An Empirical Study on Pension Planning–Taking Housing and Providing for the Aged

• Main Authors: Tzu-Li Tung, 董茲莉
• Other Authors: Ying-Jung Yeh
• Format: Others
• Language: zh-TW
• Published: 2017
• Online Access: http://ndltd.ncl.edu.tw/handle/23jgy5

碩士 === 國立臺灣科技大學 === 企業管理系 === 105 === This study examines the pension sources, average life expectancy, and lower lending rates for retirees in Taiwan. According to the customer’s situation and needs, from the collection of customer information, confirm the demand, assessment, to provide “housing pension” proposal two, that is, “general mortgage financial products” and “reverse mortgage”. The former is the general mortgage funds into the type of monthly ration Wealth management products: by investing rations higher than the commodity loan interest rate so that monthly regular cash flow can repay the monthly payment of the loan and the remaining funds can be retired pension plan; The latter is the latest commercial mortgage business: by housing loan set and the amount of monthly grants so that retirees have monthly living expenses plan. Based on the above two proposals, four examples were presented. Three of them use “general mortgage and wealth management”. One example uses “reverse mortgage”, based on the actual results of each case. The results show that “the general mortgage of wealth management products” through the past results of financial performance and case studies show that the inclusion of various risks, the amount of bond interest deducted the balance of mortgage loans is still the monthly pension source of the results of this study. “Reverse mortgage” is the activation of their own assets to a stable monthly pension source, did not create another income. These two programs to achieve the purpose of preventing pension-based learning outcomes.