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以房养老

以房养老
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IN THIS LESSON
ID: 2392 Advanced
随着中国老年人口的增加，养老成了中国社会的热门话题。几千年来依靠子女养老的方式在现代社会中越来越失去其作用。那么今后中国人应该如何养老？在传统和现代之间，能不能找到平衡呢？
Vera,David
以房养老
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SIMPLIFIED PINYIN ENGLISH  
以房养老 yǐfángyǎnglǎo to allow the elderly to mortgage their homes for a pension in old age
试点 shìdiǎn trial
反向 fǎnxiàng reverse
抵押 dǐyā mortgage
老公报纸上说以房养老会在2014年上半年开始试点我不太明白以房养老是什么意思啊
lǎogōng 老公bàozhǐ 报纸shàng 上shuō 说yǐfángyǎnglǎo 以房养老huì 会zài 在èrlíngyīsì 2014nián 年shàngbànnián 上半年kāishǐ 开始shìdiǎn 试点wǒ 我bùtài 不太míngbai 明白yǐfángyǎnglǎo 以房养老shì 是shénme 什么yìsi 意思ā 啊
Honey, it says in the newspaper that “using homes to take care of the elderly” will begin trials in the first half of 2014. I don't really understand. What does “using homes to take care of the elderly” mean?
我来给你上上课啊以房养老就是住房反向抵押贷款老年人把自己的房子抵押出去比方说抵押给银行或者保险公司这些金融机构按照房子的价值提供老人养老金老人去世后产权就归机构了
wǒ 我lái 来gěi 给nǐ 你shàngshàngkè 上上课ā 啊yǐfángyǎnglǎo 以房养老jiùshì 就是zhùfáng 住房fǎnxiàng 反向dǐyā 抵押dàikuǎn 贷款lǎoniánrén 老年人bǎ 把zìjǐde 自己的fángzi 房子dǐyā 抵押chūqù 出去bǐfangshuō 比方说dǐyā 抵押gěi 给yínháng 银行huòzhě 或者bǎoxiǎn 保险gōngsī 公司zhèxiē 这些jīnróng 金融jīgòu 机构ànzhào 按照fángzi 房子de 的jiàzhí 价值tígōng 提供lǎorén 老人yǎnglǎojīn 养老金lǎorén 老人qùshì 去世hòu 后chǎnquán 产权jiù 就guī 归jīgòu 机构le 了
Let me give you a lesson on it. “Using homes to take care of the elderly” is a “housing reverse mortgage loan”. Old people can mortgage their homes. For example, it's mortgaged to a bank or insurance company, and these financial institutions will provide money to support these old people based on the value of their homes. When the old people die, ownership of the property will be given to the institutions.
哦是这样啊这会有人接受吗现在房价这么高老百姓辛苦一辈子买套房到头来人财房三空赤条条地来赤条条地走
ò 哦shì 是zhèyàng 这样ā 啊zhè 这huì 会yǒurén 有人jiēshòu 接受ma 吗xiànzài 现在fángjià 房价zhème 这么gāo 高lǎobǎixìng 老百姓xīnkǔ 辛苦yībèizi 一辈子mǎi 买tào 套fáng 房dàotóulái 到头来rén 人cái 财fáng 房sān 三kòng 空chìtiáotiáo 赤条条de 地lái 来chìtiáotiáo 赤条条de 地zǒu 走
Oh, that's what it is. Will people accept this? Nowadays housing prices are so high. Average people work hard their whole lives to buy a house. In the end, the person, their money and their house are all gone, coming into this world with nothing and leaving nothing behind.
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 上海céngjīng 曾经shìdiǎn 试点guò 过yǐfángyǎnglǎo 以房养老xiàoguǒ 效果bù 不hǎo 好zhè 这cì 次guówùyuàn 国务院yòu 又tíchūlái 提出来le 了yě shì 也是yǒu 有lǐyóu 理由de 的xiànzài 现在dàduō 大多dōu 都shì 是sìjiāèrjiāyī 4 2 1de 的jiātíng 家庭móshì 模式dúshēngzǐnǚ 独生子女yī 一dài 代de 的jiātíng 家庭yālì 压力shì 是hěndà 很大de 的érqiě 而且lǎoniánrén 老年人wǎnnián 晚年de 的huāfèi 花费yě 也zài 在bùduàn 不断zēngdà 增大zhè 这zhǒng 种yǎnglǎo 养老móshì 模式néng 能gǎishàn 改善yǒufáng 有房méiqián 没钱de 的lǎoniánrén 老年人de 的xiànzhuàng 现状tuòkuān 拓宽yǎnglǎo 养老de 的qúdào 渠道
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.
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