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- The personage inside course of study house-for-pen
- according to published reports, in 2003 in our country have been put
forward local government and financial institutions to the concept of
the housing endowment, but today, Chinese house-for-pension scheme model
almost no substantive progress. The industry hope that the level of the
State Council, introduced the opinions can promote the real from the
top design with the progress of housing endowment.
recently, "a number of opinions" of the State Council on
accelerating the development of pension services officially released,
"opinions" put forward clearly, to encourage the exploration of the
elderly housing reverse mortgage endowment insurance pilot. Specific
measures and implementation plan is expected to be a quarter of next
year.
the so-called house-for-pension scheme the housing reverse mortgage
loan, commonly known as reverse mortgage housing property owners of the
house mortgaged to the bank financial institutions, insurance
companies, the latter in the comprehensive assessment, monthly to the
owner to issue fixed funds. The owner dies, the property sold, income to
repay the loan principal and interest, the rise of all to mortgagee.
The characteristics of such loans is the largest of the phased lending, a
repayment.
house-for-pension scheme proposed for years no substantial progress
in fact, many years ago, there have been some local governments and
financial institutions began to try house-for-pension scheme model. In
2003, the then China real estate development group chairman Meng Xiaosu
will this idea is introduced into China. R D in 2007 he founded the
happy life-insurance company and personally involved in the reverse
mortgage products, but still no substantial progress.
2007 year in November, the news from the Shanghai provident fund
management center, house-for-pension scheme plan research and
experimental work has made a breakthrough. The pilot scheme named as
old-age self-help housing agreement, unlike the reshanghai apartmentsverse
mortgage mode is, the old-age self-help housing pilot from the outset
to change the housing property. In addition to choose a pair of 80 year
old family to do the pilot, no progress has been made in the news.
2011 "Beijing city development plan" made it clear that aging during
the 12th Five Year Plan period, Beijing city to encourage commercial
insurance companies, commercial banks and housing provident fund
management, establish public welfare agencies to carry out
house-for-pension scheme of pilot operations.
in April last year, Nanjing introduced the "Five Year Plan" Twelfth
aging development in Nanjing city is mentioned house-for-pension scheme
this year, the Nanjing house-for-pension scheme of pilot operations
without any progress, the relevant responsible person said, because the
legal system defects, this mode is still at the stage of policy
research.
a jointapartment rental shanghai-stock
commercial bank also launched two years ago on a pension mortgage
business, that older people themselves or statutory maintenance people
can property as collateral to the bank to apply for loans for pension
purposes, the borrowers monthly repayment of interest or principal,
after the expiration of the loan repayment in the remaining principal
again. It is not difficult to see, this product has the very big
difference with the reverse mortgage. Beijing Youth Daily the reporter
understands, thisapartment rent shanghai business is not happy, almost didn't lead to what customers.The
70 property is the biggest obstacle
