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首页> 外文期刊>European Journal of Housing Policy >Unlocking Housing Equity Through Reverse Mortgages: The Case of Elderly Homeowners in Australia
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Unlocking Housing Equity Through Reverse Mortgages: The Case of Elderly Homeowners in Australia

机译：通过反向抵押贷款释放住房公平性：以澳大利亚的老年房主为例

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This paper investigates the extent to which reverse mortgages can improve the economic well-being of elderly Australian homeowners. Reverse mortgages are designed to enable elderly homeowners to unlock illiquid wealth tied up in their housing equity to generate income. The elderly borrow against the value of their homes. However, no repayments are made until the house is sold or the elderly borrower dies. The findings from this paper indicate that the scope for reverse mortgages to improve economic well-being is considerable in Australia. Elderly homeowners who are likely to receive the largest gains from reverse mortgages are very elderly, single, female and have significant housing equity. However, in areas with slow house price appreciation rates elderly homeowners who enter into reverse mortgages face the risk of being left with little housing equity to draw on when needed or to bequeath to their beneficiaries when they pass away.
机译：本文研究了反向抵押可以在多大程度上改善澳大利亚老年房主的经济状况。反向抵押贷款的目的是使老年房屋所有者能够释放绑在住房资产中的流动性不足的财富，以产生收入。老人借着他们的房屋价值。但是，在房屋出售或年老的借款人去世之前，都不会还款。本文的调查结果表明，在澳大利亚，反向抵押贷款可改善经济状况的范围很大。可能从反向抵押贷款中获得最大收益的老年房主是非常年老的单身女性，拥有大量住房资产。但是，在房价升值速度较慢的地区，从事反向抵押贷款的老年房主面临着缺乏住房净值供其在需要时提取或在其去世后遗赠给受益人的风险。

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