Study on Equity Release Schemes in the EU: Project No. MARKT/2007/23/H, Part I: General Report

Estudio sobre productos de liberación de activos en la UE: Proyecto (Comisión Europea, Dirección General Mercado Interior) 2007/23/H, Parte I : Comentario adicional

Detalles Bibliográficos
Autores: Reifner, Udo, Pérez Carrillo, Elena Fátima, Achim, Tiffe, Knobloch, Michael
Tipo de recurso: informe técnico
Fecha de publicación:2009
País:España
Institución:Universidad de León
Repositorio:BULERIA. Repositorio Institucional de la Universidad de León
OAI Identifier:oai:buleria.unileon.es:10612/18296
Acceso en línea:https://hdl.handle.net/10612/18296
Access Level:acceso abierto
Palabra clave:Derecho
Derecho Mercantil
European Union
Equity Release Schemes
Hipotecas inversas
Rentas vitalicias
Pensiones privadas
56 Ciencias Jurídicas y Derecho
5605.03 Derecho Mercantil
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spelling Study on Equity Release Schemes in the EU: Project No. MARKT/2007/23/H, Part I: General ReportReifner, UdoPérez Carrillo, Elena FátimaAchim, TiffeKnobloch, MichaelDerechoDerecho MercantilEuropean UnionEquity Release SchemesHipotecas inversasRentas vitaliciasPensiones privadas56 Ciencias Jurídicas y Derecho5605.03 Derecho MercantilEstudio sobre productos de liberación de activos en la UE: Proyecto (Comisión Europea, Dirección General Mercado Interior) 2007/23/H, Parte I : Comentario adicional[EN] Equity Release Schemes (ERS) transform fixed assets in owner occupied dwellings into liquid assets for private pensions. They thus enable a homeowner to access the wealth accumulated in the form of his or her home, while being able to continue to live in it. An illiquid asset becomes a source of liquidity, mainly for consumption purposes. They can take two different forms: Loan Model ERS, also known as reverse mortgages or lifetime mortgages, provide a loan that will eventually be repaid from the sale proceeds of the property. Sale Model ERS, also known as home reversions, involve an immediate sale of the property but provide for the right to remain in occupation and to use the cash price for income in retirement. The terms of reference of this project, set out in the tender, require a focus on schemes provided as financial services, excluding both private arrangements and arrangements with the primary purpose either of real estate purchase or the provision of care for the elderly. Although the purpose of ERS may be achieved by means of virtually any form of loan, lease or sale (second mortgages, overdraft credit, leases, sale and lease-back or saleand- move arrangements) the research targeted only products that were exclusively designed as ERS.Derecho MercantilFacultad de Derecho2009info:eu-repo/semantics/reporthttps://hdl.handle.net/10612/18296reponame:BULERIA. Repositorio Institucional de la Universidad de Leóninstname:Universidad de LeónInglésinfo:eu-repo/semantics/openAccessoai:buleria.unileon.es:10612/182962026-06-24T12:43:27Z
dc.title.none.fl_str_mv Study on Equity Release Schemes in the EU: Project No. MARKT/2007/23/H, Part I: General Report
title Study on Equity Release Schemes in the EU: Project No. MARKT/2007/23/H, Part I: General Report
spellingShingle Study on Equity Release Schemes in the EU: Project No. MARKT/2007/23/H, Part I: General Report
Reifner, Udo
Derecho
Derecho Mercantil
European Union
Equity Release Schemes
Hipotecas inversas
Rentas vitalicias
Pensiones privadas
56 Ciencias Jurídicas y Derecho
5605.03 Derecho Mercantil
title_short Study on Equity Release Schemes in the EU: Project No. MARKT/2007/23/H, Part I: General Report
title_full Study on Equity Release Schemes in the EU: Project No. MARKT/2007/23/H, Part I: General Report
title_fullStr Study on Equity Release Schemes in the EU: Project No. MARKT/2007/23/H, Part I: General Report
title_full_unstemmed Study on Equity Release Schemes in the EU: Project No. MARKT/2007/23/H, Part I: General Report
title_sort Study on Equity Release Schemes in the EU: Project No. MARKT/2007/23/H, Part I: General Report
dc.creator.none.fl_str_mv Reifner, Udo
Pérez Carrillo, Elena Fátima
Achim, Tiffe
Knobloch, Michael
author Reifner, Udo
author_facet Reifner, Udo
Pérez Carrillo, Elena Fátima
Achim, Tiffe
Knobloch, Michael
author_role author
author2 Pérez Carrillo, Elena Fátima
Achim, Tiffe
Knobloch, Michael
author2_role author
author
author
dc.contributor.none.fl_str_mv Derecho Mercantil
Facultad de Derecho
dc.subject.none.fl_str_mv Derecho
Derecho Mercantil
European Union
Equity Release Schemes
Hipotecas inversas
Rentas vitalicias
Pensiones privadas
56 Ciencias Jurídicas y Derecho
5605.03 Derecho Mercantil
topic Derecho
Derecho Mercantil
European Union
Equity Release Schemes
Hipotecas inversas
Rentas vitalicias
Pensiones privadas
56 Ciencias Jurídicas y Derecho
5605.03 Derecho Mercantil
description Estudio sobre productos de liberación de activos en la UE: Proyecto (Comisión Europea, Dirección General Mercado Interior) 2007/23/H, Parte I : Comentario adicional
publishDate 2009
dc.date.none.fl_str_mv 2009
dc.type.none.fl_str_mv info:eu-repo/semantics/report
format report
dc.identifier.none.fl_str_mv https://hdl.handle.net/10612/18296
url https://hdl.handle.net/10612/18296
dc.language.none.fl_str_mv Inglés
language_invalid_str_mv Inglés
dc.rights.none.fl_str_mv info:eu-repo/semantics/openAccess
eu_rights_str_mv openAccess
dc.source.none.fl_str_mv reponame:BULERIA. Repositorio Institucional de la Universidad de León
instname:Universidad de León
instname_str Universidad de León
reponame_str BULERIA. Repositorio Institucional de la Universidad de León
collection BULERIA. Repositorio Institucional de la Universidad de León
repository.name.fl_str_mv
repository.mail.fl_str_mv
_version_ 1869425707572002816
score 15,300719

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