International perspectives on homeownership and home equity extraction by senior households
Purpose This paper links the literatures on the life-cycle hypothesis, homeownership, home
equity and pensions. Empirically, the focus is on the EU and USA. The paper aims to explore …
equity and pensions. Empirically, the focus is on the EU and USA. The paper aims to explore …
Is there a demand for reverse mortgages in China? Evidence from two online surveys
Reverse mortgages provide an alternative source of retirement funding by allowing older
homeowners to borrow against their home. However, a recent pilot program of reserve …
homeowners to borrow against their home. However, a recent pilot program of reserve …
[图书][B] The market for reverse mortgages among older Americans
Reverse mortgages have long been viewed with skepticism by some retirees, financial
planners, and financial institutions. Potential concerns are many, including high costs, dicey …
planners, and financial institutions. Potential concerns are many, including high costs, dicey …
Exploring the rise of mortgage borrowing among older Americans
JM Collins, E Hembre, C Urban - Regional Science and Urban Economics, 2020 - Elsevier
Between 1980 and 2015, older households in the US more than tripled the use of home
mortgage debt. Rather than using owned homes as a source of imputed rent, older …
mortgage debt. Rather than using owned homes as a source of imputed rent, older …
The accuracy of senior households' estimates of home values: Application to the reverse mortgage decision
Using a unique data set of more than 14,000 senior homeowners in the United States, this
study compares self‐assessed home values to arm's length contemporaneous appraisals. In …
study compares self‐assessed home values to arm's length contemporaneous appraisals. In …
Unlocking housing wealth for older Americans: Strategies to improve reverse mortgages
Housing wealth is a largely untapped resource that can help older adults supplement their
incomes and buffer financial shocks in retirement. The federally insured reverse mortgage …
incomes and buffer financial shocks in retirement. The federally insured reverse mortgage …
The relationship between reverse mortgage borrowing, domain and life satisfaction
Objectives Reverse mortgages allow adults aged 62 years and older to borrow against the
equity in their homes without incurring monthly loan repayments. This study examines the …
equity in their homes without incurring monthly loan repayments. This study examines the …
The silver tsunami: an enquiry into the financial needs, preferences and behaviours of retirees
Understanding the financial needs and preferences of retirees is critical for retirement
income policy and product design. Today, Australian retirees are accumulating record levels …
income policy and product design. Today, Australian retirees are accumulating record levels …
Enhancing older adult financial decision making through the use of self-evaluation worksheets
NL Denburg, SM Collins, NP Garcia, P Cole - Frontiers in psychology, 2022 - frontiersin.org
Financial products and options are frequently complex and difficult for consumers to
understand, which, alongside positively oriented sales pitches and predatory practices, may …
understand, which, alongside positively oriented sales pitches and predatory practices, may …
The reverse mortgage market in New Zealand: key drivers of loan determination
This paper examines the drivers of loan principals in the reverse mortgage and equity
release market in New Zealand using a hedonic price model (HPM) approach. Our analysis …
release market in New Zealand using a hedonic price model (HPM) approach. Our analysis …