February 27th, 2009

Reverse Mortgage-杂谈逆按揭

Category: Diary, 博言, 网络, Author: 阿七, Popularity: 5% [?]

Reverse Mortgage-杂谈逆按揭

 

         American economic crisis broke out, then there are found a lot of economic problems.

        I don’t want to discuss the reasons for the economic crisis happened. Here I’m writing just want to talk about self-protection problem at the economic crisis.

        The recent news, Obama President of the United States announced in 2010 Budget outline of the United States economy is expected to shrink 1.2 percent this year, 3.2 percent growth in 2010. Obama Budget is also expected in 2009 the average unemployment rate was 8.1%.

         How can we do? Some people say that,Increase people’s income; ensure that the economic life of low-income people will not deteriorate; adjust benefits society must adhere to the principle of effectiveness.
          In addition to that of a problem: the reverse mortgage. Reverse mortgage, also named lifetime mortgages, is a way of loan to the old man. In simple terms, reverse mortgage with the bank thinking just the opposite.

             United States has a large number man of “house rich, cash poor” . Old people can put their house to bank, insurance company or other financial institution, which has access to a certain amount per month pension. In this way, to rely on real estate, old people can get a stable pension income to make up for the inadequacy of the pension.

          TodaysSeniors.com is a smart site about Reverse Mortgage, you can read more about medicare supplemental insurance .

          美国经济危机爆发,然后抱出来很多经济上的问题。

          暂且不讨论经济危机发生的原因,说也阿七说不明白。在这里写这篇与阿七涂画主题不相关的问题,主要是探讨下经济危机当前的自保问题。

         最近的消息,美国总统奥巴马公布2010财政年度预算案大纲,预计美国经济今年收缩1.2%,2010年增长3.2%。奥巴马预算案还预计2009年平均失业率为8.1%。

          怎么做?有评论说,增加居民收入;保证低收入人群的经济生活不致变坏;社会利益调整必须坚持效益优先原则。

         另外就的说到一个问题:逆按揭。逆按揭,又称终身抵押,是国外比较多的一种提供给老人的贷款。 简单地说,住房逆按揭与银行住房按揭的思路恰恰相反。

          在大量“房子富翁,现金穷人”的美国最为盛行。老人可以把自己名下的房产抵押给银行、保险公司或是其它的金融机构,由此每月都可以获得一定数额的养老金,等老人过世之后由金融机构收回房屋的产权。这样,依靠房产,老人们就可以得到一笔稳定的养老收入,以弥补养老金的不足。

什么?上面的文章不过瘾?我还特意准备了这些:

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3 Comments so far

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  1. Gravatar Icon HK Says:

    希望经济能得到好转吧

    Beach回复:
    不会太快恢复…

  2. Gravatar Icon skuara Says:

    ha it is said that there will be a second economy crisis..

    best wishes …to all of people in the world.

    Beach回复:
    嗯,现在已经是第3,4次了!

  3. Gravatar Icon 林晨 Says:

    穷人依旧是穷人,无奈

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