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工行客户张文“以房养老”实现退休目标案例
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简介
作者: 张颖 ; 邹亚生 ; 范言慧 ; 郝雨
关键词: 以房养老;退休规划;案例分析
发表日期: 2018-10-10
出版社(学位授予单位): 对外经济贸易大学
随着我国人口老龄化的加剧，养老问题越来越成为社会和家庭关注的焦点。而在我国，基本养老金替代率仍然较低，企业年金的发展仍然处于初级阶段，对于广大的退休人群而言，如何实现养老金的补充供给，实现退休目标，是一个非常重要的议题。而对于很多家庭而言，房产规划也是家庭面临的一项重要理财规划，随着我国房地产市场的不断发展完善，房地产作为商品的投资属性越来越明显，而对于我国的大部分家庭而言，住房也是家庭必不可少的一项固定资产。对于兼具使用价值和投资价值的房地产而言，如何能够利用其实现未来更多的价值收益，为退休目标的实现提供更多的资金支持，是本文讨论的主要内容。本文讨论了“以房养老”的各种方式，包括投资房产养老、住房置换、售后回租以及入住养老院，并且结合具体家庭进行案例分析，在对相关指标进行敏感性分析的前提下，给出相应的理财规划，具有理论指导和实际操作的双重意义。
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