As normal as what be approved " with room provide for the aged " insurance product encounters cold photograph to compare, hitting socially " with room provide for the aged " cover, the con case of house property of diddle old people by again and again exposure.
Beijing youth signs up for a reporter to understand, on one hand, since reverse mortgage endowment insurance begins old people housing 4 years to come, shared 4 insurance company to obtain at present develop housing the qualification of reverse mortgage endowment insurance, but only two insurance company rolled out housing product of reverse mortgage endowment insurance, the life of only and happy person that begins professional work actually at present. Up to in April 2019, happy person life rolls out " with room provide for the aged " accept insurance of insurance product accumulative total 194 sheet (133) .
On the other hand, false " with room provide for the aged " one case 1300 more than old person is cheated, the potential market that explains our country housing mortgages reversely is existence, potential demand is apparent. Zheng Bingwen is solved thoroughly " the market very cold, cheater is very hot " basic measure depends on formulate relevant policy, encourage supply, satisfy requirement, let cheater do not have the space of exploit an advantage, be made as soon as possible namely and publish old people housing reverse mortgage assures policy, regard business of national policy sex as to bring into our country provide for the aged to guarantee a system its.
Encounter cold
True " with room provide for the aged " be sure 4 years accumulative total accept insurance 194 sheet
The country approves " with room provide for the aged " insurance product, namely old people housing mortgages reversely endowment insurance, it is business of endowment insurance of a kind of innovation that combines housing guaranty and life annuity insurance business actually.
Its mode of operation is, own a building 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, deal with gain will be first use at liquidate endowment insurance relevant charge.
The policy-holder that this product faces group for 60 years old above owns a building the old people of completely absolute property right, provide old people housing of reverse mortgage endowment insurance to have the insurance company of certain aptitude.
In June 2014, the original meeting that keep watch is released " about developing old people housing reverse mortgage endowment insurance coachs pilotly opinion " , start reverse mortgage formally safe and pilot, pilot city is 4 cities such as Beijing, Shanghai, Guangzhou and Wuhan. In March 2015, first housing of happy person life mortgages endowment insurance product is obtained reversely batch appear on the market sale, pilot enter materiality to run level. On July 31, 2018, old people housing mortgages endowment insurance enlarges countrywide limits formally reversely.
Since reverse mortgage endowment insurance develops old people housing 4 years, share 4 insurance company to obtain develop housing the qualification of reverse mortgage endowment insurance, only two insurance company roll out housing product of reverse mortgage endowment insurance. Current, the life of only and happy person that begins professional work actually.
Boreal blueness signs up for a reporter to learn from happy person life, up to by March 2019, happy person life mortgages endowment insurance business is in Beijing, Shanghai, Guangzhou, Wuhan, Nanjing, Suzhou, Dalian, Hangzhou reversely accept insurance of 8 cities accumulative total 133 (194 sheet) . Cast on average keep the age 71 years old, break alone old person of orphans and widows, empty nest, low income is had more cast strongly protect apiration.
The current situation
True " with room provide for the aged " the risk that product insurance company assumes house price to be not worth
According to statistic, had finished cast the policy-holder age that keep to be in on average 71 years old or so, hold number in part without filial family. Break without filial family and orphans and widows alone the first target that the old person is our product, this part group can be passed " with room provide for the aged " offerred old-age pension eases life pressure, cogent solve problem of provide for the aged.
Happy person life mortgages Chen Lei of senior assistant director says endowment insurance office reversely, the crowd that reverse mortgage endowment insurance suits quite is to break alone, old person of orphans and widows, empty nest or the old person that children supports. For example, liu aunt of 77 years old has a little room in Shanghai, remarry bereft of one's spouse does not have children, the alms that 850 yuan rely on every months after retiring lives, after seeing the press story about reverse mortgage endowment insurance, come round to seek advice by nephew and cast finally protect. Her house property value is 1.4 million yuan via evaluating, now besides alms, liu aunt every months OK and additional get 6000 yuan.
According to products plan, till,get old-age pension die; After old person die, insurance company obtains guaranty house property to deal with authority, its house property deals with earning is repaying endowment insurance of insurance company prepaid is relevant after charge, odd part still puts in the heir that pitchs the agreement when protecting 's charge all; If house property deals with earning can't endowment insurance of prepaid of liquidation insurance company is relevant charge, insurance company will assume the risk with house inadequate price, chase after countervail to the family member of the old person no longer.
Problem
True " with room provide for the aged " why to encounter cold? A lot of business flow still need to comb
Housing mortgages loan is a newly emerging things reversely, branch of a lot of local government is first time contact, no matter be policy code, still be mechanism of business flow, system, need to be combed afresh build.
For example, of happy person life " Fang Laibao " every sheet business is signed from the old person cast protect intent book, building to evaluate, hypothec person aptitude is maintained, building guaranty, notarial, to final each formalities be over gets old-age pension, should spend on 2 ～ normally 3 months time, the longest one only last a period of time 9 months. Evaluate the value, annuities number that can get every months to reach to the building in both sides for example after agreeing, both sides enters pawn and guaranty person relevant aptitude is maintained. From the point of real operation, whole technological process appeared to need the detail with farther suitable rub one's palm along smooth out with the fingers not less. For example " building property " . After our country room changes, some houses are filling the commodity room that makes epigenesis of gold of land sell one's own things trade to can appear on the market freely, but some houses are the reason such as confidential sex unit as a result of the unit, can be on the move in systematic interior only.
Be like again " property right property " . Defend a provision according to casting, cast the building that maintains an old person to have 100% complete property right to just can make pledge, because this fills,card of bow tie marriage, house property card adds a name to wait for the common problem that also is this link.
Borrowing money with traditional guaranty is to guaranty, can agree a specific guaranty deadline and amount are different, reverse mortgage is to cannot shift to an earlier date of conventional mortgage time limit and guaranty amount, need to be installed afresh in the system such as the flow of partial government sector, regulation from this, cannot support relevant business to deal with otherwise.
Expert
Reverse mortgage still needs our country housing environment of basic level law
National statistic bureau is newest issuance data shows, 2018 year end, 60 one full year of life of our country and above number 249 million, 17.9% what occupy total population, 60 one full year of life and above population exceeded 0-15 first year old population. As our country population aged degree is deepened continuously, perfect provide for the aged ensures system and quality of service of promotion provide for the aged to become urgent matter.
Recently, research center of social security of world of courtyard of Chinese company division " Chinese annuities essence calculates report 2019-2050 " forecast, balance of accumulative total of fund of primary endowment insurance reachs town worker hopeful reached peak value 2027 6.99 trillion yuan, begin to drop next, have the possibility of balance of extinct accumulative total to 2035.
Crisis of domestic provide for the aged upgrades step by step, very big the deficient that depends on provide for the aged paying ability partly, "One pillar " prop up already went all lengths, "3 pillar " blank urgently fill. On April 16, print and distribute of general office of the State Council " the opinion that serves development about advancing provide for the aged " (opinion of the following abbreviation) , in file of this heavy pound, "Finance of benefit of general of provide for the aged " make window, "With room provide for the aged " insurance and nurse for a long time the product such as fund of target of safe, provide for the aged is made clear to allude again together.
Zheng Bingwen of director of research center of social security of world of courtyard of Chinese company division thinks, reverse mortgage regards old people housing as a component of system of safeguard of provide for the aged, it has two effect that cannot replace: It is cannot replace a gender to what certain group adds emeritus income source. Of the means of 2 emeritus provide for the aged that are the provide for the aged that occupy the home cannot replace a gender.
He thinks, with its posture of his a few nations is compared, our country develops housing reverse mortgage still has an inferior position, that is environment of basic level law, society the field such as quality of orgnaization of service of sincere letter system, intermediary is endless and perfect. Solve thoroughly " the market very cold, cheater is very hot " basic measure depends on formulate relevant policy, encourage supply, satisfy requirement, let cheater do not have the space of exploit an advantage, be made as soon as possible namely and publish old people housing reverse mortgage assures policy, regard business of national policy sex as to bring into our country provide for the aged to guarantee a system its.
Zheng Bingwen suggests, particular operation can be adopted " American mode " , the state lends his name entrust a certain ministries and commissions specific carry out, offer to policy-holder and underwriter " two-way insurance " , this is the policy support mode with the greatest strength; Or take our country " Hong Kong mode " , national authorization orgnaization of a certain finance, it is with national credit endorse, offer to the underwriter " one-way insurance " .
In addition, in legal environment level, our country is current " inheritance act " , " matter right law " , " assure law " wait to still remain to perfect, put in the blank spot that a few law join, earnestly needs to edit relevant law clause, create favorable legal environment for reverse mortgage. In insurance company level, change in value of the standardization of the product, disbursement modular, calculative, the clever activation of deadline improve a space very big also.
Look into
"With room provide for the aged " legal level needs as soon as possible form a complete set and perfect
Future hopes more accords with the social force of aptitude, be like commercial bank, fair do or orgnaization of provide for the aged of run by the local people is participated in " with room provide for the aged " come in business, the participation of more market main body, ability enlarges the dimensions of regular army market, increase product and service supply, also can bring larger social force.
Happy person life mortgages Chen Lei of senior assistant director represents endowment insurance office reversely: "From level of industry of business of this one innovation development looks, be born of detailed rules of policy of even further perfect and relevant form a complete set and administrative measure come on stage. This 2019 " opinion " put forward, trade in estate, guaranty is registered, the orgnaization such as notarization establishs green channel, simplify handle affairs program, promotion serves efficiency, the appeal before this responded to us namely and appeal to beg, governmental outgoing message when as soon as possible be born, how to carry out reach the designated position to still remain relevant function branch is cogent participate in, drive jointly. Drive jointly..
Additional, according to reverse mortgage endowment insurance idiosyncratic, he an authority card (the praedial card that register) the specified number of highest creditor's rights that attend is met outclass is uptodate assess value, " assure law " with " matter right law " certain to this definition and explanatory existence difference and conflict, opposite for, " matter right law " clearer reflect protection inside limit of forehead of highest creditor's rights preferential authority sufferring countervail. Legal level if can as soon as possible form a complete set and perfect, more be helpful for be being popularized in the whole nation in product of innovation of this one finance.
Newest
The State Council publishs 28 support " with room provide for the aged " safe
Recently, print and distribute of general office of the State Council " the opinion that serves development about advancing provide for the aged " (the following abbreviation " opinion " ) , those who offerred services of a series of supportive provide for the aged " hard nucleus " content, 6 respects in all measure of 28 specific policy. Among them, developing field of finance of benefit of general of provide for the aged, put forward clearly " supportive commerce insurance device develops old people housing in city of ground level above business of reverse mortgage endowment insurance " (the following abbreviation with the room endowment insurance) .
The expert inside course of study expresses, of outgoing message of the government before this relevant in stating, "With room provide for the aged " safe fixed position is plan of safeguard of integrated provide for the aged, and what become banking of benefit of general of provide for the aged now is important one annulus, the sense is great. "' with room provide for the aged ' insurance conduces to perfect mutiple level provide for the aged of social security system, promotion pays ability, how to drive more market main body to participate in next, still remain to carry a layer on the head to design detailed rules be born, policy of innovation government reveal all the details and perfect law form a complete set join.
Clew
True and false " with room provide for the aged " how to distinguish
The personage expresses related happy person life, distinguish true and false " with room provide for the aged " product, basically have needed to notice at 3 o'clock: It is normal " with room provide for the aged " insurance product full name is " housing mortgages reversely endowment insurance " , manage by professional insurance device, except by the month the annuities that get comes outside die, the old person does not need to pay additional fee. False " with room provide for the aged " short-term conduct financial transactions builds the temptation in accrual of high specified number more under, the old person is in guaranty house property when, often can be asked to sign contract of a loan.
2 be " with room provide for the aged " insurance agrees the same term inside, building droit puts in an old person 's charge all, the insurance company after old person die just can deal with. Cast protect whole journey to reach cast after protecting, house property card is in old person hand, because this follow-up insurance company deals with,the heir of agreement of the need when house property cooperates. False " with room provide for the aged " in the project, some orgnaizations can ask the old person is signed complete entrust notarial deed, bring about house property to deal with the right by complete make over relevant intermediary orgnaization, intermediary company later period can sell house property independently. 3 it is the earning when house property deals with is repaying endowment insurance of insurance company prepaid is relevant after charge, odd part still puts in heir 's charge all; If house property deals with earning can't endowment insurance of prepaid of liquidation insurance company is relevant charge, insurance company will assume the risk with house inadequate price, chase after countervail to the heir of the old person no longer.
According to regulation of the original meeting that keep watch, old people housing mortgages reversely the hesitation of endowment insurance product period for 30 natural day, if not be willing to continue,consumer is in inside this deadline hold this contract, optional choose is in the contract removes inside hesitation period, in order to reduce the loss of likelihood happening.
