反向房屋抵押貸款之應用-台灣實證分析
| Autor: | 林志銘, Lin, Alex C. M. |
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| Druh dokumentu: | Text |
| Popis: | 過去國外的實證研究結果指出，反向房屋抵押貸款確實可為老年屋主帶來顯著的所得提高效果，而本文主要探討台灣地區擁有自用住宅單身老人的生活型態，並藉由對房價的估計值，計算出老年屋主若利用反向房屋抵押貸款商品後預估可獲得的所得水準，以衡量反向房屋抵押貸款能為台灣的退休屋主帶來多少經濟上的挹注。研究結果顯示，反向房屋抵押貸款對獨居的老年屋主之所得替代率，平均提升效果約為40%至140%，確實能有效改善擁有自用住宅的老年人在退休期間的財務狀況。進一步比較不同世代，結果發現對40年代出生的退休屋主而言，藉由反向房屋抵押貸款來提升退休後的所得，其效果較其他世代的屋主更為顯著。 The results of past empirical research indicate that the reverse mortgage can indeed bring a significant increase in income for elderly homeowners. This study mainly explored the lifestyle of the single elderly in Taiwan who had the house for own use, and used the estimates of house prices to calculate the estimated income level that the elderly homeowners would be at when they had purchased reverse mortgage products to measure how much economic benefit that the reverse mortgage could bring for the retired homeowners in Taiwan. The research results showed that the reverse mortgage had increased the income-replacement ratio by 40-140% averagely for the elderly homeowners living alone, effectively improving the financial situation of the elderly that had the house for own use during their retirement years. Further, the different generations were also compared, and the results found that using the reverse mortgage to increase the income at retirement showed a better effectiveness on those retired homeowners born in the 1940s than the homeowners of other generations. |
| Databáze: | Networked Digital Library of Theses & Dissertations |
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