With increasing of aging population,"Elderly and retired" become a vitally social issue in Taiwan. An innovative scheme—Reserve Mortgage Plan(RMP)—has brought into implementing recently. How does the target group perceive and why do they accept ? Those are the important questions that government policy makers shall be understood. The study is, therefore, focusing on an exploration of sampling the people with age above 40s in Taichung city. the results explain that the female, especially, with single status are more worry about retirement and willing to consider the RMP than the male.