住房反向抵押,又称为倒按揭,因与传统的住房抵押方式相反而得名。因其以老年人为主要消费对象,故有银发模式之称谓。在美国,住房反向抵押已经被证明是一种成熟的消费模式。在我国开展住房反向抵押业务,既有强烈的现实诉求,又有充分的现实可能性。 Reverse housing, also known as reverse mortgage, is named after the opposite of the traditional way of home-based mortgages. Because of its elderly as the main consumer object, it has silver hair mode of the title. In the United States, reverse home mortgages have proven to be a mature mode of consumption. In our country to carry out reverse mortgage housing business, both a strong demand for reality, but also full of realistic possibility.