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The author:(作者)qqpublished in(发表于) 2014/6/24 8:45:35 Pilot aged with housing policy， families of the deceased can be redeemed for the elderly real estate
Seven adults aged with housing watch
Watched "the aged with housing" the pilot landed. Insurance Regulatory Commission yesterday released guidelines next month, aged with housing will be in Beijing for four pilots have full property rights to mortgage to insurance companies pension for the elderly, housing disposed of by the insurance company after his death.
This morning, the Mets, United and other insurance companies are saying, the aged with housing still under discussion, specific details are yet to be decided. As of press time, there are no insurance companies to apply.
Yesterday, the independent pilot right Tiananmen Square Street Reporter visit had discovered that elderly home mortgage interest is not high. This micro-surveys, 7 adults do not purchase endowment insurance with House.
Publishing, such as Beijing and Shanghai starting in July with four pilot
Yesterday, the China insurance regulatory Commission released the guidance on housing for the elderly reverse mortgage endowment insurance pilot, from July 1, the official pilot of the Beijing, Shanghai, Guangzhou, Wuhan, "the aged with housing", since July 1, 2014, and expiring on June 30, 2016.
Regulatory Department, CIRC life insurance pension insurance introduced Yao Yu, Director, elderly people above 60 years old with houses totally independent property rights, property can be mortgaged to the insurance company, in accordance with the agreed conditions of pension until death.
"The aged with housing" is a combination of mortgage and life annuity of innovative commercial endowment insurance business, is the old mortgage to insurance companies, according to the agreed criteria to get pensions, after his death, insurers home mortgage right of disposition.
Insurance companies shall meet the conditions applying for pilot qualifications include opening for 5 years, with registered capital of no less than 2 billion yuan, late last year and the end of the latest quarter's solvency ratios of not less than 120%, and so on.
Elderly people in the 30th to be insured "right of rescission"
Circ stressed that the elderly reverse mortgage endowment insurance is involved in real estate valuations, mortgages, annuities issued such links, legal relationships and operational complexity, must be prepared to older consumers ' interests protection.
Insurance companies need to sign the consumer counseling, through audio, video, or a third-party witness to enhancing contracting processes, including fairness, impartiality.
Hesitation of older persons housing reverse mortgage insurance products for a period of 30 calendar days, the insurance company shall, within the period of hesitation to the applicant once again introduce reverse mortgage insurance products, confirmed the applicant's true willingness to buy. Insurance companies also should be disclosed to the customer periodically reverse mortgage endowment insurance related information.
Asking prices rise how to solve?
Introduced by CIRC, the old man passed away, their property disposal proceeds to repay after the insurance company has to pay pension costs and the rest continue to be heir apparent to all.
If the property disposal proceeds are not sufficient to cover the insurance company have to pay pension costs, the insurance company will bear the price risk of running out, no more recourse to old man's family.
So, prices rise impact of what do you do?
Yao Yu, said pilot House-pension insurance product will be borne by the insurance company risk and risk of falling house prices.
If House prices fall, insurance companies are not allowed recourse to older persons and their families; prices go up, insurance company cannot monopolize the property value returns.
Choose products after the death in the elderly, their families can repay the insurance company pay back pensions and interest redemption of property.
70 questions how the definition of property rights?
Tuo guozhu, a Professor of finance at capital economic and trade University believes that if a House has for 20 years, 50 years left the House is worth, after third-party Evaluation Agency, insurance companies, and consumers agree that price and then sold on the contract.
In addition, after signing for a while, House quality problems led not to do? Prior to signing the contract, the insurance company to check a House assessed. After signing the contract, emerging issues and risks are borne by the insurance company.
Sudden death for the elderly to do?
Insured person may agree to death with insurance companies so far, also agreed to pay a fixed period. There are a range of conditions, such as the one agreed to pay 20 years, but the old man lived to 15, while the remaining 5 years of pensions for the elderly and their family members or children.
Are aged with housing State anyway?
Launched against the argument that "the aged with housing" is whatever pension yesterday, insurance regulatory Department, said Yuan Xucheng, Director of life insurance, this is a "reverse mortgage endowment insurance" misreading.
"Pension will not be affected. "Yuan Xucheng said in an interview, from the business perspective of development in China, reverse mortgage insurance is just a supplementary pension through the operation of the market, is as owning property that an increased old age pension funding options does not affect the traditional support of older persons.
According to the latest statistical data show that at ages 60 and older accounted for 14.9% of the total population. Old-age social security in the future under a lot of pressure, said Yuan Xucheng, outstanding loans in China's aging services is very big, this trial does not mean that the Government does not bear responsibility, but a complement to the market.
Visit independent pilot trouble the elderly most in wait-and-see
Our "retirement with House" concept has more than 10 years, starting from 2007, Beijing has some insurance company independent pilot. Yesterday afternoon, reporters visit first pilot aged with housing right Tiananmen Square in Beijing streets.
In mid-March this year, right Tiananmen Square Street and happy life insurance company limited cooperation, launched the aged with housing initiatives, but the pilot 4 months, fewer people consulted with many people involved.
Right Tiananmen Square Street duty in charge, streets in about 20,000 elderly people aged over 60, a total of 19 who initially expressed interest in.
"The old man's ideas are more traditional, even House and others like rent, rather than inward. "Street office staff on duty said.
Reporter during yesterday afternoon, many residents in the community has forgotten the matter. Mr Dr Lam district 83, kept nodding knows, but community outreach of the aged with housing, he couldn't remember.
This morning, the right Tiananmen Square Street Street Office in charge of the aged with housing pilot said Yang Wenjun, Deputy Director, and consulting many people after the promotion began, concerns were more specific, such as house account, such as how long and how much money is enough old-age.
Yang Wenjun said that because the policy before the rule did not come, lots of people care, counselling, but are in a State of wait-and-see.
Lost old man alone, or primary audience
"I've got to leave everything to the son, and grandson. Mortgaging the House what can they do? "Yesterday afternoon, Lam district on right Tiananmen Square Street a old man surnamed Zhang told reporters he had" lifetime "won't agree to the aged with housing.
"Okay, children too busy heoping himself. "83-year-old Yang is interviewed by journalists from dozens of only the intention of the aged with housing for the elderly. He said that as long as the boys agreed, he didn't care.
Many residents said that about forty or fifty years old, wouldn't let the parents aged with housing. Xu, 50, says this year, as the $literal parents of only children, their generation the possibility of the aged with housing will be greater.
As "the aged with housing" advocate, happy life insurance company Supervisory Board Chairman mengxiaosu has said publicly that China "the aged with housing" product design must meet three conditions, namely, high prices of the city, housing of high potential, highly qualified man.
With the growing aging population, lost one family share is increasing, the future "Dink" proportion may rise, the group or become "aged with housing" major audiences.
Extension "spires" on pension
Since 2006, Shanghai, Nanjing and other nature of the Government-led "the aged with housing," but "Government version" of "pension" progress has been slow.
In 2011, the Bank launched the "Bank" and "the aged with housing": the elderly real estate used as collateral for a bank loan application for old-age, borrowers ' repayments interest or part of the principal, and disposable after the maturity of the loan to repay the remaining principal. After the introduction of the business customers are few.
Circ is the pilot "commercial version" of "the aged with housing", in fact, is the use of management of insurance companies and financial advantage, the mortgaged property to provide policyholders with life long pension.
Seen from abroad, "the aged with housing" in Europe and America as well as Asia, Singapore, and Korea, and Japan were more mature.
In the United States, "the aged with housing," a Government-led, 62 years old or older may apply for, signing at around 70,000 cases a year; in Singapore, "the aged with housing" carried out by the Organization, only 10 have signed within a year.
Some experts believe that, if the pension system to a pyramid, then the bottom is the basis of government pensions, the tower is represented by the enterprise annuity in supplementary pensions, Spire is a personal business insurance, housing for the elderly reverse mortgage insurance is a niche product in the private pension insurance.
This version of text/reporter Yi Duo
(Original title: mortgage housing pensioner pilot newspaper next month in Beijing, Shanghai and four city micro-survey shows that 50% people want to leave homes for children)
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