English 
Suomi 
Majority of Finnish households have most of their wealth in the form of housing. Retired households could supplement their mandatory pension benefits by releasing housing equity. The simplest way to release housing equity is to move to a smaller house or to become a renter. Another option is to purchase a reverse mortgage. Housing wealth can also be used to buy a lifetime annuity. We compare different ways of releasing housing equity both in terms of household welfare and in terms of fiscal revenues.
Researchers: Niku Määttänen (ETLA) ja Tarmo Valkonen (ETLA)
