A few days ago, substation of Haidian of Beijing public security bureau releases circumstance bulletin to say, in the light of provide for the aged of the people's livelihood is installed to serve limited company to be engaged in collecting money illegally in asset of the people's livelihood is being installed to manage limited company to reach in investor informs against Beijing mobile circumstance, public security mechanism already was investigated to relevant company put on record, police lawfully criminal detains guilty suspect 88 people.
"With room provide for the aged " fraud not merely this one. Beijing, Shanghai had a batch of old people to be deceived 2017. In October 2018, of media exposure in install the people's livelihood " with room provide for the aged " in fraud, 17 old people are cheated to mortgage amount exceeds 31 million yuan.
Company of a few cheater is being hit " with room provide for the aged " banner, made a what inning after all, let old people hand over the house? This bureau says simple, but anatomize comparatives again complex. To let uncle aunt, our father our Mom sees well the trap inside, hemp vicious a general term for young women this " cover a region " ravel, look inside how many to have " hole " .
Hitting " with room provide for the aged " banner, house property of diddle old person
Will what see first is true " with room provide for the aged " .
Normal " with room provide for the aged " insurance product, full name is " housing mortgages reversely endowment insurance " . Own a building namely the old people of complete property right, its house property guaranty gives insurance company, continue to have a building to have, use, accrual deals with with what agree via hypothec person authority, till,get old-age pension according to stipulation die; After old person die, insurance company obtains guaranty house property to deal with authority.
Above this paragraph of word, dot of a few keys needs special attention:
1, house property must mortgage the insurance device that has normal license plate.
2, inside contract period, building droit puts in an old person 's charge all.
3, after old person die, insurance company just can deal with house property.
If somebody pulls you " with room provide for the aged " , only should one catchs up with do not face on, probable namely " hole " , must not his mind disturbed, must not be duped!
Will look again, collect money illegally bilk type " with room provide for the aged " have what feature. Cheater people guaranty of meeting flicker old person has house property oneself, but not be guaranty gives insurance company, also not be a bank; The purpose of guaranty is not provide for the aged, borrow money however, and this loan or " usurious " .
Cheater lets an old person mortgage the house borrows money, have a plenty of guaranty to give stranger, have a plenty of guaranty to give put lend a company. The person that has common sense a bit knows, loan is terminable, and every month is need reimbursement. A house is on mortage, loan amounts to 10 thousand yuan about a hundred, accrual of one time high specified number is about 20% , does the old person have this ability to repay?
The most abhorrent is, the old person mortgaged oneself house, do not take at all however explain borrowed fund, this money took the account of cheater company directly.
Say normally, the old person borrows money with oneself house, won't let cheater take away for certain! Right now, of cheater " legerdemain " begin to produce effect, they tell an old person: The accrual that high interest borrows money need not you pay, the company helped you go out. Of course the company also is not " vivid Lei Feng " , the company helps you " back " accrual, premise condition is you must throw money to the company.
See here, you can say for certain, this is to let him old person actually guaranty house property, borrow money for cheater company, by what? Fasten urgent, the action tactics of cheater came again: Throw money to the company to buy product of conduct financial transactions, company not only can help you " back " loan interest, still can share out bonus to you. "The share out bonus that invests conduct financial transactions is quite considerable, can achieve 9000 yuan every months to go to 10 thousand yuan, you can take this money provide for the aged! " cheater says so.
So far, whole process is more clear: With " house " begin, with " provide for the aged " ending, collect became so called " with room provide for the aged " mode. And face so inviting " cake " , very much old people may lose resistance, also lost resolution to the word of cheater.
Rip go " with room provide for the aged " pack, it is actually so one and the same: The house property that the old person takes him is on mortage, borrowed usurious to cheater company, cheater company takes this money to pretend to invest, return interest of high specified number for the old person already, give an old person profit of high specified number again. Hemp vicious a general term for young women cannot help wanting to ask: This company invests so that have much taller get one's own back, is ability maintained so that live does both ends pay?
A person with a discerning eye looks to know, it is to be not maintained for certain. Do not maintain irrespective, cheater has enrol: The profit of high specified number that gives an old person stays hair! For the old person " back " usurious stop still!
This, old people was dumbfounded thoroughly: Usurious company not " back " , oneself sign that loan contract, have to oneself are returned; Economy gains was done not have, that company still can give me capital, good come back house atone for? Cheater speaks plausibly and at length: The company invests failure, your capital already " hit water to float " . Investment has a risk originally, there is a share when making money, be out of pocket also must move round.
At a draught, the old person is highed by park dangerous situation ground: Money was done not have, the house is dangerous also. Because him go off with gives investment loan, compensate have to admit grow; Mortgage loan is the contract that the old person signs with creditor, still do not go up money creditor is about to control a house.
From A to Z, it is cheater company is being done " bureau " , but piece finish sth, responsibility pushed old person body. Fall into such trap, the price that old people pays is too big! Public security mechanism must make a thorough investigation of the thing, severity hits those harms society, entrap the cheater of the old person. Old people also should have one chasm to grow one wisdom, do not clear business, should follow young man and woman more people discuss, not temporarily impulse leads to catastrophe, it is too difficult to remedy again.
Perfect policy aggrandizement is superintended, this " small numerous " product of provide for the aged does actor to make choice
In recent years, all sorts of hitting move " with room provide for the aged " the fraud of banner emerges in endlessly, comply with law truly " with room provide for the aged " little however humanness knows. Statistic shows, exclusive one have real business " housing mortgages reversely endowment insurance " project, come to 133 5 years sign sheet merely.
Why " plum ghost " infestation, "Li Kui " is instead record record anonymous?
A, "With room provide for the aged " the small numerous product that just also fits a few senile group, for instance man captures old person, single old person, perhaps have the old person of much ring room, do not apply to all senile groups. Data shows, the United States begins guaranty of housing individual event to borrow money 50 come for years, this business is in the permeability in old person of 62 years old of above is only also 0.9% the left and right sides. "With room provide for the aged " the photograph is otherer financial product or plan of provide for the aged, market acknowledge is spent low, not strange also.
Second, price of our country house is in ascendant cycle on the whole in recent years, a lot of dwellers stem from investment objective to purchase, hold house property, hate to part with mortgage a business organization instead; Have again, risk of interest rate risk, house price wave motion and legal policy risk, bring bigger challenge to bank, insurance device. More important is, "Raise prevent old " popular feeling of development of traditional idea idea, most old person again live frugally, also do not wish to take a house to improve his life, want to give later generations as fortune inheritance however, "Stay read aloud want " . Below the influence of a variety of elements, the enthusiasm of orgnaization promotion, sale is not tall, consumer is right " Li Kui " acknowledge is spent low, let " plum ghost " got chance.
Develop " with room provide for the aged " mutiple level to perfecting resource of safeguard of social security system, rich provide for the aged, have active sense. Look into future, let true " with room provide for the aged " play action, still a lot of jobs are improved urgently.
Improvement furnishs, besides " enlarge is measured " more should " carry qualitative " . At present of the bank " housing is mortgaged instead " business nearly backwater, of insurance company " reverse mortgage is safe " , still do not have the business follow-up be born of the 2nd insurance company, carry at demand relatively for, supply end still has very big improvement and the space that increase, get used to house price to go for instance situation, raise the nimbleness of products plan, in pay, the respect such as valuation, deadline undertakes improvement.
In national policy level, in the system arrangement that reverse mortgage brings into housing of need general old people to guarantee a system to our country provide for the aged, provide corresponding policy support. A lot of countries are direct certain to offerring housing to mortgage the underwriter of the product gives reversely taxation derate, improvement is current insurance company shares enthusiasm inadequacy of ability of not tall, supply, share aspiration low wait for problem of a lot of reality, in order to satisfy the need that compose builds mutiple level provide for the aged to guarantee a system.
In legal environment level, law of right of our country's current inheritance act, matter, assure the law still remain to perfect, put in the blank spot that a few law join, must edit relevant law clause. If relevant company did not give out more products, also may encounter more legal environment difficult problem, the insurance company amount that if did not come,enters especially increases, line of the products is various, encounter problem of a lot of other law likely.
What is recognize only bilk case, what is normal with project of room provide for the aged, ability avoids more people to should be decieved, enter pit by accident. Right " with room provide for the aged " this newly emerging things, cannot enlarge its applicable crowd limits blindly, ambiguous its serve as " small numerous product " appearance, also cannot give up eating for fear of choking-refrain from doing sth necessary for fear of a slight risk, block real demand outside the door. (kitchen · hemp is hot in the center of the People's Daily atelier of finance and economics)
