上世纪90年代后,我国的房地产业有了很大地发展。对于置业者来说,抵押贷款置业实际上是一个负债逐步递减,自有资产逐渐增加的过程,即为正抵押贷款。逆抵押贷款正相反,是一个负债逐步递增,自有资产逐渐减少的过程,主要面对有住房的老年人。因而,尝试使用正抵押与逆抵押贷款的组合应用具有广阔的市场空间。 After the 90s of last century, China’s real estate industry has greatly developed. For home buyers, mortgage home buyers is actually a process of gradual decline in liabilities, the gradual increase in its own assets, that is, the real mortgage loan. Contrarian loans, on the contrary, are a gradual increase in liabilities and a gradual reduction in their own assets, mainly in the face of the elderly with housing. Thus, trying to use a combination of positive and negative mortgage loans has ample market space.