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ABSTRACT "When the Great Principle prevails, the world is a Commonwealth in which rulers are selected according to their wisdom and ability. ...... Provision is secured for the aged till death, employment for the able-bodied, and the mean of growing up for the young. ......" -- THE CHAPTER OF GREAT HARMONY(TA TUNG ).With the advance of science and technology, Overall life expectancy of the nation is eighty. It shows people will be long-lived. But, for fertility rate is no obviously changed, it affects the dependency ratio from 34.77% to 37.05% between 2013 January and 2018 January (MOI data), how to make the elder can pass the remainder of their life is an important topic. In the past “Rear sons for help in old age; and store up grains against famine.” is traditional ideal. One person might have more than five brothers or sisters, everyone can help to take care their parents. Today, most of people are nuclear families, so when children grow up and get more pressure. Therefore Rear sons for help in old age is non-suit today. In addition, buying a house is an important target of traditional Chinese, but it’s difficult for now because of price-rising and low salary. Having a house has to pay the payment for 20 to 30 years. When the Mortgage loan cleaning, people are old. This study is about Asset activation for inheritance.( Reverse Mortgage) With this study people do not have to follow traditional way, people can enjoy their retired life. Key words: dependency ratio、make the elder can pass、Reverse Mortgage
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