English  |  正體中文  |  简体中文  |  Items with full text/Total items : 51510/86705 (59%)
Visitors : 8274558      Online Users : 97
RC Version 7.0 © Powered By DSPACE, MIT. Enhanced by NTU Library & TKU Library IR team.
Scope Tips:
  • please add "double quotation mark" for query phrases to get precise results
  • please goto advance search for comprehansive author search
  • Adv. Search
    HomeLoginUploadHelpAboutAdminister Goto mobile version
    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/32417

    Title: The rudimentary analysis of U.S. reverse mortgages
    Other Titles: 美國反向年金之初探
    Authors: 鳳君儀;Feng, Chun-yi
    Contributors: 淡江大學保險學系保險經營碩士班
    郝充仁;Hao, Chung-jen
    Keywords: 反向年金;美國房屋資產轉換貸款;反向貸款;Reverse Mortgage;HECM;FHA Modernization Act;HUD
    Date: 2008
    Issue Date: 2010-01-11 02:06:41 (UTC+8)
    Abstract: 美國反向年金為一金融商品,目的讓所謂的房產充裕但流動性資產不足的老人,在不搬家的前提下,提用房子的淨值作為財務來源。在美國,反向年金市場已行之有年,但從1989年美國聯邦政府推出實現性質反向年金商品,成效一直不佳。直到1999年,美國公營的房屋資產轉換貸款有大幅度的成長。2003年起,每年都接近倍速成長至今。本文將探討近年來促使反向年金市場快速成長之因素;也將以貸方及借方的角度,探討反向年金所引發的社會問題,和美國政府在立法、政策與監理應有的配套措施。
    Reverse mortgages are a type of home equity loan allowing house-rich, cash-poor American senior borrowers to convert a portion of the equity in their homes into cash while retaining homeownership. The non-taxable reverse mortgage funds, plus any accrued, interest, are due when the borrower dies, sells or no longer uses the home as a primary residence. This paper analyzes the American marketplace for reverse mortgages, including demographic changes, economic factors, innovations, legal and regulatory issues, and consumer expectations concerning the housing market. In 1999, reverse mortgage market experienced a boom, and have grown exponentially ever since. This paper intend to analyse the reasons gave rise to the boom, that includes actual market growth, demographics, financial mindset and increasing costs of retirement.
    The making of this research paper is divided into two main categories: secondary source and interview. By interviewing participants including academic scholars, American bankers, reverse mortgage counselor and lawyer, I intend to get a more thorough understanding about the current reverse mortgage market operation, legal and regulatory conditions, psychological mindset of consumers and investors, and main risk of lenders.
    Appears in Collections:[保險學系暨研究所] 學位論文

    Files in This Item:

    File SizeFormat

    All items in 機構典藏 are protected by copyright, with all rights reserved.

    DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU Library & TKU Library IR teams. Copyright ©   - Feedback