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国务院不久前印发了《关于加快发展养老服务业的若干意见》,其中有关“以房养老”内容,引发舆论关注。文件明确提出,鼓励和支持保险资金投资养老服务领域,开展老年人住房反向抵押养老保险试点。老年人住房反向抵押养老保险是荷兰人的发明,在欧洲却不怎么受欢迎。美国在这些方面做的探索比较多,美国政府和一些金融机构推出“以房养老”的“倒按揭”贷款,
Not long ago, the State Council printed a number of Opinions on Accelerating the Development of Pension Services, in which the content of “housing for the aged with its own homes” has aroused media attention. The document clearly proposed to encourage and support the insurance funds to invest in the field of pension services to carry out the pilot elderly housing reverse mortgage pension insurance. Older Housing Reverse Mortgages Pension is a Dutch invention that is less popular in Europe. The United States has done more exploration in these fields. The U.S. government and some financial institutions have introduced the “mortgage loan” “mortgage for the elderly”