Hipoteca inversa: impacto del riesgo de longevidad en el caso español

  1. D. Atance 1
  2. A. Debón 2
  3. I. de la Fuente 1
  1. 1 Universidad de Alcalá
    info

    Universidad de Alcalá

    Alcalá de Henares, España

    ROR https://ror.org/04pmn0e78

  2. 2 Universidad Politécnica de Valencia
    info

    Universidad Politécnica de Valencia

    Valencia, España

    ROR https://ror.org/01460j859

Aldizkaria:
Anales del Instituto de Actuarios Españoles

ISSN: 0534-3232

Argitalpen urtea: 2021

Zenbakia: 27

Orrialdeak: 135-159

Mota: Artikulua

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Beste argitalpen batzuk: Anales del Instituto de Actuarios Españoles

Laburpena

The demographic perspective in Spain highlights the need to incorporate new alternatives that allow the sustainability of the welfare state. Clearly, one of the main solutions will be the reverse mortgage, which allows the important real estate savings of the elderly to realese and to procure income complementary to public pensions. This article analyzes, from the point of view of longevity risk, the impact between the use of sex distinct mortality tables or unisex tables, showing he importance of global portfolio management by the bank.

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