Spanish single-person households of individuals aged 65 or older who own 100% of the property where they live and meet the financial conditions to apply for an Reverse Mortgage.

<br>This database includes data from Spanish single-person
households of individuals aged 65 or older who own 100% of the property where
they live and meet the financial conditions to apply for an Reverse Mortgage (RM). The data has been extracted from Encuesta Financiera de las Familias (wave 2020), referred to in English as
the Survey of household finances.<br>The data is used to investigate the potential of RMs to
alleviate poverty among older adults living alone in Spain, focusing on both
general effects and gender-specific disparities. Using a combined income-wealth
approach, the analysis highlights the role of housing equity, which is often
the primary asset for older homeowners. The findings reveal that RMs can reduce poverty rates, improve the
financial well-being of these households and decrease gender disparities.<br><br>

本数据库收录了西班牙65岁及以上独居老年群体的相关数据，该群体需完全拥有自住房产，且满足申请住房反向抵押贷款（Reverse Mortgage，RM）的财务条件。数据取自《家庭金融调查》（Encuesta Financiera de las Familias，2020轮），其英文官方名称为Survey of Household Finances。
本数据集旨在探究住房反向抵押贷款对缓解西班牙独居老年群体贫困问题的潜在效用，同时兼顾分析其整体效应与性别维度的差异。研究采用收入与财富结合的分析范式，重点凸显了住房净值——老年自有住房群体的核心资产——所发挥的关键作用。研究结果显示，住房反向抵押贷款可有效降低贫困率、改善此类家庭的财务福祉，并缩小性别间的福利差距。