REVERSE MORTGAGES: INTERNATIONAL EXPERIENCE OF IMPLEMENTATION AND PROJECTION ON THE RUSSIAN MARKET
УДК: 347.27.01
Abstract
The article discusses such a tool as a reverse mortgage, which can potentially improve the socio-economic living conditions of citizens of retirement age. Taking into account demographic challenges, the authors analyze the international experience of using reverse mortgage programs in countries such as the USA, Great Britain, Germany, France, China and Japan.
The successful implementation of this mechanism requires the legal protection of borrowers, the availability of government support and active public awareness. Based on the above analysis, a reverse mortgage model is proposed for the Russian market, which is aimed at pensioners. It provides for public-private partnerships, legal protection and guarantees for borrowers and heirs, as well as several forms of payments.
The author's approach suggests a comprehensive adaptation of foreign practices, taking into account Russian reality, and focuses on ensuring the socio-economic stability of people of retirement age. The implementation of such a tool can contribute not only to improving the quality of life of the elderly population, but also to the development of mortgage lending in general.
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References
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