住建部试点房屋养老金公共账户，22 城探索“房龄”变“钱龄”
为解决住房养老问题，住建部正在22个城市试点建立房屋养老金公共账户，引发社会广泛关注。该试点旨在探索将房屋“房龄”转化为“钱龄”，为老年人提供更可靠的养老保障。
资金来源成关键，多途径探索
目前，试点城市尚未公布具体资金来源，但业内人士分析，资金来源可能包括以下几个方面：
- 房产税或物业税：部分专家建议，可将房产税或物业税的一部分用于房屋养老金公共账户，以此建立起稳定的资金来源。
- 房屋交易税费：房屋买卖、租赁等交易产生的税费，也可纳入房屋养老金公共账户，形成“房龄”变“钱龄”的机制。
- 政府补贴：政府可根据实际情况，对房屋养老金公共账户进行补贴，以确保资金的充足性。
- 个人自愿缴纳：鼓励居民自愿缴纳一定比例的房屋养老金，形成个人储蓄与公共账户相结合的模式。
多重影响待观察，未来发展可期
房屋养老金公共账户的试点，将带来多方面的影响：
- 缓解养老压力：为老年人提供更可靠的养老保障，缓解其经济压力，提高生活质量。
- 促进房产市场健康发展：通过房屋养老金公共账户，引导房产市场理性发展，避免过度炒作。
- 推动社会养老体系完善：探索新的养老模式，完善社会养老体系，为未来养老保障提供更多选择。
专家建议，试点需谨慎推进
专家指出，房屋养老金公共账户的试点，需要谨慎推进，并做好以下工作：
- 完善制度设计：制定合理的资金管理和使用规则，确保资金安全透明。
- 加强信息公开：及时公开试点城市的进展情况，接受社会监督。
- 注重公平公正：确保所有居民都能公平享受到房屋养老金公共账户带来的福利。
目前，房屋养老金公共账户试点还处于探索阶段，未来发展方向尚待观察。但可以预见，该试点将为解决住房养老问题提供新的思路，并对社会养老体系产生深远影响。
英语如下：
Housing Pension Pilot Program: Where Will the Money Come From in 22 Cities?
Keywords: Housing Pension, Pilot Cities, Funding Sources
Ministryof Housing and Urban-Rural Development Pilots Public Housing Pension Accounts, 22 Cities Explore Turning “House Age” into “Money Age”
To address theissue of housing for the elderly, the Ministry of Housing and Urban-Rural Development is piloting public housing pension accounts in 22 cities, sparking widespread publicattention. This pilot program aims to explore converting the “age” of a house into “money age,” providing older adults with more reliable retirement security.
Funding Sources are Key, Multiple Avenues Explored
Currently, the pilotcities have not yet disclosed specific funding sources. However, industry experts analyze that funding sources may include the following aspects:
- Property Tax or Property Tax: Some experts suggest that a portion of property tax or property tax could be used forpublic housing pension accounts, establishing a stable source of funds.
- Housing Transaction Taxes and Fees: Taxes and fees generated from housing sales, rentals, and other transactions could also be included in the public housing pension account, creating a mechanism for turning “house age” into “money age.”
- Government Subsidies: The government can provide subsidies to public housing pension accounts based on actual conditions to ensure sufficient funds.
- Voluntary Personal Contributions: Residents are encouraged to voluntarily contribute a certain percentage of their housing pension, forming a model that combines personal savings with public accounts.
Multiple Impacts to Be Observed, Future Developmentis Promising
The pilot program for public housing pension accounts will have multiple impacts:
- Easing Retirement Pressure: Providing older adults with more reliable retirement security, easing their financial pressure and improving their quality of life.
- Promoting Healthy Development of the Real Estate Market: Guiding the rational development of the realestate market through public housing pension accounts, preventing excessive speculation.
- Promoting the Improvement of the Social Pension System: Exploring new pension models, improving the social pension system, and providing more options for future retirement security.
Experts Suggest Cautious Implementation of the Pilot Program
Experts point out that the pilot programfor public housing pension accounts needs to be implemented cautiously, with the following work done:
- Improving System Design: Establishing reasonable rules for fund management and use to ensure fund safety and transparency.
- Strengthening Information Disclosure: Timely disclosing the progress of the pilot cities, accepting public supervision.
- Focusingon Fairness and Justice: Ensuring that all residents can fairly enjoy the benefits brought by the public housing pension account.
Currently, the pilot program for public housing pension accounts is still in the exploratory stage, and future development directions remain to be observed. However, it is foreseeable that this pilot program will provide new ideas for addressinghousing for the elderly and have a profound impact on the social pension system.
【来源】https://www.zhihu.com/question/665166482
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