“以房养老”保险,即老年人住房反向抵押养老保险,这是一种将住房抵押与终身养老年金保险相结合的创新型商业养老保险业务,拥有房屋完全产权的老年人,将其房产抵押给保险公司,继续拥有房屋占有、使用、收益和经抵押权人同意的处置权,并按照约定条件领取养老金直至身故;老年人身故后,保险公司获得抵押房产处置权,处置所得将优先用于偿付养老保险相关费用。 “Housing pension” insurance, that is, the elderly housing reverse mortgage pension insurance, which is a combination of housing mortgages and life-long pension insurance innovative commercial pension insurance business, with the full ownership of the housing of the elderly will be The real estate mortgaged to the insurance company, continue to have the possession of the home, use, proceeds and the mortgagee’s right to dispose of, and in accordance with the agreed conditions to receive the pension until death; the elderly died, the insurance company to obtain the right to dispose of the mortgage, Proceeds from disposal will be prioritized for reimbursement of pension-related expenses.