미국의 역모기지제도와 정책적 시사점 = Study on Reverse Mortgage System in U.S. and it's Political Suggestions

다국어 초록 (Multilingual Abstract)

1. CONTENTS
⑴ RESEARCH OBJECTIVES
This research reported here covers a reverse mortgage used in the U.S. as an alternative loan that is available to old people. Its main function is to provide old people, especially those in financial difficulties, financial security to supplement social security. An advantage of this mortgage is that the borrowers live comfortably their old age, while they continue to own their houses.
The aim of this study is to lay the foundation for the introduction of the reverse mortgage as a policy to be prepared for the aging society in Korea. A series of investigations has been undertaken to characterize the situation and utilization of its public plan and private plan in the U.S. The result of this could offer a useful ground to figure out what would be politically and socially essential to establish a reverse mortgage program in Korea.
(2) RESEARCH METHOD
The situation, problem and effect of a reverse mortgage reported in previous studies in Korea were evaluated and using this evaluation, a political measure for the introduction of a reverse mortgage was discussed. In order to analyze the public plan and the private plan in the U.S. information of a reverse mortgage was collected from the web on the U.S. Department of Housing and Urban Development (HUD) and other web sites, and from books and articles published in the U.S. and Japan, Based on the evaluation of case studies of present situations and risk hedges on the public plan and the private plan of a reverse mortgage in the U.S., political and social aspects arisen from the introduction of the mortgage in Korea were discussed.
(3) RESEARCH RESULTS
The use and risk hedge of the Home Equity Conversion Mortgage (HUD-HECM) and Home Keeper was investigated. The characteristics, statutory requirements, market trends and pros and cons of mortgage products from private financial institutions such as Providential and Transamerica Home First were also analyzed.
2. RESULTS
The reverse mortgage could be a way to share social and financial burdens from the aging society with the government, and could be an available option for old people to be financially independent from their families. With this view in mind, the status and risk hedge of its public plan and private plan in the U.S. was discussed. The political and social aspects caused by its introduction in Korea were also investigated.

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