Feasible Mode Of House For Pension

With the aging degree of deepening, China’s pension issues become increasingly prominent, and explore a wide range of pension model become the focus of increasing concern. Housing Endowment mode as a new pension model, its promotion to improve our pension system has an important significance. Because the majority of Wuhan in central hinterland for the experience, how to crack the second and third tier cities real estate issues and pension issues this "duality equation" is undoubtedly more reference. Therefore, this paper on these issues related to research, analyze viable model, and ultimately " to the Housing Endowment" in the market to propose a solution," to the Housing Endowment" to provide some reference and reference.This paper focuses on the residents of Wuhan City Housing Endowment viable model to the main line, an overview on the whole situation Housing Endowment Wuhan residents, and market equilibrium and prospect analysis, the development path of the Housing Endowment choice in-depth analysis, and further promote Wuhan residents plan to propose a solution to the Housing Endowment.Firstly, the concept to the Housing Endowment were defined, and to the Housing Endowment summarized the characteristics and patterns, the first way is to "reverse mortgage", the second way is to "keep changing room", there is a way to call "to the Housing endowment buffet."Then analyzed the Wuhan City residents to the Housing Endowment viable model, at home and abroad can learn Housing Endowment United States, Canada, Britain, Japan, Singapore patterns were analyzed in simple terms, summed development of the laws of foreign countries, and then learn from the Chinese model were analyzed. Thus Wuhan pension market equilibrium analysis and forecast, analysis of housing reverse mortgage demand function D and the supply function S, and when D=S established housing reverse mortgage market reaches equilibrium. Pointed out that in the context of aging,"to the Housing Endowment" in Wuhan,, in order to explore the development path of the Housing Endowment choice, institutional settings to the Housing Endowment development in Wuhan, the age limit risk aversion, program selection, the principle of calculating payment, mortgage life determine the principles, taxes and capital utilization are put forward their own ideas and thinking, combined with the actual situation in Wuhan, Wuhan suited to the Housing Endowment explore viable development model. Measures to promote further research programs Wuhan Housing Endowment residents. And institutionalization of the main functions of the three aspects involved in positioning, timing stability participation involved a detailed analysis of its way.