我国人口老龄化时代即将来临，但是还没有富裕，国家也没有如此大的能力全面实现公益养老，由于计划生育政策的缘故，在老龄化时期，青壮年养老负担巨大，多数力不从心。国家提倡以房养老，但是需要舍弃产权为代价，这让绝对多数人不能接受。

现介绍一种不舍弃房屋产权的以房养老解决方案，以自有产权房屋抵押贷款，用于安装《企祉蓝》家庭风力发电系统（室内、室外版两种）。这套系统可以除去自家用电消耗外，还可以并网创收，以城市居民住宅100平方米为例，安装10瓦千发电设备，每年至少发电30000度以上，除掉自用部分，至少收入20000元人民币以上。如果安装更多，收入就更多。如此系统安装，即使是80岁90岁高龄也可以有收入，无需劳动。起码在经济上可以解决养老问题，没有未富先老之说。

本系统可以与《企祉蓝》供暖系统结合在一起使用，即没有运行费用还没有任何排放，实为利国利民利后代。

操作建议：以房产抵押贷款安装，还贷同时收益

                                          白峻光                          

                     2015年12月29日于山东省滨州市

Housing Endowment losing property

   China's aging population era is approaching, but not yet rich, countries do not have such a great ability to fully realize the welfare pension, since the reason the family planning policy in the aging period, the young endowment huge task, most powerless.

   The state promotes the Housing Endowment, but need to give up the cost of property, which makes absolutely unacceptable to most people.

   This paper introduces a not abandon the property rights to the Housing Endowment solutions. Install “Qi Zhilan” home wind power systems (indoor, outdoor version of the two). The system can solve their own electricity consumption, and net income also. For example: city residential 100 square meters, installed 5000W power generation equipment, power generation for at least 30,000 degrees each year, get rid of occupied part of income of at least 20,000 yuan or more. If you install more and more income. So system installation, even 80 years 90 years old can have income without labor. At least in the economy can solve the pension problem, not old before getting rich he said.

    This system can be combined with the "stand-being blue" heating system used together, ie no operating costs does not have any emissions, in fact benefits the country and benefit future generations.

   Action proposed: In real estate mortgages installation, while income repayment

Bai Junguang

December 29, 2015 in Binzhou City, Shandong Province