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The Buildings Of The Elderly As Supplemental Retirement Pensions,El Patrimonio Inmobiliario De Los Mayores Como Complemento Al Sistema De Pensiones

Author

Listed:
  • Guzman Antonio Munoz Fernandez
  • Luna Mª Santos Roldan

Abstract

The Spanish pension system, contributory, public and shared is under severe strain due to a growing aging population that will produce a large elderly population, a smaller pension plan and a significant investment in housing. The authors believe this may create a new social class, with high risk of exclusion, made up of these elderly cash poor but house rich individuals. We present a demographic study of population, cash flow and heritage of this aging population. The work shows tools to turn their real estate into cash.

Suggested Citation

  • Guzman Antonio Munoz Fernandez & Luna Mª Santos Roldan, 2012. "The Buildings Of The Elderly As Supplemental Retirement Pensions,El Patrimonio Inmobiliario De Los Mayores Como Complemento Al Sistema De Pensiones," Revista Internacional Administracion & Finanzas, The Institute for Business and Finance Research, vol. 5(1), pages 17-32.
    • Handle: RePEc:ibf:riafin:v:5:y:2012:i:1:p:17-32
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    More about this item

    Keywords

    Aging of the population; prices of the housing; inverse mortgage;
    All these keywords.

    JEL classification:

    • J11 - Labor and Demographic Economics - - Demographic Economics - - - Demographic Trends, Macroeconomic Effects, and Forecasts
    • J26 - Labor and Demographic Economics - - Demand and Supply of Labor - - - Retirement; Retirement Policies
    • R39 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Real Estate Markets, Spatial Production Analysis, and Firm Location - - - Other

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