Výsledky vyhľadávania
Názov Valuation of equity release contracts in Czech Republic, Republic of Poland and Slovak Republic Aut.údaje Agnieszka Marciniuk ... [et al.] Autor Marciniuk Agnieszka (25%)
Spoluautori Zimková Emília 1964- (25%) UMBEF04 - Katedra financií a účtovníctva
Farkašovský Vlastimil 1988- (25%)
Lawson Colin Wiliam 1948- (25%)
Zdroj.dok. Prague Economic Papers. Roč. 29 č. 5 (2020), s. 505-521. - Praha : Vysoká škola ekonomická, 2020 Kľúč.slová vlastné imanie obchodné zmluvy ocenenia Heslá geogr. Slovensko Česko Poľsko Jazyk dok. angličtina Krajina Česká republika Anotácia © 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. Kategória publikačnej činnosti ADM Číslo archívnej kópie 48557 Kategória ohlasu 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.
Katal.org. BB301 - Univerzitná knižnica Univerzity Mateja Bela v Banskej Bystrici Báza dát xpca - PUBLIKAČNÁ ČINNOSŤ Odkazy PERIODIKÁ-Súborný záznam periodika 
článok
Názov Analysis of potential marriage reverse annuity contracts benefits in Slovak Republic Aut.údaje Agnieszka Marciniuk, Emília Zimková Autor Marciniuk Agnieszka (50%)
Spoluautori Zimková Emília 1964- (50%)
Zdroj.dok. Application of mathematics and statistics in economics 2018 : conference proceedings : full text papers. S. 200-210. - Praha : Vysoká škola ekonomická v Praze, 2018 / Bašta Milan ; Biernacki Marek ; 1984- Boďa Martin ; Čabla Adam ; Dębicka Joanna ; 1976- Grausová Mária ; 1988- Hudec Samuel ; 1985- Huňady Ján ; 1967- Izáková Katarína ; 1965- Kanderová Mária ; 1983- Kollár Igor ; 1978- Kráľ Pavol ; 1975- Laco Peter ; 1971- Medveďová Petra ; 1991- Mešťan Michal ; 1964- Rigová Zuzana ; 1962- Špirková Jana ; 1981- Stachová Mária ; 1943- Zimka Rudolf ; 1964- Zimková Emília ; Applications of Mathematics and Statistics in Economics 2018 (AMSE) medzinárodná vedecká konferencia Kľúč.slová reverzná anuita - reverse anuity zmluvy reverzné hypotéky - reverse mortgages Form.deskr. príspevky v zborníku - proceedings papers Jazyk dok. angličtina Krajina Česká republika Anotácia Demographic trends in Europe reveal that the pension funding gap will become one of the key social issues in coming years. On the other hand, many of these people hold a large amount of wealth in their property which, being reasonably utilized by equity release products, could help them cover their needs. People can surrender their real estate to a company interested in the acquisition of their property in exchange for the whole life monthly benefits. The aim of the contribution is to analyze the potential benefits of marriage reverse annuity contracts in the Slovak Republic by the use of the Svensson model function, considering the reversionary annuity and the real value of estate in different cities. The real value of the properties is determined by the place where spouses live and has significant influence on the amount of the benefit. While in many countries the equity release products have been offered to clients for dozens years, a product of this nature has not been established so far in the Slovak Republic. Hopefully, this contribution might initiate discussions on the introduction of similar equity release products market in the Slovak Republic as well. URL Link na plný text Kategória publikačnej činnosti AFC Číslo archívnej kópie 48427 Katal.org. BB301 - Univerzitná knižnica Univerzity Mateja Bela v Banskej Bystrici Báza dát xpca - PUBLIKAČNÁ ČINNOSŤ 
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