以房養老在台灣實施的重要性之研究

由於台灣在民國82年已進入聯合國衛生組織所定義的高齡化社會，推估在未來，老年人口會越來越增加，再加上少子化的影響，導致工作人口的短少，而加重了政府對老人照顧方面的財政負擔。所以政府在民國102年推行了內政部版以房養老方案，希望能讓一些有房但無現金收入的年老者安享晚年，?輕政府財政的負擔，但始終無人申請。接著又有北市版以房養老出現，但名額稀少，後來更有多家銀行紛紛推出商業型以房養老，而且有不少老年人申請。由先前冷清到後來的熱絡，以房養老是否有其重要性值得探討，因而引起研究的動機。藉由對現今社會背景的分析，以及收集各相關資料，最後印證以房養老在台灣實施對於老年人、銀行、政府是有其重要性。希望藉此能作為老年人是否申辦的參考及增加各銀行繼續實施以房養老的驅動力，進而減輕政府財政的負擔。

關鍵字

高齡化；少子化；以房養老

並列摘要

Taiwan had entered into an aging society defined by the WHO since 1993, it is estimated that the senior population will increase more and more rapidly. The problem of aging population, combined with the impact of low fertility, resulted in the shortage of working population and added to the financial burdens of the government on elderly care. In 2013, the Ministry of the Interior implemented the Housing Equity program in the hope of letting the elderly population with house but no cash income enjoy their twilight years and reducing financial burden of government. However, nobody applies for the subsidy. Taipei City Government then rolled out a similar program with limited spots. Later, many banks also introduced related commercial plans one after another with quite a few applications. The importance of housing equity became a focus of research interest. Through analyses of current social background and collection of related data, the important of housing equity for the elderly, banks and the government in Taiwan will be verified. The results will provide valuable reference for the government and banks on the implementation of relevant policies.