해외 역모기지 사례분석을 통한 주택연금 활성화 방안

Fifteen years after the implementation of the housing pension system introduced as a public reverse mortgage in Korea in July 2007, the housing pension market has indeed achieved great quantitative growth. However, it is largely an obstacle to market revitalization due to problems in terms of accounting model, merchantability, fund soundness, and service. Accordingly, this researcher presented a plan to revitalize the domestic housing pension market by investigating the cases of reverse mortgage markets in the United States, the United Kingdom, Hong Kong, and Japan. In order to improve the housing pension accounting model, it was proposed to refine the product type of the housing pension and improve the criteria for calculating monthly payments. In addition, in terms of housing pension marketability, it was proposed to significantly ease the regulation on selling one house within three years and ease the standard of housing prices of preferential housing pensions for two homeowners whose official price exceeds 900 million won. In terms of the soundness of the housing pension fund, it was proposed to issue housing pension-based liquidated securities, and finally, in terms of service expansion, it was proposed to provide specialized welfare services for the elderly subject to the housing pension.