以房养老（Housing endowment）.doc

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 reverse 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 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 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, physiological 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 our 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, 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 welf