Study On The Related Legal Issues Of Housing Reverse Mortgage Loan

Housing reverse mortgage loan system has been perfect developed in abroad and has been very successful experienced, a more personalized financial services products. It is mainly for home ownership rights to the elder, with their own houses as collateral, to carry out relevant business of commercial Banks or other financial institutions to mortgage, one-time or get cash from financial institutions or banks on a regular basis in order to meet the needs of daily life, after their death, by a commercial bank or financial institution to obtain the mortgage the ownership of the house.The lack of housing reverse mortgage loan on the legal level because of the system on the implementation of the relevant legal support, in particular the point of passive. To push the further development of China’s housing reverse mortgage loan system, to perfect our country’s relevant legal system, and the ability to safeguard system of housing reverse mortgage loan in practice to reduce resistance. Based on the analysis of housing reverse mortgage loan system, the related legal problems were analyzed, and to provide legal support system of housing reverse mortgage loan.This paper studies the main content:first of all define the concept of the housing reverse mortgage loan system, and analyzes its legal characteristics, through comparing with the traditional housing mortgage loan, the advantage of clear housing reverse mortgage loan. Starting from the pension problems of our country’s actual and combined with national conditions, analyzes the significance and feasibility of implementation of housing reverse mortgage loan. Second to foreign housing reverse mortgage loan operation mechanism and operation process were analyzed, and hope to can make the beneficial reference. Again for the content of the housing reverse mortgage loan contract, the rights and obligations of the parties to provide legal support for when occurrence dispute. Finally through to our country in the process of implementation of housing reverse mortgage loan appears or will appear obstacles and risks, for the construction of housing reverse mortgage loan system from the Angle of law, some Suggestions are put forward.