本文選題：以房養(yǎng)老 + 第三方抵押貸款�。� 參考：《天津商業(yè)大學(xué)》2015年碩士論文

【摘要】：我國(guó)已經(jīng)正式步入老齡化社會(huì),養(yǎng)老問(wèn)題是一個(gè)嚴(yán)峻的社會(huì)問(wèn)題,是創(chuàng)建和諧社會(huì)無(wú)法避免、必須面對(duì)的挑戰(zhàn)。開(kāi)拓發(fā)展新型的養(yǎng)老模式變得十分必要。通過(guò)以房養(yǎng)老第三方抵押貸款合同來(lái)解決有房屋產(chǎn)權(quán)的老年人養(yǎng)老問(wèn)題具有一定的可行性,其代表是津工超市的“養(yǎng)老幸福樹(shù)”項(xiàng)目。該項(xiàng)目開(kāi)展的比較成功,具有很強(qiáng)的實(shí)踐意義。有必要從以房養(yǎng)老第三方抵押貸款合同的視角進(jìn)行探討,探究合同各方當(dāng)事人主體的權(quán)利和義務(wù)關(guān)系。本文主要采用比較和邏輯分析兩種方法,從以房養(yǎng)老第三方抵押貸款合同的含義入手,闡述該合同具有抵押方的特定性、房屋所有權(quán)和居住權(quán)的存續(xù)性、房屋剩余交換價(jià)值的穩(wěn)定性等特征。進(jìn)一步辨析了該合同與以房養(yǎng)老反向抵押貸款合同的不同之處。通過(guò)借鑒其他國(guó)家關(guān)于以房養(yǎng)老業(yè)務(wù)的相關(guān)規(guī)定,結(jié)合我國(guó)老年人的現(xiàn)狀,界定以房養(yǎng)老第三方抵押貸款合同的抵押方為具有民事行為能力、擁有相應(yīng)產(chǎn)權(quán)的房屋且年齡達(dá)到65歲及以上的老年人;借款方需要達(dá)到在中國(guó)大陸經(jīng)營(yíng)時(shí)間超過(guò)5年、具有良好的償債能力等條件。貸款方則為國(guó)有商業(yè)銀行。在該合同中,借款方主要享有知情權(quán)和任意解除權(quán),同時(shí)承擔(dān)告知義務(wù)、合理使用房屋的義務(wù)以及繳納相關(guān)費(fèi)用義務(wù)。借款方主要享有合理使用貸款的權(quán)利,承擔(dān)信息披露義務(wù)和保證義務(wù),同時(shí)需要提供養(yǎng)老服務(wù)。貸款方享有抵押權(quán),承擔(dān)信息披露義務(wù)、協(xié)助義務(wù)和告知義務(wù)。通過(guò)對(duì)權(quán)利義務(wù)的相關(guān)理論剖析,以期周到地保護(hù)以房養(yǎng)老第三方抵押貸款合同各方主體的正當(dāng)權(quán)益。
[Abstract]:Our country has formally stepped into the aging society, the pension problem is a severe social problem, is the inevitable challenge to build a harmonious society, must face. It is necessary to develop a new pension model. It is feasible to solve the problem of old-age pension with housing property right by means of the third party mortgage loan contract of housing for the aged, which is represented by the project of "endowment happiness tree" in Tianjin Gong supermarket. The project has been carried out successfully and has strong practical significance. It is necessary to probe into the relationship between the rights and obligations of the parties to the contract from the perspective of the third party mortgage contract. This paper mainly adopts two methods of comparison and logic analysis, starting with the meaning of the third party mortgage loan contract for the housing for the aged, expounds that the contract has the particularity of the mortgagor, the existence of the house ownership and the right of residence. The stability of the house surplus exchange value and so on. The difference between the contract and the reverse mortgage loan contract is further analyzed. By drawing lessons from the relevant provisions of other countries on the housing old-age care business, combined with the current situation of the elderly in China, define the mortgagor of the third party mortgage contract of housing endowment as the civil capacity. Those who have the corresponding property right and are 65 years old and above, the borrowers need to have more than five years of operation in mainland China, and have good solvency and other conditions. The lenders are state-owned commercial banks. In this contract, the borrower mainly enjoys the right to know and the right to be discharged at will, and at the same time undertakes the obligation of informing, the obligation to use the house reasonably and the obligation to pay the related expenses. The borrower mainly enjoys the right to use the loan reasonably, undertakes the obligation of information disclosure and guarantee, and needs to provide old-age service. The lender shall enjoy the mortgage and undertake the obligation to disclose information, assist and inform. Through the theoretical analysis of the rights and obligations, the author hopes to protect the legitimate rights and interests of the parties to the third party mortgage contract.
【學(xué)位授予單位】：天津商業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：D923.6

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