论文部分内容阅读
从中国自有住房的拥有率来看,以房养老有其推广的基础。但以房养老适合的人群显然不是全社会。它适合这样的情况:老人与子女分开居住,使得房屋的出租或者抵押不至于影响正常生活。老人拥有对房子的产权,才有出租或者抵押房屋的权利。老人经济状况适中,因为经济条件很好则无“以房养老”必要;经济条件过低则不具备“以房养老”条件。可以看出,以房养老,第一是限定条件很多,第二是牵涉面很广,所以在具体实施起来障碍也肯定不少。
From the ownership rate of China’s own housing point of view, housing pension has its basis for promotion. However, it is obviously not the society as a whole that is fit for the elderly in housing. It suits the situation where the elderly live separately from their children, making the rental or mortgage of the houses not adversely affect their normal life. The elderly have the right to the house, have the right to rent or mortgage the house. Elderly economy is modest, because the economic conditions are good, there is no “housing pension” is necessary; economic conditions are too low, do not have the “pension” condition. As can be seen, pension for the elderly in the housing sector is limited in many ways. The second one is a wide range of hurdles. Therefore, there are certainly many obstacles in the concrete implementation.