The Model Of "Selling Houses To Live Out The Aged Lives In Retirement"-A New View Of "Old-age Guarantee"

The model of "Selling Houses to live out the aged lives in retirement" is a completely new visual angle to research into the social old-age guarantee problems; it is also an effective way and method to resolve the actual old-age guarantee problems and a beneficial supplement to the social old-age guarantee system.This article sets forth systematically the advancing background and theoretical foundation of the model of "Selling Houses to live out the aged lives in retirement", and carried out deep discussion, evaluation and analyze of its feasibility and active effect.The key of the practice of the model of "Selling Houses to live out the aged lives in retirement" relies on its practicality and operationallity. The article emphasizes on the regulation arrangements and mechanism operation to research and expound. The operation thoughts, operation mechanism, applicable objects and basic elements of the model have been clarified; the centered on and difficult links such as Calculation of Payment per Installment have been analyzed and expounded in detail. Three elements involved in the calculation formula i.e. the Selling Price of the House, the Predicted Surviving Life and Providing Coefficient have been analyzed respectively, thus put forward an adjustment concept of "Long-term actions could be separated into stages, settled standards could be adjusted", the article analyzed the risk undertaking system of the difference between the predicted surviving life and the actual surviving life, and at the same time carried out a economic comparison analyze of the retained old-age guarantee and removed old-age guarantee.