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以房养老

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ID: 2392 Advanced
随着中国老年人口的增加，养老成了中国社会的热门话题。几千年来依靠子女养老的方式在现代社会中越来越失去其作用。那么今后中国人应该如何养老？在传统和现代之间，能不能找到平衡呢？
Wed Mar 05 2014 | Vera, David
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SIMPLIFIED PINYIN ENGLISH  
以房养老 yǐfángyǎnglǎo to allow the elderly to mortgage their homes for a pension in old age
试点 shìdiǎn trial
反向 fǎnxiàng reverse
抵押 dǐyā mortgage
老公，报纸上说“以房养老”会在2014年上半年开始试点。我不太明白，“以房养老”是什么意思啊？
lǎogōng ，bàozhǐ shàng shuō “yǐfángyǎnglǎo ”huì zài èrlíngyīsì nián shàngbànnián kāishǐ shìdiǎn 。wǒ bùtài míngbai ，“yǐfángyǎnglǎo ”shì shénme yìsi ā ？
Honey, it says in the newspaper that “using homes to take care of the elderly” will begin trials in the first half of 2014. I don't really understand. What does “using homes to take care of the elderly” mean?
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.
哦，是这样啊。这会有人接受吗？现在房价这么高，老百姓辛苦一辈子买套房，到头来，人、财、房三空，赤条条地来，赤条条地走。
ò ，shì zhèyàng ā 。zhè huì yǒurén jiēshòu ma ？xiànzài fángjià zhème gāo ，lǎobǎixìng xīnkǔ yībèizi mǎi tào fáng ，dàotóulái ，rén 、cái 、fáng sān kòng ，chìtiáotiáo de lái ，chìtiáotiáo de zǒu 。
Oh, that's what it is. Will people accept this? Nowadays housing prices are so high. Average people work hard their whole lives to buy a house. In the end, the person, their money and their house are all gone, coming into this world with nothing and leaving nothing behind.
上海曾经试点过“以房养老”，效果不好。这次国务院又提出来了，也是有理由的。现在大多都是“4 2 1”的家庭模式，独生子女一代的家庭压力是很大的，而且老年人晚年的花费也在不断增大，这种养老模式能改善“有房没钱”的老年人的现状，拓宽养老的渠道。
Shànghǎi céngjīng shìdiǎn guò “yǐfángyǎnglǎo ”，xiàoguǒ bù hǎo 。zhè cì guówùyuàn yòu tíchūlái le ，yě shì yǒu lǐyóu de 。xiànzài dàduō dōu shì “sìjiāèrjiāyī ”de jiātíng móshì ，dúshēngzǐnǚ yī dài de jiātíng yālì shì hěndà de ，érqiě lǎoniánrén wǎnnián de huāfèi yě zài bùduàn zēngdà ，zhè zhǒng yǎnglǎo móshì néng gǎishàn “yǒufáng méiqián ”de lǎoniánrén de xiànzhuàng ，tuòkuān yǎnglǎo de qúdào 。
Shanghai has tried “using homes to take care of the elderly” once before, and the results weren't good. This time the State Council brought it up again for good reason. Now most people are in “4 2 1” types of families. The pressure on those in the only child generation is extremely great, and the costs for the elderly in their final years continues to rise. This scheme for taking care of the elderly can change the situations of old people “with a house, but no money” for the better, and broaden the avenues for taking care of them.
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