“以房养老”的法律依据与纠纷解决机制创新

On Innovating Legal Basis and Dispute Settlement Mechanism for“Housing for the Aged”

以房养老不仅是对社会现有养老保障体系的一种重要补充,亦是英美等发达国家解决本国老龄化问题的一把利器。以房养老的养老方式主要针对拥有自己房屋的老年人,可以将房屋向相关贷款机构进行抵押,获得借款的同时还可以保留其居住权,当合同期满或者受益人亡故时,可以将房屋出售,然后用售房所得钱款偿还贷款本息。此种养老模式可以有效缓解老龄化所带来的危机,提升老年人在物质方面和精神方面的需求,推动金融行业的可持续发展。

Housing for the aged is not only an important supplement to the existing social security system for the aged,but also a sharp weapon for developed countries,such as the United Kingdom and the United States,to solve their aging problems.The housing-for-old-age pension is mainly targeted at the elderly who can obtain loans and retain their right of residence by mortgaging their own their own houses to the relevant lending institutions,and can sell the house and use the proceeds to repay the principal and interest when the contract expires or the beneficiary dies.This pension model can effectively alleviate the crisis brought about by aging,enhance the material and spiritual needs of the elderly,and promote the sustainable development of the financial industry.