Many senior citizens who live alone reside in old districts with deteriorating homes, and they can't afford renovations and don't dare to sell and move. These mortgages may thus help to revive older districts, achieving urban renewal.
薛承泰說，由於不少獨居老人的房子都位在老舊社區，卻因無力修繕或不敢變賣遷居而日漸破敗，透過這個機制也能活化老舊社區，甚至還可能達到都市更新的間接目標。