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Making use of home equity : the potential of housing wealth to enhance retirement security

Bravo, Jorge Miguel Ventura; Ayuso, Mercedes; Holzmann, … - 2019

amount of home equity that is expected to be released over a 10-year period through regular monthly mortgage payments. We …

Persistent link: https://www.econbiz.de/10012120692

Reverse mortgage participation in the United States : evidence from a national study

Chatterjee, Swarn - In: International Journal of Financial Studies : open … 4 (2016) 1, pp. 1-10

elderly homeowners' decision to obtain reverse mortgage loans. The findings of this study suggest that very few homeowners … participated in the reverse mortgage market, and homeowners younger than 67 were less likely to have reverse mortgage loans … reverse mortgage loans. Further analyses reveal that among the reverse mortgage participants, homeowners with long-term care …

Persistent link: https://www.econbiz.de/10011474457

Retire on the House : The Possible Use of Reverse Mortgages to Enhance Retirement Security

Warshawsky, Mark J. - 2020

This paper focuses on the use of reverse mortgages or home equity conversion mortgages (HECMs) to enhance retirement security. If present trends continue, many American households working today will face a significant retirement funding gap, and this study asks whether reverse mortgages can be...

Persistent link: https://www.econbiz.de/10012854115

Consideration of Retirement Income Stages in Planning for Retirement

Kim, Kyoung Tae - 2015

Previous retirement adequacy studies have ignored expected retirement income stages. Ignoring retirement income stages results in biased estimations of retirement adequacy. This study analyzes retirement income stage theoretically and then empirically. Based on the 1995 to 2007 Survey of...

Persistent link: https://www.econbiz.de/10013033957

The Wealth Decumulation Behavior of the Retired Elderly in Japan : The Relative Importance of Precautionary Saving and Bequest Motives

Niimi, Yoko - 2018

This paper analyzes the determinants of the wealth decumulation behavior of the retired elderly in Japan using unique information from two household surveys, and by so doing, attempts to assess the relative importance of precautionary saving and bequest motives in explaining the lower than...

Persistent link: https://www.econbiz.de/10012909332

Pensions and housing wealth : quantitative data on market conditions for equity release schemes in the EU

Hennecke, Peter; Murro, Pierluigi; Neuberger, Doris; … - 2016

This paper examines the available data on market conditions for equity release schemes (ERS) in all EU member states to cluster Member States for subsequent extrapolation of the findings from six EU Member States (DE, IT, NL, IE, HU, and the UK) to the EU as a whole. It aggregates various...

Persistent link: https://www.econbiz.de/10011497823

Pensions and housing wealth : quantitative data on market conditions for equity release schemes in the EU

Hennecke, Peter; Murro, Pierluigi; Neuberger, Doris; … - 2017 - Revised version October 2017

measured by property and mortgage market indicators. Comparing overall need and feasibility index values we find that market …

Persistent link: https://www.econbiz.de/10011732626

The reverse mortgage : an opportunity to supplement pension benefits in Poland?

Rutkowska-Tomaszewska, Edyta - In: Economic and environmental studies : a journal for … 15 (2015) 1, pp. 43-59

The article presents an outline of the principles for granting reverse mortgage loans by banks and other credit … is not to offer a detailed analysis and assessment of the solutions adopted in the new Reverse Mortgage Act, but rather … lifetime annuities, which can in practice distort and subvert the purposes for which the Reverse Mortgage Act was adopted …

Persistent link: https://www.econbiz.de/10011860294

An analytical study on the potential investors' perceptions towards reverse mortgage loan in Navi Mumbai region of Maharashtra state

Nagar, Amee; Mahesh, N.; Dave, Krishna Kant - In: International journal of Indian culture and business … 25 (2022) 3, pp. 283-300

Persistent link: https://www.econbiz.de/10013255902

Unlocking Housing Wealth for Older Americans : Strategies to Improve Reverse Mortgages

Moulton, Stephanie; Haurin, Donald R. - 2021

shocks in retirement. The federally insured reverse mortgage offers adults age 62 and older access to home equity with no … older holding a reverse mortgage. In this paper, we review barriers to borrowing from home equity, including an estimate of … the size of the population who may be unable to borrow due to an inability to afford monthly mortgage payments. We …

Persistent link: https://www.econbiz.de/10013239670