以房养老与住房反向抵押贷款

随着我国老龄化社会程度的加重,社会保障压力不容回避。而市场经济发达的国家通过住房反向抵押贷款,实现了以房养老,既提高了老年人的生活质量,又减轻了国家社会保障压力。因此,在我国推出住房反向抵押贷款,对于缓解社会保障压力,构建和谐社会有着重要意义。文章分析了当前我国住房反向抵押贷款面临的问题及国外反向抵押贷款模式的实施,并借鉴其经验,为我所用。

Housing For Aged and Reverse Mortgage Loan

With an aggravated aging level,social safeguard stress deserves no evading.In market economy developed countries,housing reverse mortgage loan is extended for realization of living out life in retirement with house,which not only raises life quality of the aged,but mitigates social safeguard stress of the state.Therefore,it is of great significance for building up a harmonic society to present housing reverse mortgage loan to public.The article analyzed the current situation of China's housing problems faced by reverse mortgage loan and reverse mortgage loans abroad on the implementation,and to draw upon its experience to use.