住房养老将成为中国提供养老保障资金的重要模式之一。老年人住房模式受多种因素影响,住房养老模式也要采取多种模式。适合我国的住房养老模式主要有:出售住房所有权;转让住房使用权;住房反向抵押贷款获得养老保障基金,在此基础上还衍生出其他模式。三种模式能否都发展,需要看老龄化情况及政策的支持情况而定。 Housing for the elderly will become one of the important modes for providing funds for old-age security in China. The elderly housing model is affected by many factors, housing pension model also take a variety of models. Suitable for China’s housing pension model are: the sale of housing ownership; the right to transfer the right to use housing; housing reverse mortgage loans to obtain pension funds, on the basis of which also derived from other models. Whether all three modes can be developed depends on the aging situation and the policy support.