The reverse mortgage is presented as a solution for people who own valuable real estate but lack liquidity, meaning available money for current expenses. This tool allows homeowners to convert part of their property's value into income, generally through a loan secured by the property.
The article warns, however, that the reverse mortgage should not be interpreted as a complete or definitive solution for retirement. It emphasises that it is not a sinecure that allows retirees to dispense with other forms of savings and financial preparation for old age.
Furthermore, the text stresses that the existence of this tool should not serve as a pretext for the State to exonerate itself from its responsibilities regarding social protection and welfare. The reverse mortgage is thus framed as a complement, not a substitute, both for individual savings and for State intervention.
