Abstract
Reverse Mortgage is a financial instrument which is watched with interest for inflection method of assets on aging society in the future. But the requirement of Reverse Mortgage which commercialized by trust bank is on the decrease, because the risk has become to clearly by the bubble collapse and evaluation value of coverage. In this paper, we would like to propose a new type of Reverse Mortgage. In this type financial institutions bears all contained risks, and customers pays insurance expense as collateral of guarantee with reviewing current scheme of Reverse Mortgage. We construct an evaluation model of new type of Reverse Mortgage.
