The significant impact of individual housing reverse mortgage on early retirements and personal finance is analyzed in detail based on actual cases. Based on the results of this study, this paper may provide some references in reality for those who want to achieve the early retirement by housing reverse mortgage, and also has some meaning of specific pricing and design pattern for housing reverse mortgage products of the banks.%本文通过实际案例，详细分析了个人办理住房反向抵押贷款，在个人提前退休和理财方面的重要影响。基于本文的研究结果，在现实中可以为那些希望通过办理住房反向抵押贷款而实现提前退休的人提供一些参考，同时对于银行在住房反向抵押贷款产品的具体定价和设计模式上也具有一定的借鉴意义。
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