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新京报:“房屋以旧换新式养老”值得尝试

新京报:“房屋以旧换新式养老”值得尝试
2018-07-22 02:26 新京报
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  原标题:“房屋以旧换新式养老”值得尝试 

  一家之言

  通过房屋“以旧换新”实现养老条件升级换代,丰富了养老住房产品的供给,也是值得尝试的探索。

  在人们的印象中,家电、汽车等行业实行“以旧换新”的政策屡见不鲜。但购买一套数百万元的房产也能采用这一方式,却不多见。据当地媒体报道,无锡一个养老公寓从去年底推出房屋“以旧换新”的政策后,引起了很多购房者的关注。

  通过房屋以旧换新实现养老品质的提升,和“以房养老”有相似之处,但本质上却有很大差异。

  具体说来,是先由开发商开发建设一些具有养老优势,更加适合老年人居住和生活的养老小区,那些拥有自己的住宅但这些住宅却不适合养老的老年人,就可以用自己的房子去置换开发商的“养老型住宅”,从而实现“房屋以旧换新式养老”。

  特别是那些上下楼行动不便的老年人,搬进“养老型住宅”,不但原来的问题可以迎刃而解,而且“养老型小区”和“养老型住宅”所拥有的硬件设施、软件服务,都会让老年人的生活品质得到有效提升,让他们的晚年生活更加便利,也让老人子女少了很多后顾之忧。

  这里需要说明的有两点:一是开发商开发的“养老型住宅”,并非只有换房才能居住,同样会和其他商品房一样在市场上出售。

  其二,所谓的“以旧换新”并不是简单地拿老人的房子换开发商的房子,而是由第三方机构对老人的房屋进行评估,以评估的价格作为“养老型住宅”的购房款,如果不够,再由老人补齐差价即可。

  该模式对老人之所以有吸引力,就是因为不用老人自己去进行房屋的买卖,而只需经过第三方机构对自己房屋的价格进行评估即可。其他一切售房、换房的环节,都由开发商完成。对于年事已高、精力不济的老年人群体来说,无疑增加了便利度。

  值得一说的是,近年来很多地方都开展了养老方面的新尝试。比如“抱团养老”“共有产权养老房”“租房入院养老”。这些也为“老有所养”提供了更多样化的选择。

  而通过房屋“以旧换新”实现养老条件升级换代,丰富了养老住房产品的供给,也是值得尝试的探索。在做好风险把控和科学设计的基础上,让这类个性化养老模式得以推广,也不是坏事。

  □苑广阔(职员)

责任编辑:张岩

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