终生年金制房产交易，法国房地产交易的未来

发布时间：2018-03-26 11:30

本文选题：终生年金制房产交易　切入点：种群进化　出处：《华中科技大学》2014年硕士论文

【摘要】：“终生年金制房产交易”是法国的一种房地产交易方式，买方可以通过这种交易而获得房产的继承权。交易定价由两部分组成。一部分是首先要支付给卖房人“购房费”，另一部分则是支付到卖房人去世前的定期养老金。而这两部分构成的购房成本一般仅占总房价的20%，收益则根据通货膨胀的情况而定。本文讨论了卖房人所获得的一系列好处，其中之一是可以继续获得房屋的使用权同时改善自己的生活。而对于买房人而言，本文也详述了其受益情况。其中之一是，可以以更便宜的价格购房。 “终生年金制房产交易”曾经是交易方式中一种非常普遍的方式，特别是在十九世纪，当时还没有明显的保险和回报机制。而在二十世纪也是非常少见的。然而，自从在其流行起来的十年间，特别是从2005年到2008年，这个市场实现了翻倍。本文的主要目的是阐述这种“终生年金制房产交易”新的生机。本文由六个部分组成。首先会介绍“终生年金制房产交易”的多种方式和买卖双方的优劣势。然后，本文会深度剖析其计算机理以及专家如何运用这种交易方式。更进一步地，本文将会研究其进化方式和所产生的伦理争论。最后，本文将会讨论其在法国的交易前景。
[Abstract]:"Life annuity real estate transaction" is a kind of real estate transaction in France. The buyer can acquire the right to inherit the property through such a transaction. The transaction is priced in two parts. One is to pay the seller a "purchase fee" first, and the other is to pay a fixed pension until the seller dies. The cost of buying a house is usually only 20% of the total house price, and the income depends on inflation. This paper discusses a series of benefits to the seller. One is that you can continue to get the right to use your house and improve your life. And for buyers, this article details the benefits. One is that you can buy a house at a cheaper price. "Life annuity real estate trading" was once a very common form of trading, especially in the nineteenth century, when there was no obvious mechanism for insurance and return, and it was very rare in the twentieth century. Since the decade of its popularity, especially from 2005 to 2008, The main purpose of this paper is to expound the new vitality of this "lifetime annuity real estate transaction". This paper is composed of six parts. First, it introduces the various ways and means of "lifetime annuity real estate transaction" The pros and cons of the buyer and the seller. Then, This paper will give a deep analysis of its computer theory and how experts use it. Furthermore, this paper will study its evolution and ethical arguments. Finally, this paper will discuss the prospect of its transaction in France.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F299.565

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