Reverse mortgage

Svaki oblik poslovanja sa sobom nosi određeni rizik. Sukladno tome bankarsko poslovanje nije izuzetak. Bankarski sustav je pod utjecajem konstantnih promjena što iziskuje razvoj novih modela i oblika poslovanja koji se prilagođavaju trenutnim potrebama. Svrha rada je upoznavanje s modelom obrnute hipoteke kao financijskim proizvodim koji omogućuje starijem stanovništvu dodatan izvor financiranja. Stanovništvo treće životne dobi suočava se problemom nedostatka tekućih prihoda za podmirenje osnovnih životnih potreba. Zbog niskih mirovina i visoke životne dobi nisu u mogućnosti zadovoljiti stroge kreditne standarde financijskih institucija što dovodi do problema financijske isključenosti. Između ostalog javlja se trend ubrzanog rasta starijeg stanovništva što stvara opterećenje na državne proračune u smislu povećanih izdvajanja za zdravstvenu i socijalnu skrb te mirovine. U radu je analizirana osnovna ideja modela obrnute hipoteke, kako je nastala i koja je razlika obrnute hipoteke u odnosu na tradicionalni oblik hipotekarnog kreditiranja. Detaljno je razrađen model obrnute hipoteke na američkom hipotekarnom tržištu gdje je najrazvijeniji. Uz američko hipotekarno tržište osvrće se i na hipotekarno tržište Velike Britanije i Republike Francuske, odnosno na prisutnost modela obrnute hipoteke u navedenim zemljama. Osim toga daje se osvrt na mogućnost uvođenja modela obrnute hipoteke u Republiku Hrvatsku.Every form of business carries a certain risk. Accordingly, banking is no exception. The banking system is influenced by constant changes, which requires the development of new models and business forms that are being customed to current needs. The purpose of this paper is to get acquainted with the reverse mortgage model as a financial product that enables the older population an additional source of funding. Third age population faces the problem of current income lack in order to meet basic livelihood needs. Because of low pensions and old age they are unable to fullfill the strict credit standards of financial institutions, which consequentially leads to the problem of financial exclusion. Among other things, there is a trend of rapid growth of the older population, which generates expenditures on state budgets in terms of increased allocations for health and social care and pensions. This paper analyzes the basic idea of a reverse mortgage model, its beginnings and the difference between the reverse mortgage and the traditional form of mortgage lending. Also, this paper explores in detail the reverse mortgage model on the US mortgage market and where it is most developed. In the extension to the US mortgage market topic, it describes the UK and French mortgage markets, as well as the presence of a reverse mortgage model in the aforementioned countries. In addition, it gives an overview of the possibility of introducing a reverse mortgage model in the Republic of Croatia