עבור בני 60 ומעלה, משכנתא לגיל השלישי עשויה להסתמך יותר על שווי הנכס ופחות על שכר, ומאפשרת לשחרר הון שנצבר בדירה לשימושים מגוונים וללא צורך במכירה.
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לפני רכישת דירה חשוב להבין כיצד הבנק מחשב יחס החזר להכנסה. גם אם מתקבל אישור, יש לבחון האם התשלום החודשי ישאיר מרווח בטוח להוצאות שוטפות וחירום.
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