Aging Forced To Speed Up The Housing Endowment Schedule Becomes Clearer

< p > < strong > < a > href= > http://www.91se91.com/ > aging > /a > speed up < /strong > /p >

< p > from a broad perspective, any way of using private housing to obtain or increase the < a href= "http://www.91se91.com/" > pension "/a" funds is the "housing endowment", but in a narrow sense, it means "reverse mortgage", that is, buying property rights of the elderly by means of Finance or housing institutions. By calculating the regular pension allowance, the elderly can still live in their own houses for life.

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In fact, China has put forward the concept of "housing endowment" for 10 years, and has been conducting experiments in Beijing, Shanghai, Nanjing and Hangzhou since 2007. Unfortunately, the effect is not satisfactory and has not been accepted by the market.

However, the increasingly serious aging now forced the "housing endowment" to be put on the agenda again.

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< p > statistics show that by the end of 2012, the number of elderly people over 60 reached 194 million in 2020, reaching 243 million in 2025 and 300 million in 2025.

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< p > "ten years ago, the proposal of < a href=" http://www.91se91.com/ > housing endowment "/a" was approved by the central authorities at that time.

Ten years later, the State Council first proposed the pilot project of "housing for the elderly".

As the initiator of the "housing endowment", Meng Xiaosu admits that the resistance that has not been vigorously promoted in the past ten years is mainly that the financial institutions are worried about the downward trend of housing prices, and the average life expectancy is increasing, resulting in the collective silence of banks and insurance companies.

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< p > according to the reporter, reverse mortgage is just the opposite of positive mortgage. The longer the financial institution is, the greater the risk it will take.

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Nowadays, the objective factors have not changed much, but the support of the state in the field of support for the aged has been increasing. Many companies in many industries such as real estate, insurance and banking have arranged the field of providing for the aged, combining the product with the pension real estate, which has become a new channel for many companies to expand their business.

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< p > "housing endowment" is a pension channel for the common people. People can choose voluntarily, and financial institutions can also choose voluntarily.

Most of the participating insurance companies have the desire to get involved in real estate.

In December 3rd, a researcher from the Chinese people's Insurance Association said in an interview with our reporter that "housing endowment" involves real estate, financial industry, social security, insurance and related government departments. The quality of operation in these areas is quite high.

How to ensure fair and fair operation, management and enforcement of these industries and departments is a great challenge under the current rule of law.

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< p > according to the reporter, the first step of the "housing endowment" is to evaluate the existing property. For example, the elderly can get 10 thousand yuan a month by evaluating the insured housing value of 2 million yuan.

However, because China's real estate appraisal institutions are still very irregular, not only the overall quality is low, but also the vicious competition exists in the market, which will eventually lead to different assessment results of the same housing.

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Although the problem of "P > exists, the urgent need to increase the old-age pension channel is equally urgent.

In October this year, the State Council promulgated the "opinions on accelerating the development of the pension service industry", which explicitly put forward the "pilot scheme for the elderly housing reverse mortgage endowment insurance", and the pilot scheme will be taken out in the first quarter of next year.

Reporters also learned that the relevant departments have conducted research, and have drafted the implementation of the implementation of the document of the State Council, the relevant rules are mostly promulgated before the end of the year.

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< p > < strong > pilot is difficult to benefit rural areas < /strong > /p >

Although the "P" "house for the aged" network has been opened, but because of the traditional Chinese concept and the current "a href=" "http://www.91se91.com/" property system < /a >, the real benefit of the crowd is not much.

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< p > "under the influence of traditional Chinese ideas, the elderly are more willing to leave property to their children, and the housing mortgage is eventually sold to the insurance company, which is hard for many citizens to accept."

In December 3rd, a staff member of China's Aging office told the China Times reporter that they had done a survey on this issue, and most of them still chose to leave their property to their children.

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< p > actually, according to the reporter, the property behind the old man is not absolutely left to the financial institutions.

When the old man dies, the bank or insurance company will have a sum of money to help the old man deal with the funeral and deal with the real estate.

However, if the old man dies early, the house will be treated according to the surrender, and the heir can continue to inherit after making up the corresponding amount.

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< p > "in addition to the concept of" housing endowment "in terms of technology and law are no longer a problem.

The elderly office staff said that the Housing Department has made innovations in the real estate registration system in the past few years. The names of two people can be registered on the property certificate. As a result, the problem of "housing endowment" in the real estate registration system can be solved. Once the elderly choose the "housing endowment", the name of the insurance company can be added to the property certificate, so that the real estate paction can be carried out in the future.

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< p > "housing endowment" is no longer a problem in terms of technology and law, but the current property system in China makes it difficult for the rural elderly who are most in need of pension to participate in it.

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< p > "the property of our country is various. There are commodity houses, affordable housing, small property rights houses and rural homestead. The problems of different properties are different. The government should make detailed investigation after the market situation, and then give specific details."

Zhu Lijia said that the small property rights house must first be cleaned up, and the rural homestead housing is not guaranteed. The above two properties will not be included in the scheme of "housing endowment".

At the same time, the value of housing evaluation in the two or three tier cities is relatively low, housing value is almost not enough for the elderly, and the enthusiasm of financial institutions will not be too great.

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< p > according to the reporter, the "housing endowment" pilot mainly involves urban housing in the first tier cities, and rural housing is not in the pilot stage.

At the same time, the majority of the people involved are those who lose their independence and have no children.

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