Shanghai's "house-based self-care for the elderly" model is similar to the "reverse mortgage loan" model that has gradually matured abroad. The so-called "reverse mortgage" is aimed at the elderly with houses and their own houses as collateral. Banks lend money to borrowers on a regular basis, and when it expires, they will sell their houses or other assets to repay the loans. This is equivalent to the insurance company buying the property right of the insured by installment. Generally speaking, it is the reverse operation of housing mortgage loan implemented by banks now.

The biggest difference between the two is the order of housing transactions, that is, "reverse mortgage" is only a mortgage, and the ultimate property owner can also be a mortgagor, while "self-care for the elderly with housing" completes the change of property owner in advance. "Reverse mortgage loan" is a profitable behavior of financial institutions, while "providing for the elderly with housing" belongs to the public welfare behavior of the government to help the elderly at home. It is understood that the "house-to-house self-help pension" house purchased by the provident fund management center will eventually be used for low-rent housing, that is, it will be included in the low-rent housing system of the Municipal Real Estate Resources Administration to solve the housing of some low-and middle-income families in this city and let these families in need improve their quality of life through leasing.