我来给你上上课啊。“以房养老”就是“住房反向抵押贷款”。老年人把自己的房子抵押出去，比方说抵押给银行或者保险公司，这些金融机构按照房子的价值，提供老人养老金，老人去世后，产权就归机构了。
wǒ lái gěi nǐ shàngshàngkè ā 。“yǐfángyǎnglǎo ”jiùshì “zhùfáng fǎnxiàng dǐyā dàikuǎn ”。lǎoniánrén bǎ zìjǐde fángzi dǐyā chūqù ，bǐfangshuō dǐyā gěi yínháng huòzhě bǎoxiǎn gōngsī ，zhèxiē jīnróng jīgòu ànzhào fángzi de jiàzhí ，tígōng lǎorén yǎnglǎojīn ，lǎorén qùshì hòu ，chǎnquán jiù guī jīgòu le 。
Let me give you a lesson on it. “Using homes to take care of the elderly” is a “housing reverse mortgage loan”. Old people can mortgage their homes. For example, it's mortgaged to a bank or insurance company, and these financial institutions will provide money to support these old people based on the value of their homes. When the old people die, ownership of the property will be given to the institutions.