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1、以房养老（Housing endowment）It is understood that many elderly Americans in retirement about 10 years ago to buy a house for the elderly, the remaining part of the rental, used to housing endowment. The United States government and some financial institutions also launched the housing endowment of the re
2、verse mortgage loans, objects for the elderly over 62 years of age.Americas house-for-pension scheme mainly has three forms: first, the federal government mortgage insurance down; two, the government backed down mortgage loans, such loans have a fixed term, elderly residents shall make and implement
3、 supervise housing loan plan to receive loans; three, proprietary reverse mortgage loans, generally by the financial agencies, institutions and household loans value-added share of housing revenue.After twentieth Century, Europe and the United States gradually began to aging, because of the economic
4、 strength and support many aspects of Western home form, these common state pension countermeasures is dependent on the social endowment function: in the social security system, elderly people are given independent economic capacity; in welfare facilities, service system and living environment, phys
5、iological conditions for the elderly, designed by different levels and different categories. At the same time, due to differences in policies, concepts and mode of operation, the foreign housing endowment model is easier to promote than China, and develop more mature.From outside the box. To solve o
6、ur pension difficulties, we should look at what other countries do and what they can learn from it. Perhaps it will bring us some enlightenment.Canada: more than 62 years old residential houses can be mortgaged to the bank, the loan amount in 15 thousand to $300 thousand, as long as it does not move
7、, not real, the housing property unchanged, can stay to enjoy old age, the loan of real estate fold later processing.Singapore: 60 years of age or older to mortgage the house to the public welfare institutions with a government background, the public welfare institutions or one-time payment of pensi
8、ons, the old man died when the property by these institutions disposal, surplus value (the total price minus the amount of the pension) to his successors. This model is less risky.Housing endowment is also very common. Japanese Pension industry experts, Yoko management consulting (Shanghai) Co., Ltd
9、. CEO Kawa Youko said in an interview with reporters, house-for-pension scheme (i.e. reverse mortgage) for more than 55 years old, this does not need to repay loans, lenders in the death house will be punished as debt funds. Japans elderly population holds half of the countrys total personal financi
10、al assets, while the market value of real estate is two times that of financial assets. If real estate can be realized, it will be a good way for elderly people to improve their quality of life. Reverse mortgage will help old people to cash in real estate and balance their retirement income.To the h
11、ousing endowment is also known as housing reverse mortgage or reverse mortgage means that the elderly will be selfProperty rights have been mortgaged or leased to the appropriate insurance company or financial institution,Its value to the house,FutureA comprehensive assessment of the added value and
12、 the loss is calculated based on the evaluation value and the average life expectancy of the elderlyAfter,Pay the cash to the insured aged monthly or yearly,Make sure that it receives a certain amount of pension or connection regularlyA form of care for elderly apartments.type three the domestic res
13、earch situation compared to foreign countries, the domestic scholars for the housing endowment mode of retirement started late. 1, the development process of the housing endowment model in China, combined with research papers and news reports in recent years, summed up the following several of our h
14、ousing endowment development has a significant impact on the practice. 2003, Chinas former chairman of the housing group Meng Xiaosu first put forward the housing endowment word, from the housing endowment concept into the eyes of the Chinese people. Since then, many scholars have studied the housin
15、g endowment model. In June 2005, Nanjing Tangshan hot spring Lingering Garden apartments for the elderly launched the first house-for-pension scheme, the property will be mortgaged to the bank, free admission to nursing homes, after the death of all property in nursing homes. Although this initiativ
16、e and to the housing endowment model is different, but has taken the housing endowment pilot in our country the first step. At the beginning of April 2005, Nanjing Tangshan Lingering Garden apartment in China to launch a / give me your house, I give you 0 pension under the banner of the housing for the business, once attracted much attention. However, due to difficulties in the actual
