T*R
发帖数: 36302 | 1 Reverse mortgages are loans that provide supplemental income to seniors 62
and older based on the value of their homes. A reverse mortgage does not
need to be repaid until the homeowner sells the property, moves or passes
away.
But the loans that were intended to help retired homeowners maintain their
lifestyle in their current homes are beginning to cast a dark shadow.
Several disturbing trends have emerged prompting some experts to advise
older homeowners to think twice before considering a reverse mortgage.
5 disturbing trends
Some experts believe that a reverse mortgage should be a last resort. There
are no restrictions on how the money is spent, and the loans have become a
tempting refuge to help borrowers pay off short-term debt. Here are five
disturbing trends in the current reverse mortgage market:
No. 1: Younger borrowers are choosing reverse mortgages. Reverse mortgages
are designed for elderly homeowners to "age is place." Meaning, reverse
mortgage funds are designed to allow older homeowners to remain in their
properties until they pass away or need to move to an assisted-living
facility. The younger you are, the less equity available to aid you through
your retirement years.
Read: 5 costly reverse mortgage mistakes
According to Reverse Market Insight, the average age of reverse mortgage
borrowers went from 76 in 2000 all the way down to 62 in 2011.
"The concern is: what will you have to fall back on when you are in your 70s
, 80s and 90s," says Lori Trawinski, a senior strategic policy adviser at
AARP Public Policy Institute. "People are living much longer than they ever
expected to. There's a belief that people will eventually have to use home
equity to fund their longevity, but at what point is it best to do that?"
No. 2: Borrowers are taking all the money at once. Currently, about 70
percent of reverse mortgages are taken as fixed-rate, lump-sum loans,
according to the Consumer Financial Protection Bureau's report to Congress
in June 2012 . This segment increased by 30 percent between 2007 and 2011.
With reverse mortgage products, the fixed interest on a lump sum is folded
into the loan and compounds over time. Younger borrowers, in particular, may
deplete the value of their home-equity so it may not be available when
needed. Aging seniors are likely to have unforeseen health expenses or may
someday need to move to an assisted-living facility that they will no longer
be able to afford.
Read: Is a reverse mortgage OK for your parents?
No. 3: The largest lenders have left the market. The exit of MetLife, Bank
of America, Wells Fargo and Freedom Financial has allowed smaller lenders to
enter the fray. The CPFB warns that many of these smaller lenders are "not
depository institutions."
"The changing economic and regulatory landscape faced by these small
originators creates new risks for consumers," wrote the CFPB in their report
to Congress.
No. 4: Some spouses are kicked to the curb. Another emerging concern regards
non-borrowing spouses. Currently, some spouses are facing eviction after
having been reportedly pressured to keep their name off the deed to the
property, without being told that they could be left facing foreclosure when
the older spouse died. The AARP Foundation litigation filed a lawsuit last
year, suing HUD on behalf of clients who were non-borrowing spouses.
No. 5: Questionable marketing practices. Aggressive marketing practices and
celebrity endorsements have prompted some to call these tactics into
question. " Some marketing solicitations misleadingly or deceptively pitch
reverse mortgages as 'free money,' or imply that the money comes from the
federal government or that the borrower could never lose their home," wrote
WRNicholsLaw in a recent blog post. "Such deception, when coupled with a
complex product that offers confusing choices, makes it hard for consumers
to evaluate whether the loan fits their needs."
Read more: http://www.nasdaq.com/article/5-disturbing-trends-emerge-in-reverse-mortgage-market-cm198356#ixzz2etwd7Th9 |
b****e
发帖数: 1569 | 2 什么意思
【在 T*R 的大作中提到】
: Reverse mortgages are loans that provide supplemental income to seniors 62
: and older based on the value of their homes. A reverse mortgage does not
: need to be repaid until the homeowner sells the property, moves or passes
: away.
: But the loans that were intended to help retired homeowners maintain their
: lifestyle in their current homes are beginning to cast a dark shadow.
: Several disturbing trends have emerged prompting some experts to advise
: older homeowners to think twice before considering a reverse mortgage.
: 5 disturbing trends
: Some experts believe that a reverse mortgage should be a last resort. There
|
m*****5
发帖数: 23482 | 3 意思就是REVERSE MORTGAGE的POLICY没有经过仔细的数学模型规划，老人要领好多年的
钱，但是房产价值不够填窟窿，房产全拿清了，人还没死，老人有可能被赶出去。不过
呢，要赶人是需要走法律程序的，很可能人都90多了，法律向着老人，没法把人赶走，
这样LENDER就亏钱了，所以对于LENDER来说风险无法掌控，干脆不做了 |
X*******G
发帖数: 14887 | |
g****t
发帖数: 4493 | 5 对。上次就有新闻，有位老太特能活，老不死，银行崩溃。 |
w*********r
发帖数: 42116 | 6 银行赚不到钱，老人得到实惠了。
【在 T*R 的大作中提到】
: Reverse mortgages are loans that provide supplemental income to seniors 62
: and older based on the value of their homes. A reverse mortgage does not
: need to be repaid until the homeowner sells the property, moves or passes
: away.
: But the loans that were intended to help retired homeowners maintain their
: lifestyle in their current homes are beginning to cast a dark shadow.
: Several disturbing trends have emerged prompting some experts to advise
: older homeowners to think twice before considering a reverse mortgage.
: 5 disturbing trends
: Some experts believe that a reverse mortgage should be a last resort. There
|
T*R
发帖数: 36302 | 7 你们到底读了这个没有？
这里面有一个很大问题，本来这个是设计给7，80岁的老人的，分多年支付，
但是，现在很多60出头的就申请，而且是不管代价，不分期，一次拿一笔钱。这个就有
很大风险。
这些人70岁不到钱就花完了，然后你赶他还很麻烦。所以现在大银行都不敢做了。根本
不是活的老的问题， |
w*********r
发帖数: 42116 | 8 一次把钱全拿走，自己花也罢，转给子女也好，反正活着的时候不能被从自己的房子里
赶出去，这绝对有利于老人啊。
按北京，一平米4万，小房子50平米，套现200万，从六十岁活到90岁，三十年，平均一
年有6万6，加上自己的退休金，再考虑到全民医保的发展，我觉得对老人很好。
【在 T*R 的大作中提到】
: 你们到底读了这个没有？
: 这里面有一个很大问题，本来这个是设计给7，80岁的老人的，分多年支付，
: 但是，现在很多60出头的就申请，而且是不管代价，不分期，一次拿一笔钱。这个就有
: 很大风险。
: 这些人70岁不到钱就花完了，然后你赶他还很麻烦。所以现在大银行都不敢做了。根本
: 不是活的老的问题，
|
T*R
发帖数: 36302 | 9 这是美国。
土共第一不会给你一笔钱，政府也拿不出；第二想赶你走太容易了，上城管，上乔四。
有理的都能赶你走，何况没理的。
话再说回来，我们现在在说美国，土共说美国这是成熟的政策，这不是胡扯吗，美国人
搞了没几年，就已经发现很多问题了，大银行都不做了，土共为什么还要借鉴这种脑残
的政策？
何况美国这个R/M根本和政府的养老没任何关系。有没有这个都不影响你从政府拿养老
金/医疗保险。
【在 w*********r 的大作中提到】
: 一次把钱全拿走，自己花也罢，转给子女也好，反正活着的时候不能被从自己的房子里
: 赶出去，这绝对有利于老人啊。
: 按北京，一平米4万，小房子50平米，套现200万，从六十岁活到90岁，三十年，平均一
: 年有6万6，加上自己的退休金，再考虑到全民医保的发展，我觉得对老人很好。
|
O*******d
发帖数: 20343 | 10 就是人还活着，但没钱了。
【在 b****e 的大作中提到】
: 什么意思
|
|
|
m*****5
发帖数: 23482 | 11 还城管呢，城市老人刁民起来来很厉害的，微博造势什么的，一哭二闹三上吊，然后舆
论上会搞的银行很原罪。
估摸着就是一个大家从银行手里拿钱的渠道，最后银行有政府擦屁股
【在 T*R 的大作中提到】
: 这是美国。
: 土共第一不会给你一笔钱，政府也拿不出；第二想赶你走太容易了，上城管，上乔四。
: 有理的都能赶你走，何况没理的。
: 话再说回来，我们现在在说美国，土共说美国这是成熟的政策，这不是胡扯吗，美国人
: 搞了没几年，就已经发现很多问题了，大银行都不做了，土共为什么还要借鉴这种脑残
: 的政策？
: 何况美国这个R/M根本和政府的养老没任何关系。有没有这个都不影响你从政府拿养老
: 金/医疗保险。
|
T*R
发帖数: 36302 | 12 所以南京上海试点不下去了？
【在 m*****5 的大作中提到】
: 还城管呢，城市老人刁民起来来很厉害的，微博造势什么的，一哭二闹三上吊，然后舆
: 论上会搞的银行很原罪。
: 估摸着就是一个大家从银行手里拿钱的渠道，最后银行有政府擦屁股
|
f***r
发帖数: 5548 | 13 这玩艺儿，以前有另一个玩法，
把老人寿险整包买下来，按月小额发给老人，老人短寿就赚大，正常寿命就小赚。。。
这概念8、90年代挺火，包装出的公司还圈了不少钱。。。
可惜，model里寿命参数不对，现在都玩完了。。。 |
m*****5
发帖数: 23482 | 14 听说有对冲基金玩这个，应该和当时CREDIT EXPANSION有关，搞得钱都白拿似得
【在 f***r 的大作中提到】
: 这玩艺儿，以前有另一个玩法，
: 把老人寿险整包买下来，按月小额发给老人，老人短寿就赚大，正常寿命就小赚。。。
: 这概念8、90年代挺火，包装出的公司还圈了不少钱。。。
: 可惜，model里寿命参数不对，现在都玩完了。。。
|
T*R
发帖数: 36302 | 15 中国人寿在NYSE上市的时候，这个是定时炸弹之一，影响上市的主要因素。后来政府补
贴了几百亿，把90年代初中期的脑残保单给兜下了。
【在 f***r 的大作中提到】
: 这玩艺儿，以前有另一个玩法，
: 把老人寿险整包买下来，按月小额发给老人，老人短寿就赚大，正常寿命就小赚。。。
: 这概念8、90年代挺火，包装出的公司还圈了不少钱。。。
: 可惜，model里寿命参数不对，现在都玩完了。。。
|
f***r
发帖数: 5548 | 16 现在也有人玩，大多以老鼠会的形式，上线下线的。。。
有一哥们来拉我，我跟他说，黑木耳补肾，你自己留着吧。。。
【在 m*****5 的大作中提到】
: 听说有对冲基金玩这个，应该和当时CREDIT EXPANSION有关，搞得钱都白拿似得
|
T*R
发帖数: 36302 | 17 如果未来房价下跌，那银行就是给自己找不是。
如果未来房价翻番，那屁民绝对不会心甘情愿把房子交出。
除非是一个很稳定的房市。
这显然不符合中国目前的国情/ |
M*****n
发帖数: 16729 | 18 你们都忘了中国的银行是国家担保的。
银行不会亏， 最后都是国家买单，国家印钱等于就是全体p民买单。 |
