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.