La hipoteca inversa aplicado en personas de la tercera edad. Regulación en leyes ecuatorianas.

Abstract

Academic article on the Reverse Mortgage applied to elderly people, due to the problem that the country's financial sector does not have this banking product that is specifically focused on older adults, so a theoretical, legal and analysis was carried out. complete comparison of current regulations with the purpose of implementing a product in the banking system to satisfy the basic needs of this priority attention group, as they have difficulty in the workplace and/or receive income from their retirement pension that does not allow them fully to satisfy your needs. Ecuador has legal regulations to implement Reverse Mortgage, such as the Organic Monetary and Financial Code, related to financial level institutions so that they approve and develop legal guidelines for it to be implemented in the country, as Mexico has applied in its legal regulations that result the State and the elderly benefited. Therefore, it is suggested in this research that the National Assembly of Ecuador structure a special Law that regulates the Reverse Mortgage in its financial regulations, with the objective of providing transparency to the banking area and promoting development innovations aimed at satisfying the needs of the elderly.