Abstract
Abstract In view of the Government has been planning the reverse mortgage（RM） system to establishing for saving people from poverty of low-income which are making social problems from ageing population required. For this system, the Government has been inviting the domestic and overseas official and professional scholar to discuss, and refer to their experiences. As discussed, we may avoid the social problems for domestic ageing population demand. It is hard to changing concept that even aging people likes to living with their own lifestyle, because they could leave the next generation of property and raise children to provide parents, but young people may have its own arrangements for lifestyle or unable or unwilling to take care of their parents. Department of Household Registration shows: Taiwan has begun to enter the “aged society” from 1993, and Council for Economic Planning Development（CEPD） estimate would into “super aged society” on 115 that more than 20% ageing of the population aged over 65 and the negative growth trends in the population by the time. In the case of changing population structure, there is no source of senior citizens to plan for the future life, and the children need to understand that how to adjust their income for the health care and conservation of the elders or the Government need to draft a system for the people—to give consideration to care them, or socio-economic resources and the financial aspects of the overall policy. The thing is not only in Taiwan but the major problems facing in the word. The hypothesis on this article including integrates old-age citizen’s welfare allowance income of three annuities（National Pension Insurance, Labor insurance annuity, Laborer retirement pension）, housing value estimate and the way of questionnaire survey to discussion 40 aged peoples who is willing to makes living expenses through reverse mortgage for self or their parent? And discussion the system of reverse mortgage in Taiwan is feasible? Also we will learn about the policy of aging people’s life planning after retirement in Singapore. A reverse mortgage provides people more understanding their own rights and interests to take one step ahead for planning the aged life after retirement.