Will YOU have to sell your home to 支払う／賃金 for care? Typical £300k 所有物／資産／財産 would 基金 a care home for seven years...
Selling a 所有物／資産／財産 価値（がある） around £300,000 will 支払う／賃金 the costs of living in a care home for seven years, new 研究 明らかにする／漏らすs.
The cost of care in a 居住の home has risen by about 20 per cent to £816 a week or around £42,400 a year since 2020-2021.
That はるかに引き離すs the rise in 普通の／平均（する） house prices in England, which have 増加するd 12 per cent in the same period, 潜在的に 減ずるing the 量 of cash a homeowner could raise if they need to move to a care home.
基金ing 計画（する）: Some 40 per cent of homeowners 老年の 45-加える 調査するd for Just's 最新の 年次の care 報告（する）／憶測 said they would sell their homes to 支払う／賃金 for it
Care costs have risen faster than house prices in all English 地域s during this time, によれば the 熟考する／考慮する by 財政上の services 会社／堅い Just Group.
'The home is often the most 価値のある 資産 which, under 現在の 支配するs, makes it a major source of 財政／金融 for people fundi ng their own care,' says director Stephen Lowe.
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Some 40 per cent of homeowners 老年の 45-加える 調査するd for Just's 最新の 年次の care 報告（する）／憶測 said they would sell their homes to 支払う／賃金 for care, ahead of any other 基金ing 選択 such as 年金s, 投資s or the 明言する／公表する.
At 現在の, 改革（する）s to how people will have to 支払う／賃金 for care are on 持つ／拘留する after the 政府 延期するd the 開始する，打ち上げる of a lifetime care spending cap until autumn 2025, after the next 選挙.
The 計画（する） would introduce an £86,000 天井 on how much an individual has to spend on care - but based on some, not all, of their 私的な 出資／貢献s rather than on total costs - and raise the threshold to start receiving support from £23,250 to £100,000.?
'The "house price to care cost" 割合 is a useful 手段 because 現在／一般に about half of care home 居住（者）s 支払う／賃金 all their own 料金s and a 重要な 量 of 基金ing is sourced from people selling their homes,' says Lowe.
But 地域の differences in 普通の／平均（する） house prices and care costs create some 抱擁する 不平等s in how far 所有物／資産／財産 wealth will stretch if you need care.
普通の／平均（する） care costs are lowest in north east England at £35,672 a year, but house prices at £157,557 would cover about four and a half years of care.
Care 料金s in London are the second highest in the country after the south east at £46,852 a year, but much higher than 普通の／平均（する） house prices of £508,037 would 基金 nearly 11 years in a 居住の home.
However, Londoners' ability to 支払う／賃金 for care is 存在 squeezed because from 2020-2021 普通の／平均（する） house prices have risen 3 per cent but 居住の home 料金s have jumped 17 per cent.
The 人物／姿／数字s used by Just Group in this （米）棚上げする／（英）提議する come from the 政府's UK House Price 索引 from December 2023 and Laing & Buisson's Care Homes For Older People UK Market 報告（する）／憶測, 33rd 版.
Lowe says of the data in the （米）棚上げする／（英）提議する above: 'These are 楽観的な 人物／姿／数字s because in the real-world self-funders 会合 all their own costs 支払う／賃金 higher 料金s than those receiving some or all 会議 基金ing, while the costs would be higher still if specialist nursing care were needed.
'Under the 現在の means-実験（する）d social care system, those with 資産s of more than £23,250 have to 支払う／賃金 for their own care and this will 含む their 住居 unless it is still 存在 lived in by someone such as a spouse.
'改革（する）s that might have helped to 保護する the value of the home have been 延期するd and may never be 器具／実施するd.
'The care 部門 is 直面するing 抱擁する 基金ing 圧力s and, as we 長，率いる に向かって a 総選挙, 投票者s should look at what answers the 政治家，政治屋s are 示唆するing.'
The 地図／計画する below shows the years of nursing care that would be 基金d, 同様に as the cost of 居住の care, if you sold the 普通の／平均（する）-定価つきの house in a 地域 of England.?
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