{"id":1840,"date":"2025-02-09T12:24:59","date_gmt":"2025-02-09T12:24:59","guid":{"rendered":"https:\/\/habil.homes\/home\/?page_id=1840"},"modified":"2026-01-03T07:58:17","modified_gmt":"2026-01-03T07:58:17","slug":"faqs-2","status":"publish","type":"page","link":"https:\/\/habil.homes\/home\/faqs-2\/","title":{"rendered":"FAQ&#8217;S"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1840\" class=\"elementor elementor-1840\">\n\t\t\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-071f0e4 elementor-section-full_width ptb-130 elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"071f0e4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-01ee32b\" data-id=\"01ee32b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0cb9801 elementor-widget elementor-widget-Ralo_FAQ_Area\" data-id=\"0cb9801\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"Ralo_FAQ_Area.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n                    <div class=\"faq-area\">\r\n                <div class=\"container mw-1380\">\r\n                    <div class=\"row\">\r\n                                                    <div class=\"col-lg-5\">\r\n                                <div class=\"faq-img\">\r\n                                    <img decoding=\"async\" src=\"https:\/\/habil.homes\/home\/wp-content\/uploads\/2025\/02\/6-3.png\" alt=\"image\">\r\n\r\n                                                                            <a href=\"#\" class=\"read-more\">\r\n                                            Contact With Us                                            <i class=\"flaticon-right-arrow\"><\/i>\r\n                                        <\/a>\r\n                                                                    <\/div>\r\n                            <\/div>\r\n                        \r\n                        <div class=\"col-lg-7\">\r\n                                                            <div class=\"faq-content\">\r\n                                    <h2>Home Equity Conversion FAQs: Everything You Need to Know<\/h2>\r\n                                <\/div>\r\n                            \r\n                            <div class=\"accordion faq\" id=\"accordionExample2\">\r\n                                                                        <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button pt-0\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseOne1\" aria-expanded=\"true\" aria-controls=\"collapseOne1\">\r\n                                                    How does HABiL ensure financial stability for retirees?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapseOne1\" class=\"accordion-collapse collapse show\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>HABIL helps seniors leverage their home equity through structured Home Equity Conversion plans, ensuring a steady monthly income to cover the gap between their investment returns and living expenses without depending on their children or liquidating their investments in FD, MF or Equity Shares they had invested before their retirement. Selling their home and moving to a smaller flat or going for JV can be postponed for several years to take advantage of the appreciation of their property.<\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsetwo2\" aria-expanded=\"false\" aria-controls=\"collapsetwo2\">\r\n                                                    What is meant by a &quot;Home Equity Conversion\u201d or Home Pension payout?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsetwo2\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>Mortgages on self-occupied real estate (a house or an apartment) are used to supplement senior citizens&#039; cash flow streams and meet their moderate financial needs. To put it another way, the borrower receives a monthly income (payout) from the bank leveraging the appreciation of their property. There is no monthly EMIs as the appreciation of the property yields income on a monthly basis.<\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsetwo3\" aria-expanded=\"false\" aria-controls=\"collapsetwo3\">\r\n                                                    How much money do you get from a home equity conversion?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsetwo3\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>Each bank has a different limit to be offered under Home Equity Conversion payouts based on the value of the property, appreciation, age of the property, and the time duration for which the payouts are required. This is not a life-long payouts as the final settlement is done with funds from children or disposal of other assets or converting the HEC into a regular mortgage by the interested children etc. There are several options including JV redevelopment contract with the empaneled builders. The payout is to bridge the gap between current investment yields and the living expenses to ensure that only as much as it is required to be drawn on a flexible basis is drawn to preserve as much equity in the property at the end of the pre-determined number of years. <\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsetwo4\" aria-expanded=\"false\" aria-controls=\"collapsetwo4\">\r\n                                                    At what age can you take a home equity conversion?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsetwo4\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>One of the borrowers should be at least 60years of age and the spouse should be at least 55years of age. This is likely to be revised to 55 years based on the recommendations that we have provided to NHB and NITI Aayog.  Hopefully there will be wider consultations with all stake holders soon.\n                                    <\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsetwo5\" aria-expanded=\"false\" aria-controls=\"collapsetwo5\">\r\n                                                    How does home equity conversion lending work in India?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsetwo5\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>Under a home equity conversion, the borrower receives a monthly payout from the bank in exchange for a mortgage on their primary residence. We are trying to relax this clause so that any property owned by the senior citizen or spouse can be leveraged for Home Pension. Where the primary residence is let out for higher rentals and you are staying at a different apartment elsewhere at a lower rental can also be eligible once our recommendations are considered by the authorities.\n                                    <\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n          \r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-73b0337 elementor-section-full_width pb-130 elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"73b0337\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-22f1ad2\" data-id=\"22f1ad2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2e636cf elementor-widget elementor-widget-Ralo_FAQ_Area\" data-id=\"2e636cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"Ralo_FAQ_Area.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n                    <div class=\"faq-area\">\r\n                <div class=\"container mw-1380\">\r\n                    <div class=\"row\">\r\n                        <div class=\"col-lg-7\">\r\n                            \r\n                            <div class=\"accordion faq ms-0 me-111 mb-4 mb-lg-0\" id=\"accordionExample3\">\r\n                                                                        <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button pt-0\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseTwo1\" aria-expanded=\"true\" aria-controls=\"collapseTwo1\">\r\n                                                    Does a home equity conversion have any consequence on your credit?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapseTwo1\" class=\"accordion-collapse collapse show\" data-bs-parent=\"#accordionExample3\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>No<\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsethree2\" aria-expanded=\"false\" aria-controls=\"collapsethree2\">\r\n                                                    Is money from a home equity conversion taxable?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsethree2\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample3\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>No<\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsethree3\" aria-expanded=\"false\" aria-controls=\"collapsethree3\">\r\n                                                    What credit score is needed for a home equity conversion?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsethree3\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample3\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>Credit score is not a criterion to apply for a home equity conversion loan<\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsethree4\" aria-expanded=\"false\" aria-controls=\"collapsethree4\">\r\n                                                    Can you lose your house with a home equity conversion?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsethree4\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample3\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>You plan how long you would like to receive the payouts under HEC and then take steps to clear the loan as the purpose of leveraging the house property is to get additional income for maintaining your lifestyle. After the loan period is over, the borrower won&#039;t lose their property if they pay their total dues (monthly payouts and cumulative interest) in full. HABiL  provides guidance to the senior citizens to finalize the number of payouts that they would like to receive in such a way that the appreciation covers the cumulative interest. HABiL with several tie-ups with Retirement Homes \/ Old Age Homes provide a glide path to the senior citizen to shift to a Retirement Home or redevelop under JV with a builder who undertakes to settle the HEC dues fully and rework the share in the JV.  You can choose to receive additional free apartments for rental yields or choose an apartment in the retirement home instead that serves the same purpose of rental income as demand for rentals within Retirement Communities is high and yield is much better.<\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsethree5\" aria-expanded=\"false\" aria-controls=\"collapsethree5\">\r\n                                                    Who owns the house in a home equity conversion?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsethree5\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample3\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>Property is owned by borrowers. Nevertheless, senior citizen is required to mortgage the property with the lending institutions (Home Finance Companies, banks or NBFCs) and at the end of the agreed period settle the dues to the institutions with various options explained earlier. <\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                    \r\n                            <\/div>\r\n                        <\/div>\r\n                                                    <div class=\"col-lg-5\">\r\n                                <div class=\"faq-img\">\r\n                                    <img decoding=\"async\" src=\"https:\/\/habil.homes\/home\/wp-content\/uploads\/2025\/02\/1-1.png\" alt=\"image\">\r\n\r\n                                                                    <\/div>\r\n                            <\/div>\r\n                                            <\/div>\r\n                <\/div>\r\n            <\/div>\r\n          \r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-7e6f796 elementor-section-full_width ptb-130 elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"7e6f796\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b7cb833\" data-id=\"b7cb833\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-77c6097 elementor-widget elementor-widget-Ralo_FAQ_Area\" data-id=\"77c6097\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"Ralo_FAQ_Area.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n                    <div class=\"faq-area\">\r\n                <div class=\"container mw-1380\">\r\n                    <div class=\"row\">\r\n                                                    <div class=\"col-lg-5\">\r\n                                <div class=\"faq-img\">\r\n                                    <img decoding=\"async\" src=\"https:\/\/habil.homes\/home\/wp-content\/uploads\/2025\/02\/11.jpg\" alt=\"image\">\r\n\r\n                                                                    <\/div>\r\n                            <\/div>\r\n                        \r\n                        <div class=\"col-lg-7\">\r\n                            \r\n                            <div class=\"accordion faq\" id=\"accordionExample2\">\r\n                                                                        <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button pt-0\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseOne1\" aria-expanded=\"true\" aria-controls=\"collapseOne1\">\r\n                                                    How do you pay back for a home equity conversion?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapseOne1\" class=\"accordion-collapse collapse show\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>This is to be decided upfront as the lender is not the right option to sell the property to recover the loan. Depending on the age, the number of years that HEC payouts to be drawn to be decided so that there is a smooth transition to the Retirement Home chosen based on capital available after appreciation. Children can clear the dues or flip the HEC into regular mortgage or sell or go for JV with the builder who mobilizes funds to clear the dues to take back the document for JV agreement execution. <\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsetwo2\" aria-expanded=\"false\" aria-controls=\"collapsetwo2\">\r\n                                                    What happens at the end of a home equity conversion?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsetwo2\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>The loan will get paid back as per the preference of senior citizen\/ legal heirs as the period of HEC is decided upfront with the expected total amount due including the cumulative interest. If the decision is to redevelop the property under JV, then the builder \/ senior citizen arranges to clear the dues and take back the documents from the lender. The share in JV gets reworked as per the loan amount cleared by the builder and senior citizen temporarily moves to another flat as tenant or through HABiL rents an apartment at their preferred Retirement Home providers partnered with our platform: HABiL. The senior citizens move back to their primary apartment built under the JV agreement. Builder acquires a unit in the Retirement Home which is then let out for rental income. If the property is an apartment, then it is sold to a buyer, and the proceeds go to clear the dues to the lender and balance amount is used to buy a smaller apartment as per choice of the senior citizen and legal heirs.<\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsetwo3\" aria-expanded=\"false\" aria-controls=\"collapsetwo3\">\r\n                                                    Can legal heirs walk away from home equity conversion?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsetwo3\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>Settlement Deed is the starting point to plan for HCE. It can clearly mention that the legal heirs are not interested in being a party to the transaction. Senior citizens can then decide who would inherit the proceeds after his(spouse\u2019s) demise. <\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsetwo4\" aria-expanded=\"false\" aria-controls=\"collapsetwo4\">\r\n                                                    What happens when the owner of a home equity conversion dies?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsetwo4\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>HABiL recommends that the age of the senior citizen at the end of the HEC term is around 75 years and execute agreed glide path for golden years. It may so happen that the senior citizen dies before the end of the original plan under HEC. If the spouse is alive, she can continue to receive reduced payouts under HEC for the original period of the contract if she prefers to continue to live alone. Legal heirs of the deceased borrower can settle the dues and execute the plans as outlined upfront.  HABiL foresees all eventualities and safeguards the interest of the Senior Citizen and his spouse. Several options would be outlined that include disposal and invest the proceeds in safe debt products for lifelong returns through a wealth management partner empaneled within HABiL. The pre-agreed plan in the settlement deed will be followed, and the lender releases the property once the loan amount is settled.\n                                    <\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsetwo5\" aria-expanded=\"false\" aria-controls=\"collapsetwo5\">\r\n                                                    Can a family member take over a home equity conversion?                                                 <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsetwo5\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>Current scenario: No. This is not allowed. This needs to be written in HABiL contract if the family member is the legal heir and inherits the property.<\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsetwo6\" aria-expanded=\"false\" aria-controls=\"collapsetwo6\">\r\n                                                    How long can one draw equity under home equity conversion payouts from a lender?                                                 <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsetwo6\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>The term of the Home Equity Conversion varies across participating institutions and the value of the property appreciation, age of the senior citizen at the time of entry, vintage of the property etc. The recommended tenure is 15 years or when the senior citizen reaches 75 years. The health of the senior citizens is of prime importance, and how long they want to live in their own property comfortably is our focus. If the couple can manage their daily chores and the household work themselves with the support of a house maid or cook, they can continue under HEC. It is preferrable to move into a Retirement Home or Assisted Living option when they can manage the transition. As it is becoming difficult to get reliable domestic help and manage finances in the cities, it must be factored in decision making. <\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsetwo7\" aria-expanded=\"false\" aria-controls=\"collapsetwo7\">\r\n                                                    Do I have to pay interest on payouts under home equity conversion?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsetwo7\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>You do not have to pay interest like the regular Loan Against Property. It is advisable to pay Interest monthly or quarterly as per the options given by the lending institution participating in HABiL. It can be paid at any point in time to reduce the total loan amount to ensure that sufficient equity in the property is available for the Golden Years. Do note that HEC is ideally a supplemental income stream and should not be seen as the major source of income.<\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                            <div class=\"accordion-item\">\r\n                                            <h2 class=\"accordion-header\">\r\n                                                <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapsetwo8\" aria-expanded=\"false\" aria-controls=\"collapsetwo8\">\r\n                                                    I am currently supporting my parents living in their own property. How would Home Equity Conversion benefit me?                                                <\/button>\r\n                                            <\/h2>\r\n                                            <div id=\"collapsetwo8\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample2\">\r\n                                                <div class=\"accordion-body\">\r\n                                                    <p>If you do not plan to live in your parents&#039; home after their demise and that you and your siblings plan to sell the property, then HEC is ideal to reduce your commitment for regular support. HEC can be a supplemental income to take care of the living expenses of your parents, and you can pay interest alone if you prefer. The support from you will be accounted for within HABiL. At the time of moving out of HEC and planning for Golden Years under various options explained earlier, your financial support with notional interest at the same rate charged by the lender can be factored under the family settlement.  The HABiL platform ensures transparency in terms of children\u2019s financial support and keeps track of all contributions received by parents from time to time for ad hoc expenses.<\/p>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                        <\/div>\r\n                                                                                                <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n          \r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Contact With Us Home Equity Conversion FAQs: Everything You Need to Know How does HABiL ensure financial stability for retirees? HABIL helps seniors leverage their home equity through structured Home Equity Conversion plans, ensuring a steady monthly income to cover the gap between their investment returns and living expenses without depending on their children or liquidating their investments in FD, MF or Equity Shares they had invested before their retirement. Selling their home and moving to a smaller flat or going for JV can be postponed for several years to take advantage of the appreciation of their property. What is meant by a &quot;Home Equity Conversion\u201d or Home Pension payout? Mortgages on self-occupied real estate (a house or an apartment) are used to supplement senior citizens&#039; cash flow streams and meet their moderate financial needs. To put it another way, the borrower receives a monthly income (payout) from the bank leveraging the appreciation of their property. There is no monthly EMIs as the appreciation of the property yields income on a monthly basis. How much money do you get from a home equity conversion? Each bank has a different limit to be offered under Home Equity Conversion payouts based on the value of the property, appreciation, age of the property, and the time duration for which the payouts are required. This is not a life-long payouts as the final settlement is done with funds from children or disposal of other assets or converting the HEC into a regular mortgage by the interested children etc. There are several options including JV redevelopment contract with the empaneled builders. The payout is to bridge the gap between current investment yields and the living expenses to ensure that only as much as it is required to be drawn on a flexible basis is drawn to preserve as much equity in the property at the end of the pre-determined number of years. At what age can you take a home equity conversion? One of the borrowers should be at least 60years of age and the spouse should be at least 55years of age. This is likely to be revised to 55 years based on the recommendations that we have provided to NHB and NITI Aayog. Hopefully there will be wider consultations with all stake holders soon. How does home equity conversion lending work in India? Under a home equity conversion, the borrower receives a monthly payout from the bank in exchange for a mortgage on their primary residence. We are trying to relax this clause so that any property owned by the senior citizen or spouse can be leveraged for Home Pension. Where the primary residence is let out for higher rentals and you are staying at a different apartment elsewhere at a lower rental can also be eligible once our recommendations are considered by the authorities. Does a home equity conversion have any consequence on your credit? No Is money from a home equity conversion taxable? No What credit score is needed for a home equity conversion? Credit score is not a criterion to apply for a home equity conversion loan Can you lose your house with a home equity conversion? You plan how long you would like to receive the payouts under HEC and then take steps to clear the loan as the purpose of leveraging the house property is to get additional income for maintaining your lifestyle. After the loan period is over, the borrower won&#039;t lose their property if they pay their total dues (monthly payouts and cumulative interest) in full. HABiL provides guidance to the senior citizens to finalize the number of payouts that they would like to receive in such a way that the appreciation covers the cumulative interest. HABiL with several tie-ups with Retirement Homes \/ Old Age Homes provide a glide path to the senior citizen to shift to a Retirement Home or redevelop under JV with a builder who undertakes to settle the HEC dues fully and rework the share in the JV. You can choose to receive additional free apartments for rental yields or choose an apartment in the retirement home instead that serves the same purpose of rental income as demand for rentals within Retirement Communities is high and yield is much better. Who owns the house in a home equity conversion? Property is owned by borrowers. Nevertheless, senior citizen is required to mortgage the property with the lending institutions (Home Finance Companies, banks or NBFCs) and at the end of the agreed period settle the dues to the institutions with various options explained earlier. How do you pay back for a home equity conversion? This is to be decided upfront as the lender is not the right option to sell the property to recover the loan. Depending on the age, the number of years that HEC payouts to be drawn to be decided so that there is a smooth transition to the Retirement Home chosen based on capital available after appreciation. Children can clear the dues or flip the HEC into regular mortgage or sell or go for JV with the builder who mobilizes funds to clear the dues to take back the document for JV agreement execution. What happens at the end of a home equity conversion? The loan will get paid back as per the preference of senior citizen\/ legal heirs as the period of HEC is decided upfront with the expected total amount due including the cumulative interest. If the decision is to redevelop the property under JV, then the builder \/ senior citizen arranges to clear the dues and take back the documents from the lender. The share in JV gets reworked as per the loan amount cleared by the builder and senior citizen temporarily moves to another flat as tenant or through HABiL rents an apartment at their preferred Retirement Home providers partnered with our platform: HABiL. The senior citizens move back to their primary apartment built under the JV agreement. Builder acquires a unit in the <\/p>\n","protected":false},"author":1,"featured_media":22,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1840","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FAQ&#039;S - HOME PENSION<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/habil.homes\/home\/faqs-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAQ&#039;S - HOME PENSION\" \/>\n<meta property=\"og:description\" content=\"Contact With Us Home Equity Conversion FAQs: Everything You Need to Know How does HABiL ensure financial stability for retirees? HABIL helps seniors leverage their home equity through structured Home Equity Conversion plans, ensuring a steady monthly income to cover the gap between their investment returns and living expenses without depending on their children or liquidating their investments in FD, MF or Equity Shares they had invested before their retirement. Selling their home and moving to a smaller flat or going for JV can be postponed for several years to take advantage of the appreciation of their property. What is meant by a &quot;Home Equity Conversion\u201d or Home Pension payout? Mortgages on self-occupied real estate (a house or an apartment) are used to supplement senior citizens&#039; cash flow streams and meet their moderate financial needs. To put it another way, the borrower receives a monthly income (payout) from the bank leveraging the appreciation of their property. There is no monthly EMIs as the appreciation of the property yields income on a monthly basis. How much money do you get from a home equity conversion? Each bank has a different limit to be offered under Home Equity Conversion payouts based on the value of the property, appreciation, age of the property, and the time duration for which the payouts are required. This is not a life-long payouts as the final settlement is done with funds from children or disposal of other assets or converting the HEC into a regular mortgage by the interested children etc. There are several options including JV redevelopment contract with the empaneled builders. The payout is to bridge the gap between current investment yields and the living expenses to ensure that only as much as it is required to be drawn on a flexible basis is drawn to preserve as much equity in the property at the end of the pre-determined number of years. At what age can you take a home equity conversion? One of the borrowers should be at least 60years of age and the spouse should be at least 55years of age. This is likely to be revised to 55 years based on the recommendations that we have provided to NHB and NITI Aayog. Hopefully there will be wider consultations with all stake holders soon. How does home equity conversion lending work in India? Under a home equity conversion, the borrower receives a monthly payout from the bank in exchange for a mortgage on their primary residence. We are trying to relax this clause so that any property owned by the senior citizen or spouse can be leveraged for Home Pension. Where the primary residence is let out for higher rentals and you are staying at a different apartment elsewhere at a lower rental can also be eligible once our recommendations are considered by the authorities. Does a home equity conversion have any consequence on your credit? No Is money from a home equity conversion taxable? No What credit score is needed for a home equity conversion? Credit score is not a criterion to apply for a home equity conversion loan Can you lose your house with a home equity conversion? You plan how long you would like to receive the payouts under HEC and then take steps to clear the loan as the purpose of leveraging the house property is to get additional income for maintaining your lifestyle. After the loan period is over, the borrower won&#039;t lose their property if they pay their total dues (monthly payouts and cumulative interest) in full. HABiL provides guidance to the senior citizens to finalize the number of payouts that they would like to receive in such a way that the appreciation covers the cumulative interest. HABiL with several tie-ups with Retirement Homes \/ Old Age Homes provide a glide path to the senior citizen to shift to a Retirement Home or redevelop under JV with a builder who undertakes to settle the HEC dues fully and rework the share in the JV. You can choose to receive additional free apartments for rental yields or choose an apartment in the retirement home instead that serves the same purpose of rental income as demand for rentals within Retirement Communities is high and yield is much better. Who owns the house in a home equity conversion? Property is owned by borrowers. Nevertheless, senior citizen is required to mortgage the property with the lending institutions (Home Finance Companies, banks or NBFCs) and at the end of the agreed period settle the dues to the institutions with various options explained earlier. How do you pay back for a home equity conversion? This is to be decided upfront as the lender is not the right option to sell the property to recover the loan. Depending on the age, the number of years that HEC payouts to be drawn to be decided so that there is a smooth transition to the Retirement Home chosen based on capital available after appreciation. Children can clear the dues or flip the HEC into regular mortgage or sell or go for JV with the builder who mobilizes funds to clear the dues to take back the document for JV agreement execution. What happens at the end of a home equity conversion? The loan will get paid back as per the preference of senior citizen\/ legal heirs as the period of HEC is decided upfront with the expected total amount due including the cumulative interest. If the decision is to redevelop the property under JV, then the builder \/ senior citizen arranges to clear the dues and take back the documents from the lender. The share in JV gets reworked as per the loan amount cleared by the builder and senior citizen temporarily moves to another flat as tenant or through HABiL rents an apartment at their preferred Retirement Home providers partnered with our platform: HABiL. The senior citizens move back to their primary apartment built under the JV agreement. Builder acquires a unit in the\" \/>\n<meta property=\"og:url\" content=\"https:\/\/habil.homes\/home\/faqs-2\/\" \/>\n<meta property=\"og:site_name\" content=\"HOME PENSION\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-03T07:58:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/habil.homes\/home\/wp-content\/uploads\/2024\/02\/shape-8.png\" \/>\n\t<meta property=\"og:image:width\" content=\"254\" \/>\n\t<meta property=\"og:image:height\" content=\"123\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/habil.homes\\\/home\\\/faqs-2\\\/\",\"url\":\"https:\\\/\\\/habil.homes\\\/home\\\/faqs-2\\\/\",\"name\":\"FAQ'S - HOME PENSION\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/habil.homes\\\/home\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/habil.homes\\\/home\\\/faqs-2\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/habil.homes\\\/home\\\/faqs-2\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/habil.homes\\\/home\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/shape-8.png\",\"datePublished\":\"2025-02-09T12:24:59+00:00\",\"dateModified\":\"2026-01-03T07:58:17+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/habil.homes\\\/home\\\/faqs-2\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/habil.homes\\\/home\\\/faqs-2\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/habil.homes\\\/home\\\/faqs-2\\\/#primaryimage\",\"url\":\"https:\\\/\\\/habil.homes\\\/home\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/shape-8.png\",\"contentUrl\":\"https:\\\/\\\/habil.homes\\\/home\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/shape-8.png\",\"width\":254,\"height\":123},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/habil.homes\\\/home\\\/faqs-2\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/habil.homes\\\/home\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"FAQ&#8217;S\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/habil.homes\\\/home\\\/#website\",\"url\":\"https:\\\/\\\/habil.homes\\\/home\\\/\",\"name\":\"HOME PENSION\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/habil.homes\\\/home\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"FAQ'S - HOME PENSION","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/habil.homes\/home\/faqs-2\/","og_locale":"en_US","og_type":"article","og_title":"FAQ'S - HOME PENSION","og_description":"Contact With Us Home Equity Conversion FAQs: Everything You Need to Know How does HABiL ensure financial stability for retirees? HABIL helps seniors leverage their home equity through structured Home Equity Conversion plans, ensuring a steady monthly income to cover the gap between their investment returns and living expenses without depending on their children or liquidating their investments in FD, MF or Equity Shares they had invested before their retirement. Selling their home and moving to a smaller flat or going for JV can be postponed for several years to take advantage of the appreciation of their property. What is meant by a &quot;Home Equity Conversion\u201d or Home Pension payout? Mortgages on self-occupied real estate (a house or an apartment) are used to supplement senior citizens&#039; cash flow streams and meet their moderate financial needs. To put it another way, the borrower receives a monthly income (payout) from the bank leveraging the appreciation of their property. There is no monthly EMIs as the appreciation of the property yields income on a monthly basis. How much money do you get from a home equity conversion? Each bank has a different limit to be offered under Home Equity Conversion payouts based on the value of the property, appreciation, age of the property, and the time duration for which the payouts are required. This is not a life-long payouts as the final settlement is done with funds from children or disposal of other assets or converting the HEC into a regular mortgage by the interested children etc. There are several options including JV redevelopment contract with the empaneled builders. The payout is to bridge the gap between current investment yields and the living expenses to ensure that only as much as it is required to be drawn on a flexible basis is drawn to preserve as much equity in the property at the end of the pre-determined number of years. At what age can you take a home equity conversion? One of the borrowers should be at least 60years of age and the spouse should be at least 55years of age. This is likely to be revised to 55 years based on the recommendations that we have provided to NHB and NITI Aayog. Hopefully there will be wider consultations with all stake holders soon. How does home equity conversion lending work in India? Under a home equity conversion, the borrower receives a monthly payout from the bank in exchange for a mortgage on their primary residence. We are trying to relax this clause so that any property owned by the senior citizen or spouse can be leveraged for Home Pension. Where the primary residence is let out for higher rentals and you are staying at a different apartment elsewhere at a lower rental can also be eligible once our recommendations are considered by the authorities. Does a home equity conversion have any consequence on your credit? No Is money from a home equity conversion taxable? No What credit score is needed for a home equity conversion? Credit score is not a criterion to apply for a home equity conversion loan Can you lose your house with a home equity conversion? You plan how long you would like to receive the payouts under HEC and then take steps to clear the loan as the purpose of leveraging the house property is to get additional income for maintaining your lifestyle. After the loan period is over, the borrower won&#039;t lose their property if they pay their total dues (monthly payouts and cumulative interest) in full. HABiL provides guidance to the senior citizens to finalize the number of payouts that they would like to receive in such a way that the appreciation covers the cumulative interest. HABiL with several tie-ups with Retirement Homes \/ Old Age Homes provide a glide path to the senior citizen to shift to a Retirement Home or redevelop under JV with a builder who undertakes to settle the HEC dues fully and rework the share in the JV. You can choose to receive additional free apartments for rental yields or choose an apartment in the retirement home instead that serves the same purpose of rental income as demand for rentals within Retirement Communities is high and yield is much better. Who owns the house in a home equity conversion? Property is owned by borrowers. Nevertheless, senior citizen is required to mortgage the property with the lending institutions (Home Finance Companies, banks or NBFCs) and at the end of the agreed period settle the dues to the institutions with various options explained earlier. How do you pay back for a home equity conversion? This is to be decided upfront as the lender is not the right option to sell the property to recover the loan. Depending on the age, the number of years that HEC payouts to be drawn to be decided so that there is a smooth transition to the Retirement Home chosen based on capital available after appreciation. Children can clear the dues or flip the HEC into regular mortgage or sell or go for JV with the builder who mobilizes funds to clear the dues to take back the document for JV agreement execution. What happens at the end of a home equity conversion? The loan will get paid back as per the preference of senior citizen\/ legal heirs as the period of HEC is decided upfront with the expected total amount due including the cumulative interest. If the decision is to redevelop the property under JV, then the builder \/ senior citizen arranges to clear the dues and take back the documents from the lender. The share in JV gets reworked as per the loan amount cleared by the builder and senior citizen temporarily moves to another flat as tenant or through HABiL rents an apartment at their preferred Retirement Home providers partnered with our platform: HABiL. The senior citizens move back to their primary apartment built under the JV agreement. 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