| Summary: | 碩士 === 正修科技大學 === 金融管理研究所 === 102 === In the trend of enhance of technology and medical, the mortality rategrows lower and lower and means there are more and more old people in the society, changing the structure of society and cause aging society. However, it also brings more and more trouble, when a man is old, he cannot work so much, and faces a situation-retire.
Reverse mortgage has been implemented oversea so many years to solve retiring problems. Unlike traditional mortgage, applicants can keep the right of leaving in the houseswhich were guarantied to the banks. The banks pay the money to applicants by term, and line of credit. Translating the low mobility asset to high mobility cash just can help retired people to solve the situation of shortage of pension.
In this study, the use of questionnaires focused on the percentage distribution of Taiwan demographicssample and financial conditions in subjective and objective views for reverse mortgage application wishes, and to realize the opinion of being retired and retired people.
The results of the study found that in the situation of the real property located in the middle Taiwan,families with children, educated to university, no non-owner-occupied housing,have an idea of retirement planning but did not actually, lack of preparation and pensions, no financial pressure and reverse mortgage does not affect their willingness to retire, Taiwanese are more apparent willingness to bid for a reverse mortgage, and education at the university, and the value of financial assets at 3,000,000 (inclusive), and you want the retirement age at 56-60 years of age, willingness to bid higher than the reverse mortgage. Reverse mortgage and willingness to show a significant negative correlation with age, and the value of financial assets showed a significant positive correlation. Willingness to apply for a reverse mortgage lenders, most prefer to use a monthly payment recipients accounted for 63.4% of the total. And are willing to bid for a reverse mortgage lender, and tend to choose to retire at 56-60.
|
|---|
