House-for-pension scheme, with reverse mortgage as the basic pattern, premises explicit home equity by letting loan amount depend upon the factors such as home value and so on and by taking flexible loan methods, is an important complementarity to pension system, currently, however, the pilot progress in all part of China is slow because of incomplete equity system, unmatched market environment, immature legal support and traditional notion constraint. According to the practical experience at home and abroad, in order to smoothly and successfully implement house-for-pension scheme, reasonable and multi-layer product design is the basis, government guarantee and supervision is the key, and law perfection is a guarantee. Thus, the construction of China’s house-for-pension scheme should be launched from the perspective of related market environment construction, the exploration and perfection of laws and regulations, the control of market risk and so on, so as to push forward the perfection of house-for-pension scheme system, as a result, current experiment should be oriented by suitable product design according to potential demand group for house-for-pension scheme such as the families, with their housing equity, which lost their children and which are composed of loners.