Reverse Mortgage Loan To Build The Real Right Law Studies

Along with Chinese aging population becoming more and more serious, thereverse mortgage loan system gradually comes into people’s view, and attracts moreand more people’s attention. The reverse mortgage system was originated inNetherlands, and shaped in the United States. Now, it’s developing rapidly in Canada,Britain, France and some other countries. The reverse mortgage system not onlycombines housing and pension together, but also gives housing more pension value.In recent years, domestic scholars began to pay more attention to the reversemortgage loan system, and some big cities are trying reverse mortgage similar systems.But after all, the reverse mortgage system is exotic; there are still some conflictsbetween the existing law and reverse mortgage system. So, in order to build our ownreverse mortgage system, we must first resolve these conflicts. For the awareness ofthis issue, this thesis attempts to clarify the concept of reverse mortgage system,introduce the characteristics of reverse mortgage system and resolve domestic legalissues.This article has four parts:The first part, we start with the general theory of reverse mortgage system,explain the basic meaning of reverse mortgage, and analyze the related legalrelationships. The thesis also briefly introduces the running status of reverse mortgagein the United States. Second part, the author wants to analyze the necessary and legalissue of the introducing reverse mortgage system. Third part, we try to build thereverse mortgage system under our existing property law theory from six aspects,which is the core of this thesis. Although the reverse mortgage is biased social securityprosperities, ultimately it is a business of financial institution. The legislation mustconsider all the interests conflicts point involved in, and pay more attention to thebalance of all kinds of interests to realize the maximization of the interests of allparties. In the end, the author proposes several support systems constructionsuggestion for the constructing reverse mortgage system in our country.