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By mid century encounter peak fertility and family planning come one after another, to the beginning of this century. China accounted for the proportion of the elderly population is relatively large, but relatively few young accounted for the proportion of the population, in the face of reality, countries are not rich, and the social problem of aging population ismore prominent. According to the experts, in a recent period of time. Chinese society will be composed of a mild aging society gradually transition to the height of the aging society.A sharp increase in the number of elderly people, brought hitherto unknown challenge to the pension system in china. For housing reverse mortgage insurance related issues in2013 the State Council issued "on accelerating the development of pension services a number of opinions" has been mentioned, the new model house-for-pension scheme was put on the agenda again. This paper analyzes the various modes of housing endowmentand its possibility of implementation of the significance, and carry out the reverse mortgagein our country has certain living space, so as to improve the existing system.
The first part of this paper, the concept of the understanding of the house-for-pension scheme, with house-for-pension scheme lists several types of patterns. The essence ofmining, house-for-pension scheme in the necessity and the. At the same time, the differenttypes of reverse mortgage and traditional mortgage is also introduced.
In the second part, the house-for-pension scheme in the overseas development statuswere introduced, and analysis of the house-for-pension scheme in our country's development prospects and problems and difficulties. Success and through our problemsand carry out the system of combining foreign experience, to carry out the analysis by thenecessity and feasibility of the housing endowment in china.
The third part of this paper, the specific examples of reverse mortgage are explained a series of topics, for which the borrower's age and specific problems are described, and thedescription and analysis of the borrower's qualifications, according to different situations,which have different characteristics, analysis of the legal problems encountered in our country, and the proposed solutions.
In the fourth part, introduced to enjoy the contract in specific issues and set the contractrights and obligations. For the design of the legal system construction and put forward some ideas.
By reference to the western advanced theory and experience, on house-for-pension scheme implementation in our country and puts forward some constructive opinions and suggestions, for the future in China healthy development plays a certain role in paving the way to.
Keywords: house-for-pension scheme, model, feasibility
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In the face of the baby boom in the mid and followed family planning, to the beginning of this century. The proportion of the elderly population is relatively large, while the proportion of the young population is relatively small, in the face of reality, yet rich countries, while population aging society is indeed more prominent. According to the experts predict that in the most recent period. Chinese society will gradually transition from a mild aging society to the level of an aging society. A sharp increase in the number of elderly people, for our pension system has brought unprecedented challenges. For housing-related issues are also insured reverse mortgage in 2013 the State Council issued the "Opinions on Accelerating the Development of pension services" has been mentioned, the new model to the Housing Endowment again been put on the agenda. This paper analyzes the specific meaning to the various modes and the Housing Endowment realistic possibility of its implementation, as well as carry out the reverse mortgage in our country whether a certain living space, which is more complete original system.

The first part, through the concept to the Housing Endowment understanding, including several types conform to the Housing Endowment mode. It described its essence, the necessity and the reason appears to the Housing Endowment appear in our excavation. Also describes the different types of reverse mortgage points and general traditional mortgage.

The second part of this article, to the Housing Endowment for the development of the situation in foreign countries are described and analyzed the problems and difficulties to the Housing Endowment in China's development prospects and the encounter. And through our problems in conjunction with the success of the system to carry out the lessons learned abroad, on the necessity and feasibility of the implementation of the Housing Endowment to be analyzed.

The third part of this article, the specific examples of reverse mortgage to issue appropriate instructions to do a series, for which the age and the problems of specific borrowers have been described, and the description and analysis of the borrower's eligibility for different situations, its have different characteristics, the analysis of the legal issues we encounter realize and propose solutions ideas.

The fourth part of this article, describes the rights and obligations set specific problems in terms of the contract and enjoyed afford. For legal system construction and design put forward some ideas.

Learn from advanced Western theory and experience by reference, to the Housing Endowment in our specific implementation put forward some constructive opinions and suggestions for the future of their health in the smooth development of our country have played a role in paving the way.

Keywords: Housing Endowment mode, the real possibility