房產活化做為退休養老規劃-以個案為例

我國已邁入「高齡社會」，現今社會正面臨人口加速老化及少子化的衝擊，對於退休金養老規劃的需求將會日趨提升，故本研究主要探討以房養老及房產活化規劃退休養老金案例分析，來進一步探討銀髮族退休金來源。本研究收集選擇三個有共同特性背景個案客戶分別為北、中、南區各擁有房產，身份皆為 60 歲退休族群，有退休金規劃之需求，以「以房養老資產活化」做為退休金規劃為主題。提出四項建議方案分別為「逆向抵押貸款」、「房產賣出投保利率變動型年金商品」、「一般房貸搭配投資型商品」、「留房養老」來探討是否可滿足退休族群退休之生活所需。研究結論顯示，「一般房貸搭配投資型商品」透過個案分析過去績效研究結果，由每月配息金額扣除房貸利息後之餘額，確實有較多餘之資金可做為每月退休金，但仍需考量瞭解理財產品本身架構及風險; 「逆向抵押貸款」雖然每月也有生活費可領取，但醫療科技發達之下，承作人長壽時無剩餘價值可支應長壽之生活問題;「房產賣出投保利率變動型年金商品」每月亦有生活費可領取，但退休者要另覓合適的養老住所及承作前 10 年僅能使用預留之退休老本問題;「留房養老」目前僅能提供都會型地區(雙北市)每月生活費，但相關成本高(修繕費、金錢信託及不動產信託費用)，仍待評估後續辦理之可能性或其他符合退休族群需求之創新商品。

關鍵字

以房養老；逆向抵押貸款；利率變動型年金商品；投資型商品；留房養老

並列摘要

My country has entered into an "aged society", and society is now facing the impact of accelerated population ageing and declining birthrates. The demand for retirement pension planning will increase day by day. Therefore, this research mainly discusses the case of retirement pension planning by housing pension and real estate activation. Analysis to further explore the sources of pensions for the silver-haired people. In this study, three clients with common characteristics and backgrounds are selected as the North, Central, and South districts, each owning real estate. They are all 60-year-old retired ethnic groups, and have pension planning needs, and use "Retirement of Housing Pension Assets" as their retirement. Golden planning as the theme. Four proposals were put forward, namely "reverse mortgage loans", "real estate sales annuity products with insured interest rate changes", "general mortgage with investment products", and "residential retirement" to explore whether it can meet the retirement needs of the retired people. need. The conclusions of the research show that the "General Mortgage Loan Matching Investment Products" analyzes the results of past performance studies through case studies. The balance after deducting the mortgage interest from the monthly coupon amount does have more surplus funds that can be used as monthly pensions, but it still needs Consider and understand the structure and risks of wealth management products; Although "reverse mortgages" can also receive monthly living expenses, under the advanced medical technology, there is no residual value to support the longevity problem of longevity when the undertaker lives; "Insurance interest rate for selling real estate "Variable annuity products" also have monthly living expenses to receive, but retirees have to find a suitable old-age residence and can only use the reserved retirement capital for the first 10 years; "Retirement Pension" currently only provides urban The monthly living expenses in the type area (Shuangbei City), but the related costs are high (repair costs, money trust and real estate trust costs), the possibility of subsequent processing or other innovative products that meet the needs of the retirement community is still to be evaluated..