Exploration Of The Housing Endowment

Our country has already entered an aging society, endowment has become every family mustbe serious face problems, for a compliance filial piety national speaking, China’s endowment seemsto load more connotation and responsibility. In today’s society, endowment nothing more than threeways of family endowment and community endowment and institution endowment, but at presentcan be old man10.36million, half disabled old man21.35million, large and medium-sized citiesempty nest family reached70%, this also means that in a certain degree, the three kinds ofendowment way to meet the old man’s endowment demand. In the face of our country "get oldbefore it gets rich" and the social security system system still lagging behind the contradiction, innowadays "421" family structure more and more become the mainstream,"retirement with house"is considered to solve the problem of the effective way to family pension.Enjoy life with the building is a new type of endowment way, it is aimed at those who haveproperty right of the elderly, they can own property mortgaged to engaged in related businessfinancial institutions, the agency in the comprehensive evaluation of the age, life expectation, thepresent value of the house, wreck a condition and expected the borrower died property value factors,will be the value of his home to apportion the expected life, And homeowners in the survival periodstill obtain residency, until his death. When the owner died, the real estate sales, income to repaythe loan principal and interest, the appreciation to the mortgagee all part also. Reverse mortgage isessentially one of housing endowment financial securitization mode, is the financial financingmeans, in the United States is called the "housing cash plan", popular point is said to roomendowment.Based on the theoretical analysis of life with the building and the analysis of the experience athome and abroad, research the room endowment in China’s feasibility and in the implementation ofmay encounter risks, and found that our country has carried out the life with the building materialconditions, but the corresponding laws and regulations are not perfect, and room endowment wantto implement in China, the main problem is the old people’s idea of the conservative. Can set up aset of effective operation and supervision mechanism, through the increase of housing endowmentthe propaganda, select the idea relatively open developed city after the pilot slowly universal. According to its own characteristics and Taiyuan city endowment patterns of the current statusquot found, Taiyuan city is a relative population less heavy industrial city, urban households ownoccupancy rate over ninety percent, and housing prices stable, the above is in Taiyuan city to roomendowment business provides basic conditions. In this paper, the housing reverse mortgage andhousing endowment patterns in Taiyuan city of the feasibility of the questionnaire survey found thatthe most important problem is the implementation of Taiyuan city in the inland areas, people’sideological conception openness is not enough, so need to explore a can meet the different needs ofthe old man in the room endowment patterns.Change the idea of people not in one day can becompleted, the government must publish corresponding laws and regulations, and strengthen thepublicity in the citizens, according to the demand of people make a variety of solutions to choosefrom. Most old people should start from the most easy to accept the spell room endowment andrental big rent live cellule mode to start, slowly add other modes for old people choose.