Three
U.S. pension insurance system, the first is the basic old-age
insurance, the replacement rate is 40%, the so-called replacement rate
is the proportion of pre-retirement income and retirement income; Second
employer plans, most notably enterprises and individuals 401K funded
pension plans, the average replacement rate was 40%; third louis vuitton outlet store
is commercial pension insurance. Regardless of gender and occupation,
as long as 65 years, and accumulated over 10 years to pay social
security taxes, are pensioners. In the United States, "reverse mortgage"
only for a special home equity mortgage loans in the form of the
elderly, in addition to the basic national pension system, a voluntary
choice of the aged.
As
a "non-mainstream" way of pension, because the risk factors and more;
lack of adequate financial knowledge elderly, often encountered fraud;
high cost lending transactions; stringent loan contract terms and other
factors, reverse mortgages are not subject to Older Louis Vuitton Handbags
Americans to be seen. According to statistics, since 1989, the
implementation, as of May 2010, only 49 million participants. According
to the latest report of 15 federal agencies jointly prepared by the
"older Americans 2012" (Older Americans 2012) statistics, in 2010, aged
65 and 40 million Americans. Thus, "to the Housing Endowment"
participants in compliance with reverse mortgage object, only 1% ratio.
In the United States, the most important species is the Louis Vuitton Luggage
reverse mortgage "housing conversion mortgages" (Home Equity Conversion
Mortgage, HECM), which is based on the "National Housing Act of 1987,"
National Housing Act of 1987), authorized by Congress and the Federal
Housing urban Development (HUD) for the elderly was launched in 1987 by
the state to provide risk guarantees reverse mortgages varieties.
In
China, "to the Housing Endowment" project after the death of the
elderly, housing a bank or insurance company to recover the right to
use. In the United States, "Conversion Mortgage Housing" project, after
the death of the elderly, the elderly if the children want Louis Vuitton Wallets
to inherit property, just to pay off the bank or financial institution
to pay back the loan and interest of the elderly. Even so, few people
still apply the "reverse mortgage" program. "Housing Endowment" model
biggest trouble is that fluctuations in house prices is difficult to
predict. In 2008, after the outbreak of the financial crisis in the U.S.
real estate market bubble inflated after years of a recession, mortgage
real estate value has shrunk dramatically, institutions facing
liquidity shortages make reverse mortgage loan business Louis Vuitton Shoes
risks faced increased. Declining number According to statistics, in
2008, the United States participated in the "reverse mortgage loan" to
reach a peak of more than 110,000 after. By 2012, the United States is
just over fifty thousand a year to participate in a "reverse mortgage
loans," the 71 than in 2011 and a lot lower.
More
older people choose to give monthly pensioners receive mode, choosing
instead to get a loan all the way to one-time funds for other
investments. According to the U.S. Consumer Financial Protection Bureau
said in a report on the "reverse mortgage", by the United States for
"reverse mortgage" More than 70% of elderly people choose to get one-off
all loans, then use this money on investment, rather than choose a
monthly pension. Compared to the "Housing Endowment," Older Americans
have more Louis Vuitton Sunglasses
choices. For example, the room rented at low rates of young people,
both earn a living and boredom; moved into a retirement community, a
very caring and attentive to obtain a variety of services and escort
until his death; to beautiful scenery, low cost of living in the country
to start a new life . Go trend is particularly prevalent in Latin
America pension in the last five to 10 years. Panama stipulates that as
long as foreigners can prove the monthly pension more than 1000 U.S.
dollars, you can get permanent residency in Panama, but also in foreign
countries without having to pay taxes earned pensions.
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