以房养老反向抵押贷款模式属于新型以房养老方式,有利于更好地解决老年人的养老问题。本文对以房养老反向抵押贷款合同的性质及主体进行综合分析,阐述合同中各主体的权利义务的具体内容,以期实现双方主体的权利义务平衡,解决实践中的养老问题,从而更好地发挥私法的作用。 Housing mortgage reverse mortgage model is a new type of housing for the elderly, is conducive to better solve the elderly pension problem. This article makes a comprehensive analysis of the nature and main body of the housing mortgage-backed reverse mortgage loan contract, elaborates the specific content of the rights and obligations of each subject in the contract so as to balance the rights and obligations between the two parties and solve the pension problem in practice, Play the role of private law.