Hipoteca Inversa: impacto del riesgo de longevidad en el caso español

D. Atance; A. Debón; I. de la Fuente

doi:10.26360/2021_6

Autores/as

D. Atance Universidad de Alcalá (España)
A. Debón Universidad Politécnica de Valencia (España)
I. de la Fuente Universidad de Alcalá (España)

DOI:

https://doi.org/10.26360/2021_6

Palabras clave:

Hipoteca Inversa, pago único, modelización y predicción de la mortalidad, igualdad de género, riesgo de longevidad

Resumen

La perspectiva demográfica en España pone de manifiesto la necesidad de incorporar nuevas alternativas que permitan la sostenibilidad del estado de bienestar. Claramente, una de las principales soluciones será la hipoteca inversa, que permite hacer líquido el importante ahorro inmobiliario de los mayores y, así, procurar ingresos complementarios a las pensiones públicas. El presente artículo analiza, desde el punto de vista del riesgo de longevidad, el impacto entre la utilización de tablas de mortalidad diferenciadas o tablas conjuntas, poniéndose de manifiesto la importancia de la gestión global de la cartera por parte de la entidad financiera.

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