What is housing for the aged? What's the role?

With the increasingly serious aging in China, the policy of "providing for the elderly with housing" provides better protection for the elderly. So what is housing for the elderly? Simply put, it is a policy that challenges many people with traditional thinking in China. From launch to implementation, it has attracted great attention from people of different ages. The following small series summarizes some knowledge about housing-based pension, hoping to help you understand the basic concept of housing-based pension policy more deeply.

What is housing for the aged?

Housing for the aged is based on resources, using the difference between the life cycle of housing and the remaining life of the elderly family, and through the integration of certain financial or non-financial mechanisms, realizing the huge real estate resources owned by the majority of the elderly, especially the housing value left after death. Realize the flow of value and establish a long-term, sustained, stable and even lifelong cash inflow for the rest of the elderly.

There are 654.38+78 billion elderly people over 60 years old in China, and the economic model of providing for the aged is mainly child support, providing for the aged and social security. The concept of "providing for the elderly with housing" has gradually emerged. "Young people borrow money to buy a house, and the elderly mortgage their houses to banks or insurance companies, and the above-mentioned institutions pay for the old-age care, so that they can have food and clothing in their later years."

Classification of housing-based pension projects

Under the concept of providing for the aged with housing, there are many specific ways of operation. According to our general summary, it can accommodate 30 kinds, and reverse mortgage is only the most typical and complicated one, so there is no need to equate housing for the elderly with reverse mortgage. According to our extensive investigation and in-depth discussion, various operation modes of housing for the aged can be divided into financial behavior and non-financial behavior. The former is more complicated, and can only operate smoothly through financial and insurance institutions, including reverse mortgage loans, selling houses for the elderly, real estate pension life insurance and so on. The latter method is very simple, that is, the old people can use their brains, and with the intentional advocacy of the society, they can operate by themselves, including bequest and maintenance, real estate replacement, real estate rental exchange, selling houses in hospitals, investment houses for the aged, leaseback after sale, attracting tenants, providing for the aged in different places, and providing for the aged base. These seemingly different practices can actually achieve the big goal of providing for the elderly with housing.

What is the significance of the implementation of the policy of housing for the elderly?

In fact, the implementation of this policy is a great challenge to many elderly people with traditional ideas. In the deep-rooted concept of China people, "leave room for future generations". Many old people will choose to leave everything to their children after a hundred years. Now the government's policy of "providing for the elderly with housing" requires the elderly to mortgage their houses to the bank, making it difficult for them to save a house for others after a lifetime of hard work. This is also a huge resistance that this policy has to face from time to time. However, with the implementation of the pilot, it shows that many people are in favor of this policy. On the one hand, with this policy, the lives of some elderly people are more secure. In addition to the general old-age insurance, there is also a higher living allowance to ensure the quality of life. On the other hand, it also reduces the burden on children.

For such a policy, many experts and insiders think it is worth looking forward to. With the increasingly serious problem of aging in China, the introduction of such a housing-based pension model can not only make the elderly no longer worry about their own pension costs, but also make them happier and more comfortable to enjoy their old age. I hope that through the above brief introduction, I can help my friends master "what is housing for the elderly?" Such a problem, and when choosing this practice, you can make the right decision.

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