随着我国人口老龄化的加剧，养老问题越来越成为社会和家庭关注的焦点。而在我国，基本养老金替代率仍然较低，企业年金的发展仍然处于初级阶段，对于广大的退休人群而言，如何实现养老金的补充供给，实现退休目标，是一个非常重要的议题。而对于很多家庭而言，房产规划也是家庭面临的一项重要理财规划，随着我国房地产市场的不断发展完善，房地产作为商品的投资属性越来越明显，而对于我国的大部分家庭而言，住房也是家庭必不可少的一项固定资产。对于兼具使用价值和投资价值的房地产而言，如何能够利用其实现未来更多的价值收益，为退休目标的实现提供更多的资金支持，是本文讨论的主要内容。本文讨论了“以房养老”的各种方式，包括投资房产养老、住房置换、售后回租以及入住养老院，并且结合具体家庭进行案例分析，在对相关指标进行敏感性分析的前提下，给出相应的理财规划，具有理论指导和实际操作的双重意义。
"
["minPrice"]=>
string(4) "0.00"
["maxPrice"]=>
string(4) "0.00"
["discountId"]=>
string(1) "0"
["images"]=>
array(3) {
["large"]=>
string(75) "http://www.chinadatacase.com/files/course/2023/05-05/162432035eeb036914.png"
["middle"]=>
string(75) "http://www.chinadatacase.com/files/course/2023/05-05/162432036b88120646.png"
["small"]=>
string(75) "http://www.chinadatacase.com/files/course/2023/05-05/162432037204709182.png"
}
["ratingNum"]=>
string(1) "0"
["rating"]=>
string(1) "0"
["hitNum"]=>
string(3) "432"
["hotSeq"]=>
string(1) "0"
["maxPriceObj"]=>
array(2) {
["currency"]=>
string(3) "RMB"
["amount"]=>
string(4) "0.00"
}
["minPriceObj"]=>
array(2) {
["currency"]=>
string(3) "RMB"
["amount"]=>
string(4) "0.00"
}
["minDisplayPrice"]=>
string(4) "0.00"
["maxDisplayPrice"]=>
string(4) "0.00"
["minDisplayPriceObj"]=>
array(2) {
["currency"]=>
string(3) "RMB"
["amount"]=>
string(4) "0.00"
}
["maxDisplayPriceObj"]=>
array(2) {
["currency"]=>
string(3) "RMB"
["amount"]=>
string(4) "0.00"
}
["canManage"]=>
bool(false)
["peopleShowNum"]=>
string(3) "148"
["isMember"]=>
bool(false)
["status"]=>
string(9) "published"
["orgId"]=>
string(1) "1"
["orgCode"]=>
string(2) "1."
["recommendWeight"]=>
string(1) "0"
["recommendedTime"]=>
string(1) "0"
["createdTime"]=>
string(25) "2022-07-22T16:49:46+08:00"
["updatedTime"]=>
string(25) "2025-12-13T01:42:25+08:00"
["product"]=>
array(7) {
["id"]=>
string(3) "814"
["targetType"]=>
string(6) "course"
["title"]=>
string(60) "工行客户张文“以房养老”实现退休目标案例"
["owner"]=>
string(2) "71"
["createdTime"]=>
string(10) "1658479786"
["updatedTime"]=>
string(10) "1751257776"
["target"]=>
array(17) {
["id"]=>
string(3) "850"
["type"]=>
string(6) "normal"
["title"]=>
string(60) "工行客户张文“以房养老”实现退休目标案例"
["subtitle"]=>
string(0) ""
["summary"]=>
string(1383) " 随着我国人口老龄化的加剧，养老问题越来越成为社会和家庭关注的焦点。而在我国，基本养老金替代率仍然较低，企业年金的发展仍然处于初级阶段，对于广大的退休人群而言，如何实现养老金的补充供给，实现退休目标，是一个非常重要的议题。而对于很多家庭而言，房产规划也是家庭面临的一项重要理财规划，随着我国房地产市场的不断发展完善，房地产作为商品的投资属性越来越明显，而对于我国的大部分家庭而言，住房也是家庭必不可少的一项固定资产。对于兼具使用价值和投资价值的房地产而言，如何能够利用其实现未来更多的价值收益，为退休目标的实现提供更多的资金支持，是本文讨论的主要内容。本文讨论了“以房养老”的各种方式，包括投资房产养老、住房置换、售后回租以及入住养老院，并且结合具体家庭进行案例分析，在对相关指标进行敏感性分析的前提下，给出相应的理财规划，具有理论指导和实际操作的双重意义。
"
["cover"]=>
array(3) {
["large"]=>
string(75) "http://www.chinadatacase.com/files/course/2023/05-05/162432035eeb036914.png"
["middle"]=>
string(75) "http://www.chinadatacase.com/files/course/2023/05-05/162432036b88120646.png"
["small"]=>
string(75) "http://www.chinadatacase.com/files/course/2023/05-05/162432037204709182.png"
}
["status"]=>
string(9) "published"
["studentNum"]=>
string(3) "148"
["discountType"]=>
string(8) "discount"
["discount"]=>
string(2) "10"
["minCoursePrice"]=>
string(4) "0.00"
["maxCoursePrice"]=>
string(4) "0.00"
["defaultCourseId"]=>
string(3) "853"
["productId"]=>
string(3) "814"
["goodsId"]=>
string(3) "814"
["minCoursePrice2"]=>
array(2) {
["currency"]=>
string(3) "RMB"
["amount"]=>
string(4) "0.00"
}
["maxCoursePrice2"]=>
array(2) {
["currency"]=>
string(3) "RMB"
["amount"]=>
string(4) "0.00"
}
}
}
["extensions"]=>
array(3) {
[0]=>
string(8) "teachers"
[1]=>
string(14) "recommendGoods"
[2]=>
string(10) "isFavorite"
}
["specs"]=>
array(1) {
[0]=>
array(26) {
["id"]=>
string(3) "817"
["goodsId"]=>
string(3) "814"
["targetId"]=>
string(3) "853"
["title"]=>
string(0) ""
["seq"]=>
string(1) "1"
["status"]=>
string(9) "published"
["price"]=>
string(4) "0.00"
["coinPrice"]=>
string(4) "0.00"
["usageMode"]=>
string(7) "forever"
["usageDays"]=>
string(1) "0"
["usageStartTime"]=>
string(1) "0"
["usageEndTime"]=>
string(1) "0"
["buyableStartTime"]=>
string(1) "0"
["buyableEndTime"]=>
string(1) "0"
["buyableMode"]=>
NULL
["buyable"]=>
string(1) "1"
["maxJoinNum"]=>
string(1) "0"
["services"]=>
array(0) {
}
["priceObj"]=>
array(2) {
["currency"]=>
string(3) "RMB"
["amount"]=>
string(4) "0.00"
}
["displayPrice"]=>
string(4) "0.00"
["displayPriceObj"]=>
array(2) {
["currency"]=>
string(3) "RMB"
["amount"]=>
string(4) "0.00"
}
["isMember"]=>
bool(false)
["access"]=>
array(2) {
["code"]=>
string(14) "user.not_login"
["msg"]=>
string(15) "用户未登录"
}
["hasCertificate"]=>
bool(false)
["learnUrl"]=>
string(42) "http://www.chinadatacase.com/my/course/853"
["teachers"]=>
array(2) {
[0]=>
array(6) {
["id"]=>
string(1) "3"
["nickname"]=>
string(5) "admin"
["title"]=>
string(1) " "
["uuid"]=>
string(40) "634d3b58166bfafd4069119be97ee6bfee064c52"
["destroyed"]=>
string(1) "0"
["avatar"]=>
array(3) {
["small"]=>
string(75) "http://www.chinadatacase.com/files/user/otherform/1711697442_1722994936.png"
["middle"]=>
string(75) "http://www.chinadatacase.com/files/user/otherform/1711697442_1722994936.png"
["large"]=>
string(75) "http://www.chinadatacase.com/files/user/otherform/1711697442_1722994936.png"
}
}
[1]=>
array(6) {
["id"]=>
string(2) "71"
["nickname"]=>
string(6) "admin2"
["title"]=>
string(5) "admin"
["uuid"]=>
string(40) "0594022bb8ab8bc17c0faad10ac9e108223f750e"
["destroyed"]=>
string(1) "0"
["avatar"]=>
array(3) {
["small"]=>
string(73) "http://www.chinadatacase.com/files/user/2023/03-09/0913415c02ed921676.png"
["middle"]=>
string(73) "http://www.chinadatacase.com/files/user/2023/03-09/0913415bfc8f030926.png"
["large"]=>
string(73) "http://www.chinadatacase.com/files/user/2023/03-09/0913415bee27724865.png"
}
}
}
}
}
}
{
"i18nChapterName": "章",
"i18nUnitName": "节",
"i18nLessonName": "课时",
"i18nTaskName":"任务"
}
{
"text": {
"icon": "es-icon es-icon-graphic",
"name": "图文"
}
,
"video": {
"icon": "es-icon es-icon-video",
"name": "视频"
}
,
"audio": {
"icon": "es-icon es-icon-audio",
"name": "音频"
}
,
"live": {
"icon": "es-icon es-icon-entry-live",
"name": "直播"
}
,
"discuss": {
"icon": "es-icon es-icon-discuss",
"name": "讨论"
}
,
"flash": {
"icon": "es-icon es-icon-flash",
"name": "Flash"
}
,
"doc": {
"icon": "es-icon es-icon-document",
"name": "文档"
}
,
"ppt": {
"icon": "es-icon es-icon-ppt",
"name": "PPT"
}
,
"testpaper": {
"icon": "es-icon es-icon-examination",
"name": "考试"
}
,
"homework": {
"icon": "es-icon es-icon-task",
"name": "作业"
}
,
"exercise": {
"icon": "es-icon es-icon-exercise",
"name": "练习"
}
,
"download": {
"icon": "es-icon es-icon-downloadfile",
"name": "下载资料"
}
,
"cases": {
"icon": "es-icon es-icon-school",
"name": "实验"
}
}
1765847570
