北京航空航天大学学报(社会科学版) ›› 2018, Vol. 31 ›› Issue (4): 53-59.DOI: 10.13766/j.bhsk.1008-2204.2018.0100

• 公共政策与治理 • 上一篇    下一篇

英国住房转换计划对中国以房养老的启示

吴安青   

  1. 北京航空航天大学 法学院, 北京 100083
  • 收稿日期:2018-04-03 出版日期:2018-07-25 发布日期:2018-07-26
  • 作者简介:吴安青(1974-),男,安徽宿松人,博士研究生,研究方向为民商法与资产管理.

Home Reversion Schemes in UK and Its Enlightenment for China

WU Anqing   

  1. Law School, Beijing University of Aeronautics and Astronautics, Beijing 100083, China
  • Received:2018-04-03 Online:2018-07-25 Published:2018-07-26

摘要:

居家型以房养老意在将住房的部分交换价值提前释放出来,用于改善老年生活。英国通过住房资产释放计划开展以房养老,该计划包括终身抵押贷款和住房转换计划两种类型。前者属于反向抵押贷款模式,后者则是售房养老的变形。反向抵押贷款模式虽然占据市场垄断地位,但是其中蕴含难以克服的风险因素。实际上很少被关注的住房转换计划却具有资产转换率高、利率风险低、寿命风险低等优点,也更符合人口预期寿命不断延长的社会现实。中国以房养老处于起步阶段,借鉴英国住房转换计划,结合当前中国开展的共有产权保障性住房建设,构建具有中国特色的以房养老制度,是非常有意义的尝试。

关键词: 住房转换计划, 住房资产释放, 以房养老, 反向抵押, 产权共有

Abstract:

Home-based type of house-for-pension scheme is used to release some of the exchange value of housing in advance to improve the elderly life. House-for-pension in the UK is carried out through the Home Equity Release Scheme, mainly including life-long mortgage loans and home reversion scheme. The former is a reverse mortgage model, while the latter is a variant of sale-leaseback. Although the reverse mortgage occupies a monopoly position in the market, it contains insurmountable risks. In fact, the home reversion scheme that is rarely paid attention to has the advantages of high asset conversion rate, low interest rate risk, and low life cycle risk. It is more in line with the social reality that the life expectancy of the population is prolonging. China's house-for-pension scheme is in its infancy. It is a very meaningful attempt to build a house-for-pension scheme with Chinese characteristics by learning from the UK home reversion scheme, based on the experiences in construction of shared-ownership and affordable housing in China.

Key words: home reversion scheme, home equity release, house-for-pension, reverse mortgage, shared-ownership home

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