Réversion du principe du logement humain – Chronique du prêt hypothécaire inversé
Bibliographic record
Abstract
Compte-rendu d'une étude sur la conception, l'émergence, le développement et l'usage des prêts hypothécaires inversés. Les auteurs proposent tout d'abord une analyse des 'reverse mortgages' à partir de l'exemple américain du programme de Home Equity Conversion Mortgages (HECM), puis commentent les évolutions possibles du marché de ces reverse mortgages. Ils effectuent ensuite un tour d'horizon de la diffusion des prêts viagers hypothécaires dans quelques pays anglo-saxons (Royaume-Uni, Canada, Australie, Nouvelle-Zélande) et au Japon. Ils examinent les problèmes que posent ces prêts pour le statut du logement familial (bien consommable, actif fongible, investissement convertible en créances susceptibles d'être titrisées sur des marchés financiers virtuels). Ils reviennent sur les débats autour de la relation entre hypothèque inversée et protection sociale et commentent enfin les enseignements tirés des diverses expériences menées dans les pays anglo-saxons. (résumé des auteurs)
Fetched live from OpenAlex and de-inverted. Abstracts are not stored in this database: the inverted indexes are 8.6 GB of the frame’s 9.3 GB of text, and the host has 13 GB free.
How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.004 | 0.012 |
| Meta-epidemiology (narrow) | 0.001 | 0.000 |
| Meta-epidemiology (broad) | 0.001 | 0.002 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.001 | 0.005 |
| Scholarly communication | 0.003 | 0.004 |
| Open science | 0.001 | 0.002 |
| Research integrity | 0.001 | 0.003 |
| Insufficient payload (model declined to judge) | 0.021 | 0.002 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".