新闻热词：“以房养老”受争议
Senior citizens sleep at a daytime service center in Shanghai in April. The
city has 3.67 million people aged 60 or older, accounting for 25.7 percent of
its registered population.
More than 70 percent of elderly people in Shanghai are open to a
house-for-pension program, a survey showed, despite a recent public outcry
against the idea raised in a central government document.
虽然近期公众对国务院提出的“以房养老”建议表示不满，但近期一项调查显示，上海有70%以上的老人表示愿意接受“以房养老”。
“以房养老”的英文表达为house-for-pension program/scheme，也被称为reverse mortgage
loan(住房反向抵押贷款/倒按揭)，指房屋产权拥有者把房子抵押给银行、保险公司等金融机构(deed the house to an insurance
company or bank)，后者在综合评估后，每月给房主发放固定养老金。房主身故后，由该机构收回房屋进行销售、出租或拍卖。
目前，我国已经迈入aging of population(人口老龄化)阶段。此次国务院发布的指导意见还指出，我国将进一步发展home-based
care services(居家养老服务)，类似的还有community nursing service(社区养老)。同时普及endowment
insurance(养老保险)，并为80岁以上的老年人发放old age allowance(高龄津贴)，解决老年人的后顾之忧。
(兼职编辑：段保净）
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