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- Media said house-for-pension scheme schedule gradu
- "house-for-pension scheme" schedule is clear. Recently, happy life
insurance Limited by Share Ltd chairman of the board of supervisors Menghouse for rent in beijing
Xiaosu on many occasions publicly, the relevant departments have made
insurance company in December out of the pilot program, launched in
January, the corresponding insurance products.
"schedule has been prepared, but the pilot programs launched a
process, not so smooth." In December 3rd, director of public policy
research room of National School of Administration bamboo made home to
accept the "China Times" reporter the interview said, "house-for-pension
scheme" expansion will still faced many obstacles, resulting in
financial institutions, banks and insurance companies, to participate in
the enthusiasm is not too high.
according to
aging Daobi speed
broadly speaking, any use of its own housing to obtain or increase
endowment funds would be "house-for-pension scheme", but the narrow
sense is the "reverse mortgage", that is through financial or rent house beijinghousing
institutions bought the elderly housing property, by calculating the
regularly give old-age subsidies, the elderly can still live in their
homes for life.
in fact, our country put forward "to the concept of the housing
endowment" has been 10 years, and from the beginning of 2007 pilot
conducted in Beijing, Shanghai, Nanjing, Hangzhou and other places, but
the effect is not good, is not accepted by the market. However, the
increasingly serious aging Daobi "house-for-pension scheme" was put on
the agenda again.
according to statistics, by the end of 2012, China's elderly
population over the age of 60 has reached 194000000, 2020 will reach
243000000, in 2025 will exceed 300000000.
"ten years ago, 'house-for-pension scheme' advice is obtained when
central government approval. Ten years later, the State Council was put
forward to carry out 'house-for-pension scheme' pilot." As the
"house-for-pension scheme" of the protagonists, Meng Xiaosu said, ten
years without spreading resistance was mainly concerned about the
financial institutions for the housing prices down, and the average life
expectancy in the growth, resulting in banks, insurance companies and
other institutions to choose a collective silence.
understand according to the reporter, the reverse mortgage and the
mortgage on the contrary, risk taking longer financial institutions
more.
now, objective factors did not have too big change, but support for
the pension field in the country is increasing, many real estate,
insurance and banking industries company have the layout of pension,
endowment real estate products and combination, a new channel for many
companies to expand their business.
"'house-for-pension scheme' is for people to provide a pension
channels, people can voluntarily choose, financial institutions can
voluntarily choose. He is currently involved in the insurance companies,
mostly in real estate will." In December 3rd, Chinese and accept a
researchers
understand according to the reporter, "the first step in the hvillas for rent in beijingousing
endowment" is to the existing property assessment, such as the elderly,
to assess the value of 2000000 yuan of housing insurance, can get 10000
yuan per month. However, because our country real estate assessment
agencies also is not standard, not only the overall quality is low.
