您必须知道抵押贷款，但你知道反向抵押贷款？
最后介绍了住房反向抵押贷款在国外的实践情况。
Finally, introduce the present situation of the housing reverse mortgage application abroad.
本文就住房反向抵押贷款在我国的推行进行了分析。
This article mainly analyzed the (implementation) of the housing reverse mortgage loan in our country.
接着介绍了住房反向抵押贷款的几种主要理论基础；
Then introduce several major theoretical foundation on the reverse mortgage housing loans;
要符合反向抵押贷款在美国，借款人必须至少62岁。
To qualify for a reverse mortgage in the United States, the borrower must be at least 62 years of age.
最后分析了在我国实行住房反向抵押贷款所面临的特殊障碍。
Finally, explain that the housing reverse mortgages face special obstacles in our country.
本文主要对反向抵押贷款中利率风险的度量及防范进行了研究。
This paper mainly studies the measurement and control of interest rate risk in reverse mortgage.
然后重点讨论了我国住房反向抵押贷款组织模式和产品定价问题。
Then it focuses on discussing the organization mode of reverse mortgage in China and the pricing problem.
但在某些国家(包括美国)，反向抵押贷款，必须是唯一的财产抵押。
But in certain countries (including the United States), a reverse mortgage must be the only mortgage on the property.
在反向抵押贷款，家庭主人不付款和所有感兴趣的是增加了留置权的财产。
In a reverse mortgage, the home owner makes no payments and all interest is added to the lien on the property.
作为避免老龄化危机的有效途径，反向抵押贷款在美国取得了巨大的成功。
Reverse mortgage, which is another effective way to avert the old age crisis, has achieved a great success in America.
期望能为我国在合适时机推出反向抵押贷款提供一些理论支持与操作思路。
This articles target is to provide the academic backguound and operation way for Reverse Mortgages application in china.
有许多优点和缺点，以反向抵押贷款，以及一个完整讨论已超出本文的范围。
There are many pros and cons to reverse mortgages and a complete discussion is beyond the scope of this article.
随着中国房价飙升，孟晓苏开始研究荷兰和美国等国家的反向抵押贷款制度。
As home prices in China soared, Mr. Meng began studying the reverse mortgage systems in countries such as the Netherlands and the United States.
文章分析了在我国实施反向抵押贷款的必要性和可行性，并指出了存在的风险。
This paper not only analyses the necessity and the feasibility for carrying out the reverse mortgage, but also points out its existing risks.
反向抵押贷款是最成功的住房资产转换模式，主要为有住房所有权的老年人设计。
Reverse mortgage (RM) is the most successful product of the home equity conversion (HEC), mainly designed for the elderly people.
本文还对我国开办反向抵押贷款业务中，如何控制房产价值波动风险提出了若干建议。
We also provide recommendations on how to control the risk of fluctuations in the value of the property at last.
本文基于房产价值波动要素对反向抵押贷款产品定价的影响，给予较为全面深入地探讨。
In this paper, we give a comprehensive and in-depth discussion on the impact of fluctuations in the value of the property to the reverse mortgage product pricing.
笔者相信，随着我国住房反向抵押贷款产品的推出，将会催生一个新的金融服务业务和市场。
The author believes in, with our country reverse mortgage product debuting, a new finance service business and marketplace will be born in future.
计算发现，参与反向抵押贷款能有效增加参与人可供支配的收入，提高退休后老人生活质量。
With the calculation, we find that the participation in reverse mortgages can increase disposable income effectively and improve the life quality of the elders after retirement.
本文的主要研究成果就是在随机利率下对反向抵押贷款进行了定价，并且对多生命的情况进行了讨论。
The main results of this study is under stochastic interest rate reverse mortgages were priced, and the situation on many lives were discussed.
尤其是在当今经济形式多样，变数增加，随机利率的条件下，研究反向抵押贷款，具有更为重要的意义。
Especially in today's economy diversified, variable increase in interest rates were studied under the reverse mortgage has more significance.
如果以“反向抵押贷款”用活这笔固定资产，完全可以成为目前我国大部分老年居民建立寿险保障的重要出路。
If a "reverse mortgage" to live this fixed assets can now become our most important security life of older residents of a way out.
定价是反向抵押贷款能否顺利推行的关键，房产价值及因价值波动而引致的风险，是反向抵押贷款产品定价的基本要素之一。
Pricing is the key of implementing the reverse mortgage. Price fluctuations of the property and the risk followed is one of the basic elements of reverse mortgage pricing.
研究发现超过三分之一的被访者有明确的增加收入需要，但是其中只有不到10%的老年人愿意接受住房反向抵押贷款产品。
The result showed that over 1/3 of the respondents hadneeds of income increase, however, only 10% of them were willing to accept reverse mortgage.
等到他们真正退休时，有较多的人需要动用他们的房产，要么进行反向抵押贷款（抵押房子获取收入）要么就换小一点的房子。
When they do retire, more workers should exploit their housing wealth, either via a reverse mortgage (trading equity in their home for an income) or by moving to a smaller place.
由于反向抵押贷款兴起时间不长，并且在中国并没有完全开展开来，本文旨在做一个学术行的讨论，在反向抵押贷款定价上进行一系列的理论研究。
Since the rise of reverse mortgage is not long, and carried out in China is not completely open to, this trip to do an academic discussion of reverse mortgages in a series of pricing theory.
然后，从中国未来二十年的背景出发，根据反向抵押贷款的一笔支付和终生年金支付两种定价模型，分别研究65、75、85岁的老年人可以从中获得的贷款额。
Then, this paper respective studies the 65, 75 and 85 years old people can get how many cash from the RM base on the lump-sum and annuity options model in the next twenty years.
然后，从中国未来二十年的背景出发，根据反向抵押贷款的一笔支付和终生年金支付两种定价模型，分别研究65、75、85岁的老年人可以从中获得的贷款额。
Then, this paper respective studies the 65, 75 and 85 years old people can get how many cash from the RM base on the lump-sum and annuity options model in the next twenty years.
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