| 摘要 |
<P>PROBLEM TO BE SOLVED: To enable a user to stably secure the living fund for old age over a long period while reducing the risk of a financial institution which provides a commodity. <P>SOLUTION: A bank and an insurance company jointly provide an integrated commodity consisting of a combination of reverse mortgage and life annuity insurance, so that an aged person can receive living funds for a long period. Namely, a user makes an application for reverse mortgage to the bank, and pledges his/her own house. The user also optionally makes an application for life annuity insurance. When the contracts are established, the user gets loans of a fixed amount once per year from the bank until he/she reaches the age of 80. The user receives a pension of a fixed amount once per year from the insurance company after age 80. At the user's death, the real-estate collateral is sold to pay back the loan in full. <P>COPYRIGHT: (C)2007,JPO&INPIT |
