The social and economic effects of introducing reverse mortgages in Chile

This study simulates the social and economic effects of introducing reverse mortgages in Chile. It uses the 2009 Social Protection Survey and recent simulation methodologies to analyse the monetary gain associated with taking out such a loan, which is paid in periodic instalments over the homeowner’...

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Autores principales:	Ruiz, José Luis, Tapia, Pablo, Donoso, José
Formato:	Texto
Lenguaje:	English
Publicado:	2020
Materias:	VIVIENDA FINANCIACION DE LA VIVIENDA HIPOTECAS PENSIONES JUBILACION PRECIOS MODELOS MATEMATICOS ASPECTOS ECONOMICOS ASPECTOS SOCIALES HOUSING HOUSING FINANCE MORTGAGES PENSIONS RETIREMENT PRICES MATHEMATICAL MODELS ECONOMIC ASPECTS SOCIAL ASPECTS
Acceso en línea:	http://hdl.handle.net/11362/45416
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spelling	oai-11362-454162020-09-28T19:20:18Z The social and economic effects of introducing reverse mortgages in Chile Ruiz, José Luis Tapia, Pablo Donoso, José VIVIENDA FINANCIACION DE LA VIVIENDA HIPOTECAS PENSIONES JUBILACION PRECIOS MODELOS MATEMATICOS ASPECTOS ECONOMICOS ASPECTOS SOCIALES HOUSING HOUSING FINANCE MORTGAGES PENSIONS RETIREMENT PRICES MATHEMATICAL MODELS ECONOMIC ASPECTS SOCIAL ASPECTS This study simulates the social and economic effects of introducing reverse mortgages in Chile. It uses the 2009 Social Protection Survey and recent simulation methodologies to analyse the monetary gain associated with taking out such a loan, which is paid in periodic instalments over the homeowner’s lifetime. Eligible individuals are retired homeowners, who account for 70% of the older population. Monies received increase exponentially depending on the age at which the reverse mortgage is taken out. Lastly, the increase in liquidity has significant social potential, as it could reduce the poverty rate in the target group by 15%. 2020-04-17T15:25:03Z 2020-04-17T15:25:03Z 2019-12-19 Texto Sección o Parte de un Documento http://hdl.handle.net/11362/45416 LC/PUB.2019/26-P 10 en CEPAL Review CEPAL Review 129 .pdf application/pdf CHILE CHILE
institution	Cepal
collection	Cepal
language	English
topic	VIVIENDA FINANCIACION DE LA VIVIENDA HIPOTECAS PENSIONES JUBILACION PRECIOS MODELOS MATEMATICOS ASPECTOS ECONOMICOS ASPECTOS SOCIALES HOUSING HOUSING FINANCE MORTGAGES PENSIONS RETIREMENT PRICES MATHEMATICAL MODELS ECONOMIC ASPECTS SOCIAL ASPECTS
spellingShingle	VIVIENDA FINANCIACION DE LA VIVIENDA HIPOTECAS PENSIONES JUBILACION PRECIOS MODELOS MATEMATICOS ASPECTOS ECONOMICOS ASPECTOS SOCIALES HOUSING HOUSING FINANCE MORTGAGES PENSIONS RETIREMENT PRICES MATHEMATICAL MODELS ECONOMIC ASPECTS SOCIAL ASPECTS Ruiz, José Luis Tapia, Pablo Donoso, José The social and economic effects of introducing reverse mortgages in Chile
description	This study simulates the social and economic effects of introducing reverse mortgages in Chile. It uses the 2009 Social Protection Survey and recent simulation methodologies to analyse the monetary gain associated with taking out such a loan, which is paid in periodic instalments over the homeowner’s lifetime. Eligible individuals are retired homeowners, who account for 70% of the older population. Monies received increase exponentially depending on the age at which the reverse mortgage is taken out. Lastly, the increase in liquidity has significant social potential, as it could reduce the poverty rate in the target group by 15%.
format	Texto
author	Ruiz, José Luis Tapia, Pablo Donoso, José
author_facet	Ruiz, José Luis Tapia, Pablo Donoso, José
author_sort	Ruiz, José Luis
title	The social and economic effects of introducing reverse mortgages in Chile
title_short	The social and economic effects of introducing reverse mortgages in Chile
title_full	The social and economic effects of introducing reverse mortgages in Chile
title_fullStr	The social and economic effects of introducing reverse mortgages in Chile
title_full_unstemmed	The social and economic effects of introducing reverse mortgages in Chile
title_sort	social and economic effects of introducing reverse mortgages in chile
publishDate	2020
url	http://hdl.handle.net/11362/45416
work_keys_str_mv	AT ruizjoseluis thesocialandeconomiceffectsofintroducingreversemortgagesinchile AT tapiapablo thesocialandeconomiceffectsofintroducingreversemortgagesinchile AT donosojose thesocialandeconomiceffectsofintroducingreversemortgagesinchile AT ruizjoseluis socialandeconomiceffectsofintroducingreversemortgagesinchile AT tapiapablo socialandeconomiceffectsofintroducingreversemortgagesinchile AT donosojose socialandeconomiceffectsofintroducingreversemortgagesinchile
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The social and economic effects of introducing reverse mortgages in Chile

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