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Regular version of the site

Article

Обратная ипотека: обзор мировой практики

Столяров Д. Л., Мишина Е. А.

This article focuses on the reverse mortgage as a tool to enhance the well-being of the elderly by providing a way to use owned and occupied real estate to generate income in retirement. We describe the key features and history of the reverse mortgage program in the United States, with a particular focus on the types of mortgages offered, state support for the program, consumer protection and lender regulation. We compare the US experience to that of the other countries with developed reverse mortgage markets, such as the UK, Australia and Canada.