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住房反向抵押养老模式新思考 ——从居住权制度视角出发

New Thinking of Housing Reverse Mortgage Pension Model —From the Perspective of Right of Habitation

Advance in Law / 2021,3(3): 145-154 / 2021-07-01 478 615

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• Authors: 武光会
• Information:

  中南财经政法大学法律硕士教育中心，武汉

• Keywords:
  Reverse mortgage; Use house property as the living means for one’s old age; Right of habitation
  住房反向抵押; 以房养老; 居住权
• Abstract: As one of the many modes of housing pension, the reverse mortgage loan of housing has encountered many obstacles in China, and its existing operation mode can not meet the needs of reality. The entry of residential right not only provides legal support for reverse mortgage of housing, but also expands the main body of real estate transaction, reduces the dependence on market economy, and to some extent eases the problem of limited circulation of rural residential land houses, and opens a new way for the housing pension model. However, the progressive compliance of civil code makes the housing right system lack of integrity since its birth, and can not completely solve all the problems of reverse mortgage of housing. Therefore, we should stimulate the enthusiasm of the elderly to provide for the aged by housing, and constantly improve the housing right system. 住房反向抵押贷款制度作为以房养老诸多模式之一，在我国的实施遭遇重重阻 碍，其现存的运营模式不能满足现实的需要。居住权入典不仅为住房反向抵押 提供了法律支撑，也扩大了房产交易主体、降低了对市场经济的依赖性、一定 程度上缓解了农村宅基地上房屋流转受限问题，为以房养老模式开辟了全新的 选择路径。但是，民法典进步性下的的守成又使居住权制度自诞生之日起就缺 乏完整性，不能完全解决住房反向抵押的全部问题，因此要激发老年人以房养 老的热情，还要不断完善居住权制度。
• DOI: https://doi.org/10.35534/al.0303016
• Cite: 武光会．住房反向抵押养老模式新思考——从居住权制度视角出发［J］．法学进展，2021，3（3）：145-154．