以房养老

第三部分是文章的重点，即济南市实行以房养老的必要性和可行性分析，结合调查问卷统计结果，利用SPSS分析软件，得出以房养老在济南市具备可行性的结论。

The third part is focusing of the article , namely , the necessity and feasibility analysis . Besides , combined with the use of SPSS analysis software and questionnaire results , the essay comes to a conclusion that Jinan is feasible for house endowment .

以房养老的方案设计及其可行性分析

The Programme of Housing Design for the Old Pension and its Feasibility Analysis

以房养老在我国推行的可行性分析

The Feasibility Analysis of Houses-for-pension In Our Country

以房养老与住房反向抵押贷款

Housing For Aged and Reverse Mortgage Loan

浅析以房养老在我国的发展及运行中的政府作用

The Brief Analysis of the Government Function for " Cares for the Old-age by Housing " in Chinese Developing and Operating

以房养老模式是帮助老年人在不出售房屋的前提下将房产套现，以现金保障老年生活的模式设计。

Retire to Enjoy Life with the Building is the mode that guarantees the aged with cash on the premise of not selling the house property .

基于“以房养老”理念创设的房产养老寿险这一新型金融产品，将对解决养老保障的资金筹措问题提供全新的思路。

Based on this mode , we plan to design a new financial product and name it " a real estate retirement pension insurance ", which will be operated .

随着国内老龄化程度的不断加深，加之社会基本保障制度的不完善，反向抵押贷款这种以房养老模式为解决部门养老问题，提供了一种新的解决途径。

As the aging of population is deepening in China , and the social security system is imperfect , reverse mortgages are considered as a new way to solve the problem about growing old .

文章对大陆法系由来已久的让与担保理论进行分析，提出我国以房养老模式的法律框架，从而形成符合我国实际的有效法律制度。

By analyzing conveyance surety theory the article put forward the legal frame of Retire to Enjoy Life with the Building mode , thus become to match a physically valid legal system in our country .

通过本文的分析发现，采取以房养老模式将会激活个人／家庭的住房财富，影响其一生的收入支出状况，进而影响个人消费和生活的各个方面。

The passage analysis the simulation the patterns of Providing the Aged by Housing Discount may triggered to Individuals / families housing wealth and come to conclusion that it will affect income disbursement , personal consumption and all aspects of life .

基于我国房地产市场发展不充分和社会养老保障体系不健全的现实状况，文章认为我国引入以房养老模式只是时间的问题。

On the base of the insufficiency development of our real estate market and distempered social security system , the article considers that introducing the mode of Retire to Enjoy Life with the Building into China is just a horary problem .

而市场经济发达的国家通过住房反向抵押贷款，实现了以房养老，既提高了老年人的生活质量，又减轻了国家社会保障压力。

In market economy developed countries , housing reverse mortgage loan is extended for realization of living out life in retirement with house , which not only raises life quality of the aged , but mitigates social safeguard stress of the state .