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反式抵押贷款是一种以房屋所有权作抵押的贷款。它的特殊性在于贷款人是一些拥有完全房屋产权的老人。该项业务的开展,不仅可以扩大优质信贷规模、提高老人生活水平、扩大内需,还可以为我国正在加快实施的廉租房、经适房制度提供源源不断的房源。反式抵押贷款的尽快展开可以有效缓解社会老龄化带来的种种矛盾,因而能够有效促进创建公平和谐社会,促进我国的社会、经济健康发展。
A trans-type mortgage loan is a loan secured by ownership of a home. Its peculiarity is that the lenders are some of the elders who own full property rights. This business can not only expand the scale of high-quality credit, raise the living standard of the elderly and expand domestic demand, but also provide a steady supply of low-cost housing for our country’s accelerated implementation through a suitable housing system. As soon as possible, the launch of trans-mortgage loans can effectively alleviate the contradictions brought about by the aging of the society, thus effectively promoting the establishment of a fair and harmonious society and promoting the healthy social and economic development of our country.