Temat: annuity - Katalog OPAC zbiorów

Skocz do pozycji: 1.

Tytuł:: Renta hipoteczna a odwrócony kredyt hipoteczny na rynku polskim
Reverse annuity contract and reverse mortgage on the Polish market
Autorzy:: Marciniuk, Agnieszka
Powiązania:: https://bibliotekanauki.pl/articles/434100.pdf
Data publikacji:: 2014
Wydawca:: Wydawnictwo Uniwersytetu Ekonomicznego we Wrocławiu
Tematy:: reverse annuity contract
reverse mortgage
life annuity
status of the common life
status of the last surviving
Opis:: The reverse annuity contracts and reverse mortgages are different and competitive products, often mistakenly identified with each other. The purpose of the article is to compare the products, present their essence, the method of the calculating of the received benefits value and an overview of the advantages and disadvantages. Moreover, there is included the ability to pay the marriage annuity, when both spouses are alive, and when one of them dies. The subject of the study is the amount of the annuity, when the future lifetimes of married couples are independent. There are considered the different cases of annuity due to the duration and the number of people joining the contract. The tool used to determine the value of benefits are the life and the certain annuities. The fixed interest rate and life tables from 2012 are considered in the calculations.
Źródło:: Śląski Przegląd Statystyczny; 2014, 12(18); 253-272
1644-6739
Pojawia się w:: Śląski Przegląd Statystyczny
Dostawca treści:: Biblioteka Nauki

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Tytuł:: Economic factors in the process of calculation of annuities in bodily injury compensation claims under liability insurance
Autorzy:: Jędrzychowska, Anna
Kwiecień, Ilona
Powiązania:: https://bibliotekanauki.pl/articles/947581.pdf
Data publikacji:: 2020
Wydawca:: Wydawnictwo Uniwersytetu Ekonomicznego we Wrocławiu
Tematy:: annuity
compensation
personal damage
time value of money
Opis:: The article constitutes a legal and economic discussion of the economic factors which may and should be taken into account while calculating the benefits compensating the loss of income of the injured and of their families in case of death. The analyzed benefits are an important element of compensation of economic loss in personal injury cases where the compensation is the duty of the perpetrator (or the entity responsible for him/her) within the system based on tort liability. In light of the ubiquitous nature of TPL insurance, the payer is usually the insurance company liable under the granted guarantee. The scope of such cover results from the contract and/or legal acts. The subject calculation was based on an actuarial annuity which also takes into account the likelihood of the claimant and his/ her relatives living until the subsequent periodical payments. The applied calculation is of an illustrative nature with regard to the considerations of the relevant economic assumptions made at the time of loss calculation. The discussion carried out in the article concerns the size and value of the economic factors that can be used in this model.
Źródło:: Financial Sciences. Nauki o Finansach; 2019, 24, 1; 25-38
2080-5993
2449-9811
Pojawia się w:: Financial Sciences. Nauki o Finansach
Dostawca treści:: Biblioteka Nauki

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Skocz do pozycji: 3.

Tytuł:: Analiza porównawcza hipotecznych rent małżeńskich w krajach Unii Europejskiej
Comparative analysis of marriage reverse annuity contracts in the countries of the European Union
Autorzy:: Dębicka, Joanna
Marciniuk, Agnieszka
Powiązania:: https://bibliotekanauki.pl/articles/434016.pdf
Data publikacji:: 2015
Wydawca:: Wydawnictwo Uniwersytetu Ekonomicznego we Wrocławiu
Tematy:: marriage reverse annuity contract
status of the common life
status of the last surviving
multiple state model
Opis:: People live longer. Social insurance pensions are low and may be insufficient to survive with dignity. Therefore, new products appear on the market, which creates a possibility of obtaining additional financial resources. One of such products is called a reverse annuity contract. When the property owners are couples, an important issue is enabling the marriage reverse annuity contract when both spouses are alive, and then when one of them dies. The aim of this article is a comparative analysis of the amount of the marriage reverse annuity contract benefits in the countries of the European Union. In particular to determine the range of the size of annuity payments. For analysis of the amount of annuity benefits, countries in which the expected future life expectancy of men and women were the shortest and the longest a fixed age group of spouses was selected. In addition, the amount of annuities was analyzed in the countries where the absolute difference between the duration of the life of the spouses is the smallest and the largest. Poland is the country in which the expected future life expectancy of women and men, and the difference between these values is typical. Therefore, Poland was included in the analysis. In order to simplify the calculations, the matrix representation of formulas for annuity benefits is used. The analysis is based on Life Tables from the year 2009. All calculations were made using own interfaces written in MATLAB.
Źródło:: Śląski Przegląd Statystyczny; 2015, 13 (19); 89-110
1644-6739
Pojawia się w:: Śląski Przegląd Statystyczny
Dostawca treści:: Biblioteka Nauki

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