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反向抵押贷款在我国又称为倒按揭,在最近几年成为学者们讨论的热门话题。反向抵押贷款是在人口老龄化的背景下推行的,国外(以美国为代表)推行的反向抵押贷款为社会养老起到了积极的作用,为我国提供了可供借鉴的经验。我国的老龄化问题的严峻为反向抵押贷款的推行提供了基本条件,但是由于我国经验不足,国情特殊使得反向抵押贷款的推行困难重重。文章将从反向抵押贷款基础知识和老年人使用反向抵押贷款的成本方面作些探讨,希望能对反向抵押贷款的理论研究起到促进作用。
Reverse mortgage loans, also known as reverse mortgages in our country, have become hot topics for scholars in recent years. Reverse mortgage loans are implemented in the context of an aging population. The reverse mortgage loans launched by foreign countries (represented by the United States) have played an active role in providing social support for the aged and provided our country with experiences to learn from. The serious problem of aging in our country provides the basic conditions for the implementation of reverse mortgage loans. However, because of our lack of experience, the implementation of reverse mortgage loans is very difficult due to the special national conditions. The article will discuss the basic knowledge of reverse mortgage loan and the cost of reverse mortgage loan for the elderly, hoping to promote the theoretical research of reverse mortgage loan.