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以房养老:隔着玻璃的幸福

2018-05-09 02:54 |  来源:咕噜英语 |  人气: | 


     
     
     
     “以房养老”也称“倒按揭”,是指老人将自己的产权房抵押给金融机构,以定期取得一定数额养老金或接受老年公寓服务的一种养老方式。这个在西方国家风生水起的福利制度,到底离中国的寻常百姓有多远?
      wealthy enough. In 2030, the country will have about 450 million senior citizens. By that time, 2.4 young laborers will have to support one elderly person, while today nine young workers support one.
     As part of the effort to address the issue,-for- a recent hot topic in the public.
     Ma Guangyuan,, explains what the program is.
     -for-, t, or the bank. It's like a supplementary model of pension schemes in many countries like Japan and the United States.'
     But private properties in China only be leased for a period of 70 years. Currently, the Laws relating to Ownership Rights in China stipulate that the leasehold ownership of homes can automatically be extended. But it doesn't indicate clearly how much the lease extensions will cost. Cai Yaozhong from the Beijing-For-Pension scheme can be effectively implemented in the future.
      forward the pension scheme depends on whether people need to pay for additional fees and the amount of money they need to pay, or whether they won't be required to pay anything. If the fee is quite low, then by the time the property is 70 years old, would be good enough, which would be a great help towards the owner's pension provision.'
     Besides that,-for-pension scheme. As a supplementary pension method, can be qualified to apply for such pension.
     For example, the local policy in Shenzhen requires that applicants need to be in possession of at least two properties since the local banks also want to dodge potential risks in case the value of property shrinks sharply in the f-For-Pension scheme to support them in their old age. This is why few people are likely to be qualified to apply for the scheme.
      Ma Guangyuan gives an example that a recent survey in Dalian has revealed other reasons why it's difficult to carry out the scheme.
     'Many people in the city believe that it's against the traditional idea of depending on one's children when they get old. Second, after they died. The third reason is that elderly people worry that the fi, they are concerned about whether they could rely on their property given the ups and downs of the real estate market.'
     But how can the pension problem be resolved? The reality that every Chinese fa So far, has reached 1.3 trillion yuan. The government emphasizes that Chinese people need to mainly rely on family support. However, its one-child policy has resulted in limited number of young laborers in each family. Furthermore, among many Chinese people.
     Till now, it still remains a question in every Chinese citizen's mind that how I can have a decent life when I'm old. The answer is that it will still require great effort from both the government and society to ensure a time when retirees will feel more secure.
     For CRI, I'm Liu Min.
     
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