将房子抵押给银行、保险公司等金融机构，评估后获得一笔款项，由金融机构按月发放给抵押人用于养老直到其身 故，被抵押房产处置后用于偿还贷款本息，增值部分还有望归抵押权人所有。这样一种和传统按揭方式相反的“倒按揭”养老模式，几年前在国内短暂露脸后归于沉 寂，近期却又掀起了舆论热议。
讨论起始于今年9月29日，全国政协举办的“大力发展我国养老事业”提案办理会上，“以房养老”的提案再度成为公众关注焦点。近期，中信银行又打破金融产品上的坚冰，在业界率先推出养老按揭业务，将“以房养老”在实操方面推进了一步。
且来看这样一组数据，据国家相关部门统计，截至目前，中国有60岁以上老人1.78亿，占总人口的13.3%。其中失能和半失能老人约3171 万人，大中城市空巢家庭高达70%。近年来，随着老龄化速度的加快，中国已逐步步入老龄化社会，“养老”成为社会保障体系面临的一个非常严峻的问题。Continue
XIAMEN, Oct. 27 (Xinhua) — Although they have three children, 69-year-old Xia Xiuyun and her husband insist on living independently under their own roof, in the southeastern coastal city of Xiamen.
The retired couple are among the increasingly large numbers of “empty nesters” departing the Chinese tradition of reaching old age and moving to live with sons or daughters. While many in her position would have been expected to accept care from one or more of their family members, Xia and her husband are happy to live alone. “They are too busy with their jobs and their children, and we don’t want to disturb them,” Xia says of her immediate family.
They are helped in their bold approach by Xiamen’s trials of “aging in-home services”. At the Shengguang Community where they live, the couple get free physical checks, and enjoy a team of volunteers cleaning their house, delivering meals and more. Now, cities including Dalian, Nanjing and Shanghai are exploring similar initiatives for caring for the elderly. Continue reading
Jane Gross is a former New York Times reporter and the author of “A Bittersweet Season: Caring for Our Aging Parents — and Ourselves.”
HERE is the dirty little secret of health care in America for the elderly, the one group we all assume has universal coverage thanks to the 1965 Medicare law: what Medicare paid for then is no longer what recipients need or want today.
No one then envisioned the stunning advances in medicine that now keep people alive into advanced old age, often with unintended and unwelcome consequences. Indeed, scientific reports have showed the dangers, not merely the pointlessness and expense, of much of the care Medicare is providing. Continue
