“你留下房子,我为你养老。”国家保监会发布《关于开展老年人住房反向抵押养老保险试点的指导意见》,2014年7月1日起,讨论已久的以房养老保险业务在北京、上海、广州和武汉四地试点实施,这意味着备受关注的以房养老政策终于落地。作为一种新型的养老方式,以房养老看上去很美好,尤其是对一些丁克家庭和空巢老人来说。拥有产权的老人们通过“倒按揭”获得了额外的养老金,在继续享有房屋占有和使用权的前提下,有更多的资金收入来提高晚年的生活水平和质量。 “You leave the house, I am your pension. ” The State Insurance Regulatory Commission released the “Guidance Opinion on Carrying out Pilot Old-age Housing Reverse Mortgaged Pension Insurance”, since July 1, 2014, the long-discussed Housing Pension The pilot implementation of the business in Beijing, Shanghai, Guangzhou and Wuhan means that the long-expected policy of housing for the elderly ends up in the field. As a new form of pension, housing pension looks good, especially for some Dink families and empty-nesters. Elderly property owners get extra pensions through “mortgage refinancing” and have more funds to improve their living standard and quality in later life, while continuing to enjoy the rights of possession and use of housing.