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(一)反向抵押贷款的特征反向抵押贷款(reserve mortgage,简称RM)产生于美国,是建立在房地产相关产品上的金融产品,在过去的二十年中被不断改进并得到了一定应用,在美国2002财政年度已受理了超过13,000例的RM业务。RM使老年人能够通过所拥有的房产进行融资,以满足消费,养老,医疗等方面的需要。它和传统意义上的贷款有着本质的区别,RM合同条款规定“贷款通过出售房产所有者的房产来偿还,只有在房产所有者死亡或者转让(搬离)该房产时,
(I) Features of Reverse Mortgage Loan The reserve mortgage (RM), originated in the United States, is a financial product based on real estate related products that has been continuously improved and used in the past two decades In the United States, more than 13,000 RM operations were accepted in fiscal year 2002. RM enables seniors to finance through their own property to meet consumer, retirement, and medical needs. It is fundamentally different from traditional loans. The terms of the RM contract stipulate that ”a loan be repaid through the sale of the property owner’s property, and only if the property owner dies or is transferred (removed) from the property,