| Summary: | 碩士 === 國立高雄應用科技大學 === 金融資訊研究所 === 102 === The problem of population aging and low birth rate in Taiwan has exerted huge financial pressure on the nation, If the elderly spend their saving, they cannot maintain a subsistence level of life, thus, the Reverse Mortgage (Aging at Home) has been implemented in the US and Japan for many years, Through a Home Equity Conversion Mortgage annuity, upon the concept of "installment payments, once repaid", the value of the home can be used on healthcare, family livelihood, house repairs, domestic tourism, and expenditures to solve the dilemma of cash shortage, Moreover, debtors are not required to pay the loan until they pass away or move, which is when they would transfer ownership of the house to the loaner. Therefore, the elderly can enjoy their retired life at home. In summary, the Reverse Mortgage elevates the retirement income replacement ratio and ensures the economic security of the elderly.
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