| 摘要 |
<p>A financial instrument called a reverse mortgage is provided without any client's risk by a method comprising a step of virtually determining the applied interests, discount rates, and real estate prices at a death time and at a financing time in a simulation and calculating the expectation of the present value on the payer's side from the determined applied interests, discount rates, and real estate prices, a step of calculating an assumed settlement money at a virtual settlement time and calculating the expectation of the present value of the recipient's side by taking the smaller one out of the assumed settlement money and the real estate price, and a step of determining a premium such that the present value of the payer's side is equal to that of the recipient's side.</p> |
