Not long ago, a survey has found the ninety percent of the "80" to identify himself unable to support their parents, among them, more than half also need parents funding. Because of China's one-child policy, many young couples face four old man, a child's "421" family structure, will assume greater pressure to support the old. Retirement with house (in old people will mortgages to financial institutions, has the stable income annuity, died house property to the mortgagee) seems to be solve many family endowment Discount sunglasses to their problem. But China to implement room endowment, there are three big obstacle: first of all, will be left to their children is China property are common, a deeply rooted traditional concept. Many Chinese parents ever since the child, the chief aim of man is for children continue to contribute. Most of the young people in the purchase cost high to support their parents a important reason, is for children older purchase capital contribution. In the United States, and some young people advocate independent country, young people than China to purchase age for the first time about 10 years later, easing supply and demand, the price of the house but cheaper. So although not for children leave housing, both reduce the economic burden of the children to support, and can promote the children struggled, but very few have the parents are willing to "selfish" will go out to the mortgage. Second, China's property is not completely property rights. Land access time only 70. In old people have used several decades of real estate, mortgage out now, two hundred and thirty years later, the land access time is running out. In theory, the land use right after the end of the term, to pay the land grant fee by the way, will access continue. But the value of the largest city property on one hand is a land, the real construction cost but is trivial, if the pay of land sell one's own things, financial institutions are willing to pay a mortgage of the annuity is very little; On the other hand even if land access time can continue, the service life of the building is more limited and not be able to more than 70 years. Perhaps is the bank has considered these problems, the bank acceptable mortgages, mark is more room age smaller must bridal chamber, and not of the construction of the early years old. Third, the future housing may not like this valuable. At present in old people NFL hats commonly have room changes room, when only pay a very small the purchase price. After more than 10 years of real estate bull market, the value added one hundred times on the is not rare. Today, China's population bonus now crossing peak, from 1990 years before and after the new population continues to decline, will also lead to future in the age of the number of young people that buy a house continues to decline. The most important is, China's current house prices, no matter from the housing price to income than, or from the house price and rental income than to see, all has the big bubble. At present in old people, the future, after the death of the value of the property giant, will be the second generation from their body, third generation to cash. Great real estate appreciation, in the supply of cash, the housing price will face more pressure.