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Alcances sociales y económicos de la implementación de la hipoteca inversa en Chile

Author

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  • Ruiz, José Luis
  • Tapia, Pablo
  • Donoso, José

Abstract

Este estudio simula los alcances sociales y económicos de implementar la hipoteca inversa en Chile. Usando la Encuesta de Protección Social (EPS, 2009) y metodologías de simulación recientes se analiza el aporte monetario que lleva aparejado la contratación de este instrumento, que consiste en un sistema de pagos periódicos de manera vitalicia. Los individuos que podrían acceder a la hipoteca inversa serían aquellos pensionados y propietarios de su vivienda, lo que supone el 70% de la población constituida por personas mayores. El aporte monetario es creciente a tasas que van en aumento en función de la edad en que se contrata la hipoteca inversa. Por último, se señala que el aumento de liquidez tiene un amplio potencial social, pudiendo disminuir un 15% el índice de pobreza en el grupo objetivo

Suggested Citation

  • Ruiz, José Luis & Tapia, Pablo & Donoso, José, 2019. "Alcances sociales y económicos de la implementación de la hipoteca inversa en Chile," Revista CEPAL, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL), December.
  • Handle: RePEc:ecr:col070:45014
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