17.941 | 18.807 | 12.010 | 12.010 | 6.183 |
80 | 62.899 | 14.083 | 18.446 | 9.798 | 9.798 | 4.573 |
85 | 68.078 | 10.930 | 17.943 | 7.861 | 7.861 | 3.049 |
90 | 72.349 | 8.604 | 17.352 | 6.338 | 6.338 | 1.695 |
95 | 75.290 | 7.193 | 16.917 | 5.318 | 5.318 | 0.600 |
Women (Unit: NT$10,000) | ||||||
Age | Lump-sum loanable amount | Rental income | Remaining house value | Premium expense | RM insurance cost | Creditor profit |
60 | 35.498 | 36.902 | 16.156 | 20.460 | 20.460 | 11.444 |
65 | 41.092 | 31.620 | 17.014 | 18.472 | 18.472 | 10.273 |
70 | 47.143 | 26.282 | 17.752 | 16.131 | 16.131 | 8.823 |
75 | 53.589 | 21.052 | 18.185 | 13.576 | 13.576 | 7.174 |
80 | 60.110 | 16.304 | 18.179 | 11.010 | 11.010 | 5.408 |
85 | 66.253 | 12.279 | 17.818 | 8.642 | 8.642 | 3.650 |
90 | 71.587 | 9.185 | 17.215 | 6.688 | 6.688 | 2.013 |
95 | 75.936 | 7.078 | 16.380 | 5.276 | 5.276 | 0.606 |
