以房养老（国外英文资料）.docVIP

以房养老（国外英文资料） It is understood that many older people in the United States spend about 10 years before they retire to buy a house and rent out the spare parts for housing for the elderly. The us government and some financial institutions have also introduced mortgage repayments loans, aimed at elderly people over the age of 62. In the United States, there are three main forms of housing for the elderly : one, the mortgage of the federal insurance. Second, the loans made by the government guarantee, which have a fixed term, must be made by elderly residents to move housing and to repay the loan. 3, proprietary reverse mortgage loan, generally handled by the financial institution, the institution that makes the loan and the household share the gains from the appreciation of the housing. After the 20th century, Europe and the United States gradually began to aging, due to the economic strength of the support of many aspects, and the western home form factors, these countries endowment countermeasures have in common is dependent on social pension function: in the social security system, the elderly are endowed with the independent living ability of the economy; In terms of welfare facilities, service system and living environment, the physical condition of the elderly is designed in different levels and different categories. At the same time, because of the differences in policy, philosophy and operation, the overseas model of housing is easier to advance than China and more mature. He who has a stone may attack the jade. If we look at how other countries have done so, it may be instructive to look at how other countries have done so. Canada: the elderly over the age of 62 residential houses can be mortgaged to the bank, the loan amount between 15000 to 300000 c, as long as you dont move, dont sell, building property right person the same, but have lived to enjoy their life, future generations when handling property fold return loan. Singapore: the elderly over the age