Temat: Reverse annuity contract - 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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Skocz do pozycji: 2.

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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