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The new world of reverse mortgages MetLife

机译：大都会人寿的反向抵押贷款新世界

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摘要

Reverse mortgages have changed dramatically, and can now serve a wider variety of borrower needs. Is your bank making the most of this important mortgage option for homeowners age 62 and older? With many older homeowners wanting-or needing-to supplement their retirement income by tapping into home equity, the popularity of reverse mortgages has grown significantly. And today-as a result of game-changing product developments that went into effect in October 2010-it's a new world for reverse mortgages. There are more loan options than ever before, including choices offering greatly reduced up-front costs, which has opened up the marketplace and made reverse mortgages more accessible. For banks striving to provide competitive products and services that benefit their customers, the reverse mort gage need, opportunity and product offerings are advantageous. Traditionally, the standard Home Equity Conversion Mortgage (HECM) has been particularly beneficial to "needs-based" borrowers for whom maximizing proceeds is the primary driver. However, for custom ers who didn't have an immediate need, the relatively high up-front cost often outweighed the benefit.
机译：反向抵押贷款已经发生了巨大变化，现在可以满足更多借款人的需求。您的银行是否在为62岁及以上的房主充分利用这一重要抵押选项？随着许多年长的房主希望或需要通过利用房屋净值来补充退休收入，反向抵押贷款的普及已显着增长。如今，由于改变游戏规则的产品开发已于2010年10月生效，因此这是反向抵押贷款的新世界。贷款选择比以往任何时候都更多，其中包括可以大大降低前期成本的选择，这打开了市场，并使得反向抵押更加容易获得。对于那些努力提供使客户受益的有竞争力的产品和服务的银行来说，反向抵押贷款需求，机会和产品提供是有利的。传统上，标准的房屋净值抵押贷款（HECM）对于“收益为基础”的借款人特别有利，因为借款人将收益最大化作为主要动力。但是，对于没有迫切需求的客户来说，相对较高的前期成本通常超过了收益。

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  • 来源
    《ABA Banking Journal》 |2011年第11期|p.39|共1页
  • 作者

    Michael S. Mooney;

  • 作者单位

    MetLife Home Loans, a division of MetLife Bank, N.A.;

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  • 正文语种 eng
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