然而，金融顾问在推荐反抵押贷款前常常持怀疑态度。
However, financial advisers often hesitate before recommending reverse mortgages.
因此参加反抵押贷款的老年人年龄应控制在65岁以上。
So the age of eligible elders should be at least 65 years old.
反抵押贷款最早起源于美国，最近几年在全世界得到了飞速发展，引起了越来越多人的关注。
Reverse mortgage originated from USA, and is developed fast in recent years, absorbing more people's attention.
反抵押贷款作为一种新型的金融工具，主要作用在于将不动产转化为流动资产，从而改善老年人的生活质量。
Reverse mortgage is a new type of financial tool, it focuses on converting illiquid asset in to liquid asset and improving the elders' life quality.
本文通过分析中房上海住宅价格指数的历史数据，结合市场的特征，衡量了反抵押贷款目前情况下从事反抵押贷款，不同期限、不同贷款价值比例、不同住房类型的损失概率。
This paper analyzed the historic data of CREIS, measure the loss probability of different term, different loan-to-value ration, different house type according to the past Chinese house price trend.
2004年以来，联邦保险的反抵押住房贷款笔数已经增加了2倍多，去年达到了114,692笔之多。 它们最大的缺点是：交易费用极高。
Since 2004 the number of federally insured reverse mortgages has more than tripled, to 114,692 last year.
2004年以来，联邦保险的反抵押住房贷款笔数已经增加了2倍多，去年达到了114,692笔之多。 它们最大的缺点是：交易费用极高。
Since 2004 the number of federally insured reverse mortgages has more than tripled, to 114,692 last year.
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