Hitting " with room provide for the aged " name, many cheater extend the hand to the house of Chinese old person!
This week, " money new weekly publication " cover story is about " with room provide for the aged " fraud: About a hundred old person by " with room provide for the aged " lure introduce bureau, eventually defect debt crisis, face the hopeless situation that loses house property. Should report to the people's livelihood is installed to ascend media to make a central point again in making.
This is not medium bring first time of the people's livelihood by media exposure. In March, " economy observes a newspaper " exposure in install the people's livelihood " with room provide for the aged " fraud.
01
Think formerly " with room provide for the aged " , who knows money house two sky
About a hundred old person is cheated
This wanting " with room provide for the aged " , every month is received on time " annuities " improvement lives, who knows to be done not have not only finally " annuities " , last house is cheated, this is by in bring the old people current situation with con the people's livelihood.
"When signing a contract, saying is ' with room provide for the aged ' the project presses month of Fu Xin, but, money was not taken again in the bank card that has his from January 2019. And, lend just is returned call ceaselessly will urge reimbursement, otherwise, the room that should take me auctions my house originally. " on March 12, one is lived in in Beijing Haidian area old grandma Wang Lan of many years old 60 is spent (alias) observe to economy the newspaper says excitedly.
Introduce according to old grandma, she is to mortgage the house is taken first 3 million, guaranty house year change interest rate 24% ; It is to buy product of firewood of month in and month out of provide for the aged again, accrual year change interest rate 5% , from this she can receive every month 12500 yuan.
What thing is firewood of month in and month out after all? It is medium the product that brings him the people's livelihood.
Here, everybody discovers clue for certain. The old person mortgages the house lends year of spends interest rate borrow or lend money of 24% , those who get is year of turns profit product of 5% . The people's livelihood is being installed to be able to say in is empty-handed 3 million what covered house of old person guaranty.
According to economy observation signs up for a reporter to install the people's livelihood from inside Beijing Haidian area one-stop service hall learns, the old average per capita that orchid of many similar king encounters and in install provide for the aged of the people's livelihood to serve limited company (the following abbreviation " in install the people's livelihood " ) signed " asset provide for the aged serves a product " contract, the emeritus series product with subordinate the people's livelihood is brought in was being bought. And alleged " asset " , it is value of the hold in these old hand namely millions of house.
02
5 paces fool an old person one flatlet
Let old people take a house to touch inferior loan. Oneself take away loan, the old person takes interest of a few months, how do the people's livelihood is being installed after all in carry out this fraud? Basically have the following situations:
The first pace: Attract an old person to understand " with room provide for the aged "
Thorough village sends out travel of handbill of service of provide for the aged, organization, let a few old people swallow the bait, let an old person understand in particularly sweet atmosphere " with room provide for the aged " .
The 2nd pace: Allow borrow or lend money of house property of old people guaranty.
" economy observes a newspaper " a proposal that disclose show, the clerk that the people's livelihood installs in first appraise value, the house property that has an old person is probably 3.3 million.
The clerk takes an old person to be in charge of to Beijing room at top speed bureau, dealt with oneself room guaranty to give an individual originally, old person and this the individual signed aggregate contract of 3 million loan, loan interest is monthly interest 2% , year change 24% , basically be to close the upper limit of compasses.
Of for no reason at all, the old person is abrupt borrow brushstroke is accurate usurious, every month must pay payment of interest to contributive person.
If old person age became old, it is only one flatlet cannot mortgage, the belt of familiar route of their meeting ripe door is worn the old person goes notarial, turn house property to child under one's name first, mortgage again loan.
The 3rd pace: Return the old person such as money to swallow the bait for the old person first
3 million of loan, old people can receive an income of 9 months commonly, need not return money, still can receive fund. The people's livelihood is installed to sign an agreement with the old person in, stipulate the old person gives the loan principal and interest that debit pays every months to capital, by in install the people's livelihood to pay, live out one's life in retirement of the people's livelihood is brought in should according to " loan contract " formulary time, amount and means acting Party B fulfil reimbursement obligation.
The 4th pace: Alluring old person is bought in the investment product that brings banner of the people's livelihood to fall.
The old person follows in install the people's livelihood to sign " asset provide for the aged serves a product " contract, oneself 3 million loan, the product below banner of the people's livelihood is installed to cry for in be being bought directly " firewood of month in and month out " product.
Substantially, it is the old person uses borrow or lend money of house property mortgage. The rapiddest rate, stay 1 hour only on the account face of the old person, delimit very quickly someone else or on Zhang of endowment pipe company, bought firewood of a month in and month out to invest a product, 1 year period take of 5% year change yield.
The 5th pace: Evacuate, old person house was done not have
However, good times don't last long, at first old person of a few months still can receive interest. But subsequently in install the people's livelihood to stop to extend so called " annuities " , back-to-back, even " firewood of month in and month out " accrual also was not sent.
Taking a room this contributive person does not receive fund, begin pair of old people all sorts of urging close, right now, the fond dream of the old person just wakes. They should cope with dun, do not take again here so called " annuities " , return the court on possible the accused. Because leasehold it is true.
03
At least 17 old people 31 million be cheated
So how many old person is cheated?
A judgment gave out last year a data: There were 17 old people at least 2015 31 million be cheated, among them an accomplice already put in prison was sentenced life imprisonment.
Basis " judgment of criminal of first instance of Zhao Haijia bilk " , 2014 the end of the year, the people's livelihood was installed to master a lot of old person clients in, but " with room provide for the aged " the project comes down without application, the Zhao Haijia bilateral chime in easily that follows experience capital issue.
Zhao Haijia, control old person client, it is for the most part by in install company of the people's livelihood to turn interpose.
Cover road and afore-mentioned, the clerk that the people's livelihood installs in old people classics introduces, the Martian company that follows Zhao Haijia comes to an agreement, the old person uses building mortgage borrow or lend money, after loan, use gotten money at investing company project, the old person can win get one's own back of high specified number from which, affirmatory annual interest ceases 5% ～ 6% differ, still can take the thousands of annuity that gets on 10 thousand yuan even every months.
So who does guaranty of old person house give? It is reported, current and contributive person many members that are beautiful room net, annual the member expends 1000 yuan, download APP of beautiful room net, have news of building mortgage loan among them.
Many lender also expresses, oneself are willing through signing up in beautiful room net after loan fund, can another intermediary and they are contacted, say to them, want a contract to expire only, if house-owner not reimbursement, can auction house property.
Because this is in this one operation, beautiful room net takes away commission, the people's livelihood is installed to cheat capital in, old person what is done not have.
04
Solid doubt charging a person is like break couplet
The company still says to want to upgrade transition
Platform of the people's livelihood is installed to held water 2014 in, register fund 500 million yuan, it is dedicated at development of estate of provide for the aged and service professional integrated platform.
Transmit of large space of net of official of the people's livelihood is installed in the country is carried out " with the room endowment insurance " media coverage, also emphasizing one's own side in serving an agreement is to carry out national live out one's life in retirement policy is offerred " asset provide for the aged " service. But money new reporter understands, essence of product of its provide for the aged and the content that the country popularizes are widely divergent, many in install the people's livelihood to allege " Cooperation Agency " also cast aside clear impact with its.
The eye that seize a day checks inquiry, legal representative of provide for the aged of the people's livelihood is being installed to be Li Jia a person of extraordinary powers in also is effective control person. li Jia a person of extraordinary powers is occupied than 96% .
Nevertheless, the effective control person that the people's livelihood brings in the message says is He Shengyang, and had broken couplet at present.
In collective of numerous old people " demand repayment " below pressure, on March 10, the people's livelihood is installed to give out in " refute a rumor statement " .
In the meantime, march 9, the people's livelihood is installed to release information in government-owned net in, put forward to want " upgrade transition " , predict to won't exceed 6 months time. The people's livelihood was installed to issued a letter that on behalf of Li Jia by legal person a person of extraordinary powers signs one on March 24 in, the content in the letter points out, cooperating to be checked oneself via detect, at the same time the reimbursement that makes effective plans check asset and project. In addition, say, if company transition is accorded with,anticipate, 1 or so year all problems are handled entirely end. If company transition anticipates not as good as, the item that can carry asset of sell one's own things and creditor's rights and operation to have will assure everybody's rights and interests, this process may need time at least 3 years.
Released again on March 25 " in install the people's livelihood to develop transition cash plan " article. Among them, the article points out 3 cash plan, come to the gain that carries operation of 6 big projects ensure follow-up cash, but be gathered up to give many feline be bored with by media however among them.
05
Economist: This is bilk
External Li Changan of professor of economic commerce college expresses, "With room provide for the aged " the original intention of policy, it is to alleviate of a few families pressure of provide for the aged, carry the kind that borrows money old person housing to guaranty of normal finance orgnaization, obtain fixed compensatory annuity every months, improve the living standard after the old person is emeritus thereby. Nevertheless, this one policy was regarded as by the certain orgnaization that do not have fine however the chance of ill-gotten wealth of amass wealth by heavy taxation.
From June 2014 the portion begins " with room provide for the aged " since pilot job, of this policy carry out was not held in both hands by heat. Up to now, a few insurance company began only minority this business, and quantity giving sheet is very few. Although the government concerns a branch to be aimed at " with room provide for the aged " published directive opinion, but still put in many difficulty in executive level, lack the be born detailed rules of form a complete set especially. Right now, a few folk are not insurance device itch to try, individual orgnaization is to use the flaw on policy to be hit more " edge ball " , even a few investment firms that do not have aptitude, asset management company mix mark among them, did " with room provide for the aged " of the type con.
