随着房地产市场的不断发展,我国私人拥有住房的比率越来越高,从而使得以房养老成为可能。本文在对现行的几种以房养老方式分析的同时,就住房逆抵押贷款方式与租房养老方式进行较为深入的定量比较,指出住房逆抵押贷款方式是一种值得考虑的以房养老的新选择。 With the continuous development of the real estate market, the proportion of privately owned housing in our country is getting higher and higher, making it possible for housing to be recuperated. In this paper, while analyzing the current methods of providing housing for the elderly, this paper makes a more in-depth and quantitative comparison between the ways of housing reverse mortgage loans and the ways of renting houses for retirement, pointing out that the housing reverse mortgage loan is a new option worthy of consideration .