住房反向抵押贷款的国际借鉴与实践

International Reference and Praetiee of Housing Reverse Mortgage Loan

随着我国老龄化社会程度的加重,社会保障压力不容回避。而市场经济发达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。因此,在我国推出住房反向抵押贷款,对于构建和谐社会有着重要的意义。

With an aggravated aging level, social safeguard stress deserves no evading. In market economy developed countries, housing reverse mortgage loan is extended for realization of living out life in retirement with houses, which not only raises life quality of the aged, but mitigates social safeguard stress of the state. Therefore, it＇s of great significance for building up a harmonic society to present housing reverse mortgage loan to public.