住房反向抵押养老在我国刚刚起步,国外成熟模式及我国香港地区的实践值得借鉴加拿大个性化“倒按揭”加拿大是住房反向抵押即“倒按揭”贷款业务发展比较成功的国家之一。其成功的关键就在于可根据贷款人的不同需求。制订不同的贷款方案,考虑了客户需求与银行利益。在加拿大,超过62岁的老人可将居住房屋抵押给银行,贷款数额为 Housing reverse mortgage pension in our country has just started, the mature model of foreign countries and the practice of Hong Kong, China is worth learning from Canada “inverted mortgage ” Canada is the housing reverse mortgage that “down mortgage ” loan business development more successful countries one. The key to its success lies in the different needs of the lender. Develop different loan programs that take account of customer needs and bank interests. In Canada, more than 62-year-olds can mortgages residential buildings to banks for a loan amount of