By analyzing conveyance surety theory the article put forward the legal frame of retire to Enjoy life with the Building mode, thus become to match a physically valid legal system in our country.

• 文章对大陆法系由来已久的让与担保理论进行分析，提出我国“以房养老”模式的法律框架，从而形成符合我国实际的有效法律制度。