The challenge of financing dependency in Catalonia by advancing rents, maintaining home ownership

==1 Title, abstract and keywords<!-- The challenge of financing dependency in Catalonia by advancing rents, maintaining home ownership
The strong short-term demographic impact resulting from increases in the number of elderly people and life expectancy poses an unprecedented scenario in terms of financing the expenses required by older people with dependency. In these last years of life, there is a very significant increase in expenses, which cannot be met with recurring pension income. This fact, together with the lack of individual foresight and the limitations of the administrations to provide this coverage, raise the need to look for new alternatives. The proposal proposed in this work consists of an innovation that can help to give sustainability to the system, since a high percentage of citizens have a home they own that is likely to provide the necessary liquidity through the advance of rents to meet the payment of dependency expenses.
Dependency financing, rent advances, housing monetization, Pensium, reverse mortgage

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