Research On The Legal Issues Of Housing Reverse Mortgage Pension Insurance

Since the pilot of the Reverse Mortgage Pension Insurance for elderly housing,there has been no breakthrough in practice,and it has been in a cold state.The reason is that,on the one hand,the domestic pension legal environment is not clear and there is no clear legal regulation to protect it;on the other hand,the current Housing Reverse Mortgage Pension Insurance is still facing the lack of housing reverse mortgage rights,subject qualification restrictions,and object Disciplinary obstacles and imperfect regulatory systems are facing severe challenges in practice and application of law.In view of this,it is necessary to carry out research on our country's Housing Reverse Mortgage Pension Insurance,to compare and analyze the operating status and operating mode of the two Housing Reverse Mortgage Insurance products,and to learn from the successful experience of the development of foreign housing reverse mortgage systems,to improve and perfect our country's housing reverse mortgage pension insurance system.Under the "Civil Code" property rights,a housing reverse mortgage should be added,and housing reverse mortgage rights registration rules are established under the current real estate registration system;restrictions on housing reverse mortgage insurance entities are relaxed,reduce the qualification requirements for business entities to apply to expand the scope,adjust the scope of application of insured entities to ensure that more elderly people participate;solve the object barriers of housing reverse mortgage insurance,and clarify the payment of the renewal fees for housing construction land use rights.The parties agreed in the contract to settle it,and it is determined that the object of reverse mortgage of housing can be re-disposed,but if it is rented out separately,the insurance company must agree.At the same time,the government needs to participate in the guarantee and support,improving the legal system of financial supervision,and determining the pre-application consultation mechanism,and providing risk guarantees to escort the development of reverse mortgages.