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Valuation of equity release contracts in Czech Republic, Republic of Poland and Slovak Republic
Title Valuation of equity release contracts in Czech Republic, Republic of Poland and Slovak Republic Author info Agnieszka Marciniuk ... [et al.] Author Marciniuk Agnieszka (25%)
Co-authors Zimková Emília 1964- (25%) UMBEF04 - Katedra financií a účtovníctva
Farkašovský Vlastimil 1988- (25%)
Lawson Colin Wiliam 1948- (25%)
Source document Prague Economic Papers. Roč. 29 č. 5 (2020), s. 505-521. - Praha : Vysoká škola ekonomická, 2020 Keywords vlastné imanie obchodné zmluvy ocenenia Headings Geogr. Slovensko Česko Poľsko Language English Country Czech Republic Annotation © 2020, Vysoka Skola Ekonomicka. All rights reserved. An ageing European population and, therefore, a rising dependency ratio of retirees to the working population, strongly suggests that a pension funding gap will be a key social issue in future. Yet many older people have significant real estate assets that they could access using equity release products. They could sell their assets in exchange for lifelong or temporary monthly payments. Equity release products are relatively new to Poland, but are not yet offered by commercial banks in Czechia and Slovakia. This paper estimates the potential benefits of marriage reverse annuity, and reverse mortgage contracts, using the Svensson model function, and empirical property data from selected Czech, Slovak and Polish cities. The results are also compared to the average pension of inhabitants in the selected cities. It is shown that there is substantial scope for boosting retirement income in all the cases considered, though the precise size of the increase depends on factors such as contract buyers’ age and life expectancy, the value of their assets, the payment consequences of a spouse’s death, and contract suppliers’ pricing policies. Public work category ADM No. of Archival Copy 48557 Repercussion category MARCINKIEWICZ, Edyta - CHYBALSKI, Filip. Mass homeownership policy and economic well-being of the elderly : empirical evidence from the Polish household survey. In International journal of sociology and social policy. ISSN 0144-333X, 2022, vol. 42, no. 11-12, pp. 1129-1144.
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