| Along with our country entering the aging, the problem of how to provide for the aged is also growing, in order to better solve the pension problem, make the elderly can happiness endowment, will have a full range of pension means, to achieve social pension, family pension, the comprehensive development of individual endowment of three methods for pension and types are relatively abundant endowment the launch of the product is imperative. Retirement with house introduction of housing reverse mortgage loan is aimed to help the elderly who cannot rely on the social pension and family endowment to obtain a new way of individual endowment. It introduced for those who want higher quality mean in later life of the old man got a new way to increase the source of pension.House to the pension system of housing reverse mortgage loan development abroad is quite perfect, also can have a lot of successful experience for our reference. It is the operation mode of the elderly housing property mortgaged to the lending institutions, in the course of his life is still living in house; Lending institutions to evaluate value of their homes; According to the home equity to borrowers pay cash; When borrowers death or move house, lenders will obtain the ownership of the house, in the end the securitization of housing into cash or used to supplement their cash outlay of a financial product. But the housing reverse mortgage loan in our country has just started, need has been regulated in the laws and regulations. Reflection in China to further promote housing mortgage loans have to perfect our country’s laws, so as to make the housing reverse mortgage loan in our country will be successful.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. The main content of this article research Gui: the first chapter mainly discusses the relevant theories of reverse mortgages. The second chapter mainly elaborated the retirement with house housing reverse mortgage loan implementation present situation and the experience at home and abroad. Mainly in the United States, Britain, the two typical countries, for example, summarizes its successful experience and draw lessons from it, at the same time to the housing endowment situation in our country are analyzed. The third chapter discusses the to housing endowment reverse mortgage system in our country faces legal obstacles. The fourth chapter expounds the author to decode the reverse mortgage loan system of several countermeasures, namely the obstacles for the third chapter puts forward the concrete solution Suggestions, to promote the system of the operation of the render to the best of their own. |
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