Case Analysis Of Housing Reverse Mortgage Of Happy Life

The phenomenon of population aging in China is becoming more and more serious.The elderly population and old-age dependency ratio are rising year by year,but the pension system is still not perfect.As the basis of the pension system,the basic social endowment insurance is increasing.However,under the huge population base of China,the problem of old-age care not only brings heavy pressure to the country,but also brings a large economic burden to each family.As a result,the new type of pension system for housing reverse mortgages appears in China's financial market.As a supplementary old-age model,the “house-to-house pension” was launched from July 1,2014 to July 31,2018,and then to the country.The implementation effect of the project is not particularly obvious,and the number of underwriting documents is less than 100.Based on the background and significance of the topic,this paper introduces the market environment of housing reverse mortgage loans in China,and describes the development status at home and abroad.In the introduction of the happy Fanglaibao products,in addition to introducing the terms of Happiness Fanglaibao,the product advantages and characteristics and implementation status are introduced in more detail.Through this part of the introduction,you can learn about the happiness of the house.The advantages of reverse mortgage pension insurance itself,the promotion of background advantages and the benefits of product implementation.In the case study,the cross-risk of the project was analyzed,including interest rate risk,longevity risk and house price fluctuation risk.Cross-risk is the factor that must be faced by the project development and greatly affect the operation and the enthusiasm of the operating entity.Based on the analysis of some risks and the analysis of cross-risk prevention,some problems existing in the project and the causes of these problems are found.Among them,the problem of high project cost is described and analyzed in detail.Finally,this paper analyzes the case of the reverse mortgage insurance for happy life housing.When the housing reverse mortgage project is about to be pushed to the whole country from the pilot period in China,some specific suggestions for project implementation are given internally and externally.