Under that system, a 65-year-old in Taiwan today with a home valued at NT $ 5 million could take out a mortgage of NT $ 3 million (60 %). With interest calculated at roughly 2 %, after subtracting application and appraisal fees, taking into account compounded interest, and based on Taiwan's average life expectancy of 79, the home owner would be able to reap about NT $ 20,000 a month.
若換算成台灣現況，一名 65 歲的老人，擁有市價 500 萬元的房子，以貸款成數 6 成、總額 300 萬元、年利率 2 % 粗估，扣除開辦費、鑑價費、服務費等費用，再以台灣平均餘命 79 歲來計算，加上「時間複利」的因素，老人每月約可領取 2 萬元。