近期突发的香港火灾，让老房子以及高层住宅的安全问题备受关注。"老龄房"能否提前通过"体检"，防患于未然 呢？ 今年10月，住建部部长倪虹阐述了"十五五"时期推动房地产高质量发展的六大重点任务，明确要求"建立房屋全生 命周期安全管理制度"。而房屋体检制度正是"建立房屋全生命周期安全管理制度"的重要一环。 近日，包括杭州、郑州、长沙、南通在内的多个城市加快推进房屋体检，探索尝试体检资金来源的多元化，进一 步推进房屋全生命周期安全管理。 "老龄房"如何展开体检？体检不达标怎么办？体检资金又从何处来呢？ 政策助力： 推进"老龄房"体检，多地细则出台 随着我国"老龄房"数量逐年增加，推进"老龄房"体检工作迫在眉睫。据住建部2024年住房发展报告，全国已有超 过2.1亿套房龄在25年以上的住宅，约占城镇住宅总量的38.7%。 从去年开始，住建部就提出加快推进房屋定期体检、房屋保险、房屋养老金三项制度建设。今年以来，多个试点 城市按照党中央、国务院关于房屋全生命周期安全管理工作的决策部署，加快建立城镇房屋安全体检、城镇房屋 安全管理资金和城镇房屋质量安全保险制度（即"三项制度"）。 在推进房屋体检方面，今年年初，住建部还发 ...

Core Viewpoint - The recent initiative by Zhengzhou's housing authority to mandate inspections for residential buildings over 30 years old signals a growing recognition of the aging housing crisis in China, with government support for inspection costs [1][2]. Group 1: Policy Implementation - Zhengzhou's housing authority has proposed a draft requiring buildings aged 30 years or older to undergo inspections, with costs covered by the government [1]. - Other cities, such as Changsha and Wuhan, are also implementing similar inspection guidelines, indicating a nationwide focus on building safety [3]. - The inspections will vary in frequency based on the age and type of the building, with specific guidelines established for different categories [3]. Group 2: Aging Housing Crisis - Approximately 20% of urban housing in China was over 30 years old by the end of 2022, and this figure is expected to rise to nearly 80% by 2040 [5]. - Many older residential buildings face significant maintenance issues, including deteriorating facades, aging pipelines, and frequent elevator failures, exacerbated by insufficient maintenance funds [5]. - The early maintenance fund contributions were low, and inflation has eroded their value, leading to a critical shortage of funds for necessary repairs [5]. Group 3: Future Initiatives - The Ministry of Housing and Urban-Rural Development is piloting housing inspection and pension systems in 22 major cities, which includes a public account funded by government subsidies [6]. - The concept of a housing pension system has gained attention, aiming to provide financial support for the maintenance of aging buildings [6][7]. - The expectation is that the implementation of housing inspections, pensions, and insurance will provide hope for residents in aging communities and alleviate concerns for new homeowners [7].

Core Viewpoint - A new transformation is emerging in the field of housing safety management, with the Ministry of Housing and Urban-Rural Development advocating for the establishment of three key systems: housing inspection, housing safety management funds, and housing insurance, to provide institutional support for the safety management of housing throughout its lifecycle [1][2]. Group 1: Housing Insurance System - The housing insurance system is one of the three core systems proposed by the Ministry, aimed at managing and transferring housing risks, especially as nearly 20% of urban housing in China is over 30 years old, with projections indicating that nearly 80% will be considered "aged" by 2040 [2][7]. - Currently, there is no unified model for housing insurance in China, but it generally refers to risk protection for homes through insurance, where insurance companies compensate for losses or damages according to contract terms [2][3]. - Recent pilot programs for housing insurance have been initiated in various regions, such as Guangzhou's implementation plan for housing safety insurance and Dongguan's "Fanguanjia" comprehensive housing insurance trial [2]. Group 2: Comparison with Home Insurance - The existing home insurance primarily covers household property, including homes, against losses from incidents like fires or natural disasters, while housing insurance focuses on the structural quality risks of the house itself and damages due to aging [4][5]. - Home insurance is a purely commercial product, whereas housing insurance is expected to become a policy-oriented insurance, potentially with government subsidies for premiums [4][5]. Group 3: Challenges and Development - The development of housing insurance in China is still in its early stages, facing challenges such as limited product variety and coverage compared to mature markets abroad [3][7]. - Key challenges include the lack of a comprehensive legal framework for housing insurance, insufficient public awareness of risks associated with aging properties, and difficulties in precise pricing and risk management due to a lack of historical data [7]. - The implementation of housing insurance may require government funding or subsidies, and there is a need for increased public awareness and encouragement for insurance companies to develop more personalized housing insurance products [7].

Core Viewpoint - A new transformation is emerging in the field of housing safety management, with the Ministry of Housing and Urban-Rural Development advocating for the establishment of three key systems: housing inspection, housing safety management funds, and housing insurance, to provide institutional support for the safety management of housing throughout its lifecycle [1][2]. Group 1: Housing Insurance System - The housing insurance system is a focal point of attention, especially given the large number of aging urban homes in China, with nearly 20% of existing homes built over 30 years ago as of the end of 2022. By around 2040, it is expected that nearly 80% of homes will be considered "old" [2]. - The implementation of a housing insurance system is seen as urgent to manage and transfer housing risks, thereby protecting residents' interests and preventing social risks [2][3]. - Currently, there is no unified model for housing insurance in China, and it is generally defined as providing risk protection for homes through insurance purchases, with compensation for losses or damages according to contractual agreements [2][3]. Group 2: Current Developments and Challenges - Various regions have initiated pilot programs related to housing safety insurance, such as Guangzhou's implementation plan for housing safety insurance set to be further developed between September and December 2025, and Dongguan's "Fanguanjia" comprehensive housing insurance pilot [3]. - Experts indicate that the current state of housing insurance in China is still in its infancy, facing challenges such as limited product variety and coverage compared to more mature markets abroad [3][4]. - The existing housing insurance system is primarily government-driven, with potential future funding from government subsidies or increased returns from dedicated maintenance funds [6]. Group 3: Differences from Home Insurance - Housing insurance differs from traditional home insurance, which primarily covers household property, including homes, against losses from incidents like fires or natural disasters. In contrast, housing insurance focuses on the structural quality risks of the home itself and compensates for losses due to aging or structural issues [4][5]. - Home insurance is a purely commercial product, while housing insurance is expected to become a policy-driven insurance, potentially with government subsidies for premiums [4][5]. Group 4: Industry Collaboration and Future Directions - The development of a robust housing insurance system in China requires collaboration among various stakeholders, including raising public awareness of the importance of housing insurance and encouraging insurance companies to develop more personalized products [6]. - There is a need for supportive policies, such as tax incentives, to promote the growth of housing insurance, as well as collaboration between insurance companies and local governments to advance the establishment of the housing insurance system [6].