“以房养老”灵活人性“以房养老”美国是最早推行“以房养老”的国家之一,经过几十年的发展,目前已建成世界上规模最大,制度灵活的“以房养老”体系。该体系有3种倒按揭贷款模式,最普遍的是由美国联邦住房管理局提供的倒按揭贷款,约占全部倒按揭贷款的九成。贷款的申请人需年满62周岁,办理倒按揭的房屋为老人所有并用于日常居住。此种贷款广受欢迎, The United States is one of the earliest countries to implement “housing for the aged”. After decades of development, the United States has now built the largest and most flexible system in the world “Housing pension” system. The system has three kinds of reverse mortgage loans, the most common is by the United States Federal Housing Authority to provide reverse mortgage loans, accounting for about 90% of all down mortgage loans. Applicants for loans must be 62 years of age or older, and the mortgaged houses are owned by the elderly and used for daily living. Such loans are very popular,