| At present, our country has entered into aging society. Since the increasing proportion of the elderly and the insufficient endowment resources are coexist, the endowment problem is getting worse. Meanwhile, the value of households, the greatest wealth for the Chinese family, which are viewed as the "immovable property", hasn't been maximized. Were revitalized the property value, into residents of old people to expand the personal pension source, the current endowment crisis would ease and individuals, families and society would receive positive effects as well. 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. There are five parts as follows:Firstly, introduces simply the related backgrounds, research purposes, significance, methods and the innovation.Secondly, reviews literatures including the necessity and operation methods of personal financial planning, and the current research status on Housing Endowment.Thirdly, around various aspects of Personal Housing Plan and Pension Plan,the passage in brief analysis how to make rental or buying housing decision, choices of different traditional ways of mortgage loan repayments, the four major categories of Housing Endowment and the connotation of ascension involved.Fourthly, empirical analysis Hypothesis a personal Xiao Li, designs the financial planning for his 25 to 85 age, focusing on choosing five kinds of housing consumption mode. The future incomes and expenditures for each kind of mode is simulated to find the the effects of different choice on his whole-life consumption.Fifthly, conclusions and suggestions. Summarizes the research and puts forward the proposal to inform social public and government with common attention in Housing Endowment so as to promote old-age pension mode into practice soon. |
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