房屋反向抵押法律规则探析.pdf

笔者还将有针对性地对农村市场实施反向抵押制度的困境补充设计一些有别于 城镇的方式。如在立法时建议可以根据农村住宅的使用期限，规定住宅的寿命期 限，并应限制在对房屋剩余期限范围内的反向抵押，而在期限届满之后则将该幅 宅基地收归集体所有，保证农村土地制度的稳定。 关键词：反向抵押宅基地房屋养老保障 中文图书分类号：D923．2 Abstract As a novelty in a血la’the promotion of housing lCVerse moggage will create a great social benefits．However,subject to the legal system in China and the traditional ideas， when implementation of the system in China will have a lot of obstacles．This article will focus on reverse mortgages through the housing system in urban and rural China to analyze the obstacles to implement．Then 1 will analyze the viability and n∞essity of the system in China．And adopt different strategics according tO the analysis． This article consists of four chapters to explain the legal issues．The first chapter will 仃y to make a simple analyze about reverse mortgage rules，and then Ill make a horizontal comparison of ordinary home mortgages．In addition,the practice of the system status at home and abroad will also be briefly introduced． In the second chapter,1 will try to analyze the obstacles and possibilities of the reverse mortgage in the cities．By analyzing the concept obstacle and SO on，it’II discuss the implementation of the system in the urban plight．At the same time，1 will make some preliminary discussion on the possibility of implement the system in the city． The third chapter 1 will immediately analyze the obstacles and possibility when implementation of the reverse mortgage in the country．And according to the previous analysis，1 will try to find the obstacles of implement the system in the COUlltly．Still，1 will point out the needed for land reform in rural areas．Including the reafization of equal prote施on ofproperty rights between the farmers and the citizen． Based on the above analysis，chapter IV will give the solutions about how to practice the reVer∞mortgage in China．Such as the barriers against the idea,I proposed to seek a breakthrough from the lonely elderly community to acquire uaderst锄ding and s．pport．In add