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Registration Qualification of Housing Pension Eased to Age 60
기사입력 2009.01.27 19:05:41
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The registration qualification of housing pension (reverse mortgage loan), a loan product where the elders receive life-long monthly pensions with their houses being bought on mortgages, is to be relaxed, while more amount of pensions are to be paid.



The Financial Services Commission (FSC) on January 26 disclosed that it plans to modify an Enforcement Ordinance on National Housing Finance Corporation Act by upcoming March under which the threshold for registration to housing pension is lowered and loan limit on the pension, which decides the value of monthly pension, is expanded.



According to the revised bill, currently under examination, the registration qualification of housing pension is to be eased from the current age over 65 (single house per household) to age over 60.



Meanwhile, the loan limit on housing pension is to be raised from the current upper limit of 300 million won to 500 million won. Once the loan limit is increased, the amount of life-long monthly pensions granted by registers is also expanded. Such move is conveyed to have reflected the fact that the houses subject to housing pension have recently been widened from the market price of below 600 million won to below 900 million won.



A FSC official stated, “A housing pension policy is necessary to be further activated in an attempt to reflect early retirement in accordance to corporate restructuring and a rapidly aging society.”



[Eun-jung Kim / JYJ]


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