在不改变住房消费效用下，将住房资产转换成现金，提高老年人的消费水平。

RM release equity in housing to boost elderly consumption but not change the utility of housing consumption.

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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.

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