高齢者向住宅資産活用制度
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概要
- 論文の詳細を見る
Increase of population of elderly people causes many problems to the ordinary old citizens in community. Financial burdun prevents them from continuing to reside in their own home. To discuss home equity conversion programs which secure life long income to lowincome elderly homeowners is greatly needed to make effective services. Home equity conversion systems in the United States are categolized as follows; [figure] Most of those systems are started by commercial banks, savings and loan associations and brokerage firms. But, because of the soaring interest rates experienced in the 1980's and the large amount of counselling time involved in several programs stopped offering the loan. Federal goverment encouraged wider use of those programs by legislative actions. Recently local governments enacted new home equity programs operated by non-profit organizations. In England, Hambro Provident Assurance Limited gives elderly homeowners a loan which is repayable on death with no capital veparments during their life time. Only one goverment action that would facilitate such plan is capital transfer tax relief. The Musashino Program in Japan, sponsored by the Musashino city government and operated by the quasi-public Musashino Public Welfare Corporation, offers comprehensive health and social services as well as financial assistance to elderly households with the goal of preventing unwanted institutionalization of the elderly. This study indicates that support and administration of home equity conversion programs will be an important function of the government.
- 一般社団法人日本社会福祉学会の論文
- 1986-05-25