Note: In 2019, real estate expert Zhang Jinding retired from the Political University of Political Science and Technology University, who had been teaching for more than 30 years, and bought the last house in his life as a retired house on the hills...
Note: In 2019, real estate expert Zhang Jinding retired from the Political University of Political Science and Technology University, who had been teaching for more than 30 years, and bought the last house in his life as a retired house on the hillside of Muzha. He believes that an ideal retirement home should have several characteristics: it can make people aging locally and maintain independent but close relationships with their families. It is best to use the means of restoring the house and donating the house to protect the life of the old man before his death. How to plan your ideal home for your senior year?
Walk into the home of Zhang Jinding, a honorary lecture professor at the Qinghai University Institute of Science and Technology, located on the hillside, with a painting on the sunset, and the background music in the house is a classical song. Looking out the window, there was a elegant green feeling in front of me, and there were squirrels passing through it. During the summer vacation of (2019), he retired from the University of Political Science, where he taught for 32 years, and moved into his new home in the same year. A new life is launched in this community that is slightly away from the city center but has a complete lifestyle.
Zhang Jinbei, a 66-year-old, was a distinguished professor in the Department of Land Affairs of the State Council and Deputy Mayor of Taipei. He is a well-known real estate expert in Taiwan. He was born in Taipei, went to the United States twice and taught at the University of Political Science for many years. After all, 60 years of life have been replaced with 21 residences and 4 houses have been purchased. "It's very tiring to change houses and move houses. This should be the last house in my life," he said with a smile.
Japanese architect Yobu Nakamura once said, "Home is a container of life." With the change of life stage, living needs naturally change. How to choose the last house in life?
Before changing the house, you will first look at the five major indexes and the management of retired houses.Diamin Research real estate for more than 30 years, and the media president called Zhang Jinding the "Chief Commander-in-Chief". He opposed real estate speculation and believed that Taiwan's real estate prices have been at abnormal highs for a long time, and housing prices will eventually become bubbled. But in 2019, Zhang Jindong sold two houses to buy a retired house, which caused a lot of discussion. Some people laughed that even the "Celestial Commander" bought a house. I believe the prospects for real estate are promising, and now is a good time to enter the venue.
But Zhang Jinbei clarified that retirement home is the last house in life. What he prioritizes in considering is not the value-added space, but personal expectations for life. "I am about to retire, and I have a need for self-occupied life soon. I will buy it no matter when the time is bad."
In the second half of my life, when my child is grown up and my lifestyle has changed, how should I change the house? Zhang Jindong analyzed that before buying real estate, you should consider five major elements: product, price, area, time, and management. Taking him as an example, after retirement, working hours have been shortened and personal time has increased, so the living quality and leisure and nurturing functions of the community are particularly important. This time he changed the house, he cared about the location and management the most.
zone refers to the location of the house. There are two market definitions: one is the "big area" that is close to the city center, and the other is the "small area" of the living function in the neighborhood. Zhang Jinbei reminded that a good area in the market may not be suitable for everyone. The main consideration for buying a house for a mature person is to live in. There is no need to focus on the house in the "Eggy District". Small areas are more important than large areas.
Having lived on the Zhengda River embankment for more than 20 years, Zhang Jinding also wanted to move to the city center with more convenient transportation. However, Taipei has high housing prices. With the same budget, houses in the city center are always smaller than those in the suburbs and have worse quality of life. Finally, he and his wife bought a new home in Muzha, and it was only 10 minutes away from their old home.
From the perspective of investment, it is a distance from the city center of Muzha, and it takes 15 minutes to walk from the nearest metro station in the community. But he has been in the School of Political Science and Technology for many years, and the Muzha is the most familiar living environment. It is clear where you can take a walk and where you can have delicious restaurants. In addition, my father still lives in the old family's community, which is convenient for nearby care. The distance from the MRT station is also relatively cheap. It's not the egg yellow area, but the good area in his heart.
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In addition, Zhang Jinding also pointed out that the relationship between the neighborhood has a great impact on the living safety of his elders. "It's true that it's better to be close to the neighborhood than to be far away. If you're old, you'll be very depressed if you don't have a good relationship with your neighborhood," he said with a smile. But modern people are weak, and if there is no good neighborhood, it must be managed well. For example, if you send clothes to wash or call a scheduled car on weekdays, you can ask the property management company to take care of it.
The total community he lives in is 177, and the residents share a museum, including a handover room, a studio, a gym, a cinema, a swimming pool, three warmers and a bar. Although the management fee of 100 yuan per square meter is not cheap, Zhang Jinding said that both he and his wife love swimming and usually have fitness needs. Perfect public institutions are one of the important factors for them to consider buying a house.
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However, if the community is not managed well, the swimming pool will also become a reservoir. Zhang Jinding pointed out that he had studied the management model of urban collective housing and found that communities with a size of 100 people, medium-sized sizes, and similar residential floors are more likely to gather community consensus because of the high symmetry of residents. Although large-scale communities have low management fees, they are not easy to deal with and manage, which will lead to "uneconomic scale", which will reduce the quality of life. Before changing the house, you may wish to pay more attention.
The ideal family relationship in the old age lived in different places, independent and connected with each other.A few years ago, Zhang Jinding's mother passed away, and her 94-year-old father moved home from the Nuansheng Village to live with her care. He and his sister went to their father's house every Sunday to have lunch and chat with him. He believes that it is best for middle-aged people to live close to their parents, but they don’t have to live together. "It was still hot to serve a cup of tea or a bowl of soup, and the distance was just right," he described.
He recalled that when he bought his first house 32 years ago, he lived with his parents for a while. There are 2 families in one house, and all 4 people have worked hard. "When the boss sees the child, he will want to ask and care. We will not come back or not. In addition, the father and mother always protect their son, which will make the daughter-in-law more stressful."
A few years later, the couple bought a second house and left the starting house for their father and mother to live in. Later, considering that the elders were old and it was inconvenient to climb the stairs, they bought another house on their own building to allow their parents to live in the same community. They are "a little close to each other, but not too close", so they are convenient for them to respond without interfering with each other.
The same philosophy is also suitable for husband and wife relationships. Zhang Jinding pointed out that the pattern of a retired house was originally 4 bedrooms, and they were changed to 2 bedrooms and 2 halls. The two bedrooms are suites with bathrooms, and the middle is separated by a dressing room, and the door can also be locked. When you are in a bad mood, you can be in a cold room; when you sleep at night, you will not be awakened by the other party's snoring sound. Sleeping in separate rooms can help you maintain your feelings better.
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Old couples need independent space, but the relationship cannot be like roommates. After retirement, Zhang Jinding began to take oil painting and classical music classes, and his wife studied violin and art. The two people's interest is also reflected in the space planning. The sun is facing the beautiful scenery outside the window, suitable for painting stands and flowers and plants. On the same side, there is also a small bench beside the window of the book room, so that couples can have afternoon tea with peace of mind. "When I first planned it was when I was reciting a book, my wife could sit by and chat with me, but it seemed that she hadn't seen it after moving!" Zhang Jinbei said with a smile.
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In addition, although there are only 2 people in the home, the restaurant and living room still retain a spacious gathering space. Zhang Jinding has been teaching for many years, and the students have a good relationship and they gather and travel from time to time every year. Because "后" is easily misread as "duck", Zhang Jinzhang named "后后" and more than 150 students he directed also formed the "后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后后� Even after retirement, the ducklings still come to their homes to visit each other, making the couple's life less lonely.
Don't revitalize the house too early to allow children to renovate the house and replace the old age. The best guarantee isThe house prices in Taiwan are high, and young people generally cannot afford to buy a house. 4. Parents of 5 years will always hope to keep the property for their children, or at least let the children live at home to save money on their lives.
However, Zhang Jinding pointed out that academic research has shown that long-term family members will lead to difficulties in becoming independent and growing up, and are more likely to further recommend the age of marriage and childbirth. He suggested that if the house cannot be purchased for a while, parents can first provide rent for their children so that they can leave the nest early. If your children live at home, they should also be allowed to pay for their living expenses, help their families, and cultivate a sense of responsibility. They should not "pay their families without conditions."
As for the inheritance of real estate, Zhang Jinbei believed that houses often become the induction fire for children's disputes. Previous studies have also shown that the earlier parents go to their children, the fewer times they contact and visit their parents in the future. "It is best to spend 100% on the last house in life," he said.
He believes that it is better for parents to think about how to use real estate to become a means of raising money and reduce the burden of taking care of parents when taking care of their parents. For example, he once vigorously promoted the "non-property reverse mortgage loan" (that is, the "home-living with a house" that is well known to the public), and encouraged retirees to mortgage their houses under their name to the bank, redeem cash as a living expenses every month, and can still live in their own houses. This model has been around for a long time abroad, but unfortunately, it has been in Taiwan for more than five years, and the number of applicants is not as expected.
If you are worried about applying for housing to raise your family, the bank will have a lower price and insufficient monthly funds, you can also consider another "donated house to raise your family" model. Zhang Jinding pointed out that a few years ago, there was a single eldest son who had been under the care of the Eden Foundation for a long time. He hopes to donate the property under his name, as the foundation must continue to provide care until he passes away.
Under Zhang Jinding's suggestion, the foundation signed a contract with the old man. During his lifetime, he could finally live in the most familiar environment and people would visit him during the rest of his life. Behind him, the Foundation used this house as a temporary residence for cancer patients in the central and southern regions to go north to take medical treatment, achieving a double win. In addition to Eden, more and more non-profit organizations in the country have accepted this cooperation program called "with debt donations to support housing."
In addition, Zhang Jinping also recommends the "after-sales leaseback" retirement model that is popular abroad. The owner sells the property to the insurance company and then rents the original house from the proceeds of the sale. The contract clearly stipulates that the insurance company has the right to rent the house to the original owner and be responsible for maintenance and repair until the owner passes away. Under this premise, the homeowner can get back more funds and does not have to worry about the lack of place for the rest of his life. "Maybe some people think that having a house makes you feel safe. But after you pass away, your house will be sold, and it's just whether you can get money during your lifetime." Zhang Jinbei said bluntly.
Buy the last house in his life at the age of 65. Zhang Jindong said that his greatest wish is to "local aging and zero value (NPV). Fortunately, he and his wife were able to live in a familiar environment and enjoy the fun of life in the second half of their lives. This retired home will also be able to donate to buy a loan for a retired family or apply for a loan for a retired family. Even if you don’t have children, you don’t have to worry about the fact that the old family has no one to look after.
As a real estate expert, he knows very well that the house is something outside his body. If a house cannot make people live better, no matter how high the value is, it will only be a burden. "The most important thing you have spent in this group is the highest level of life!"
Original text: Buy the last room at the age of 65! Zhang Jinding: Choose the 5 indicators for retirement homes, "The money paid by this group of flowers" is the highest level
