The Pricing Model And Practical Research Of Housing Reverse Mortgage Loan

China is already the most population aging country in the world,and also is one of the fastest growing countries.In the social phenomenon of fast growing in aging is significantly appearing in the low income families in china.Housing reverse mortgage loan is already relatively mature financial tool in some developed countries.It is provides a powerful supplementary method besides the social pension and family endowment.Chinese pension mode can learn from the related patterns of developed countries considering our social development.Reverse mortgage loan is a utilization of the difference of people life cycle and the valuation of housing use cycle,which is maximum the surplus value after the property owner death.Reverse mortgage pricing is the process of determining private loan when applicate the personal credit system.This paper systematically introduces the theoretical concepts of housing reverse mortgage loan,basic characteristics,theoretical basis and research background in Unit States.It is focus on the feasibility analysis of housing reverse mortgage loan in China.And by building a more comprehensive pricing system,this paper is implying to solve the housing reverse mortgage loan pricing provides a reasonable pricing model,to alleviate the severe aging problem provides a solution scheme.