Property investment is common among Chinese society. House-for-pension has become one of the plans for retirement. However, under the high property price, self-owned properties might not be the best option as house-for-pension.
Self-owned properties could not generate income. Reverse mortgage could be one of the ways to provide cash flow, but this scheme does not allow transferring the property to the next generation. And cash out from properties is not flexible enough. In order to achieve house-for-pension, a more detailed and innovative financial operation is needed. For instance, refinancing and investing in stable financial tools to cash out from interest rate differences. This is the way to get full control of your property and achieve asset activation.
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