On The Rights And Obligations Of China 's Housing Mortgage

Compared with developed countries, China is facing more severe pension crisis. For "4-2-1" family structure in large numbers and empty-nest families, traditional pension in the form of pension can not afford the heavy responsibility of such children rely increasingly unrealistic pension, pension money also encountered many obstacles. To ease foreign pension crisis in the Housing Endowment mode of operation has been successfully carried out for many years, has accumulated a lot of experience, has caused widespread concern of government and society. At present, China Housing Endowment for the study of small reverse mortgage lenders to discuss the lack of relevant aspects of the rights and obligations set forth to achieve lenders to view of this, it is necessary to be discussed from the perspective of a reverse home mortgage lenders.In this paper, comparative analysis and logical analysis of the way, first introduced the meaning of reverse mortgage, and through the United States, Singapore, Japan, the lender explore mode selection and operation, combined with our current situation, define appropriate to our lenders mainly commercial banks, insurance companies assisted mode. Secondly, this paper analyzes the main risk lenders face in carrying out this business, the lender how effectively avoid major risks to achieve mortgage, information and surveillance, obtaining property ownership; lenders should bear the disclosure of information at the same time, not to chase Faso, according to the contract loans, borrowers obligation to respect the right of redemption, as well as breach of contractual obligations shall bear legal responsibility. Through the analysis of the rights and obligations of lenders in order to protect the legitimate interests of both contracts, to encourage financial institutions to actively participate in the development of the business. Finally, to further improve the system put forward suggestions.