以房养老方式的住房释放金额比较  

Comparison of Housing Release Fund of House for Pension Scheme

作　　者：周俊山[1] 

机构地区：[1]中国人民公安大学犯罪学系,北京100038

出　　处：《社会保障研究》2012年第2期78-85,共8页Social Security Studies

基　　金：2010年英国牛顿国际奖学金(Newton International Fellowships;UK;2010)资助项目"Comparison of the Elderly Community Care System in China and the United Kingdom"部分成果

摘　　要：以房养老,最重要的是选择合适中国国情的以房养老方式。以房养老主要是将住房折现,因此比较不同模式的优劣,从其模式带来的收入来比较是必需的也是最重要的。按照《中国人寿保险业经验生命表(2000-2003年)》和《商业性房地产信贷政策》,借用养老金业务表老年人死亡概率,通过计算可知,住房反抵押贷款给予老年人的收入高于售房养老,但是对贷方的资金压力很大,需要政府部门支持和优惠政策。To the Housing Equity Release, the most important is to choose appropriate conditions for the Chinese way. To the Housing Equity Release, the main is discounted, so the most needed and important comparing the pros and cons of different models is to compare the revenue. According to ＂China＇s experience life table of life insurance （2000- 2003 ）＂ and＂ Credit Policy Commercial Real Estate＂, and borrowing the probability of death in elderly pension business table, we can find the granted income of Housing Equity Release is higher than Pension Houses on calculation, but a lot of pressure on the lender~ funds,which need government supports and preferential policies.

关 键 词：以房养老 住房反抵押贷款 售房养老 住房 

分 类 号：F293.3[经济管理—国民经济]