주택연금 보증료 구조 다양화에 관한 연구

Reverse mortgage guarantee fee users pay for the same position if you prefer to receive more monthly payment. Using the model homes early pension benefits guarantee fee of 2% and 0.5% annual guarantee fee Mon total guarantee fee if you pay the same level of suspension of the guarantee fee paid to irrigation and maximum guarantee fee structure that can be principles, such as resin phase were analyzed by using trial and error method. As a result, the initial guarantee fee is high and the 0% guarantee fee Mon irrigation most cases is higher, the initial 2% guarantee fee, month, 0.5%guarantee fee represents the middle value is the amount. In other words, the same guarantee fee structure of the suspension and the initial guarantee fee increases with decreasing Mon guarantee fees received by home users with pension entitlements for the monthly payment was increased. In addition,the more expensive homes initial guarantee fee payments due to the increase of the percentage increase was found that large. Reverse Mortgage through the diversification of product demand is expected to expand.