Dongye Guiwu is in " white night goes " in say: "There are two kinds of things on the world cannot orthoptic, one kind is the sun, one kind is popular feeling. One kind is popular feeling..
This year April, hitting " with room provide for the aged " for cover, go up from old people body " break the bones and suck the marrow-cruel " of seek interest " in bring limited company of service of provide for the aged of the people's livelihood " be investigated by put on record.
One illegallied or forcibly occupy long cancer of 4 years, rose to surface eventually, also let us see a debt of blood of backstage again and again.
With room provide for the aged, this country ever was pushed energetically esteem, the policy of new-style provide for the aged of root Zheng Miaogong, begin to be in Beijing, Shanghai from 2014 and other places is pilot.
Normal " with room provide for the aged " it is to show old people mortgages housing reversely endowment insurance, it is business of endowment insurance of a kind of innovation that combines housing guaranty and life annuity insurance business.
Its mode is very simple also, the old person gives insurance company house pledge, the house still can continue, every month gives insurance company money of provide for the aged of old person brushstroke.
After old person die, insurance company can make up for the fee that pays before through treating a building.
This to a few be resided alone or settle without children, children below genu for foreign old person, be very right choice.
But with mode of room provide for the aged, itself still stays in not figuration and promotion phase.
From 2014 pilot begin, share 4 insurance company to obtain " with room provide for the aged " qualification of product put on sale, but only 3 insurance company rolled out relevant product, the life of only and happy person that begins professional work actually.
This gave the people's livelihood is installed in resembling such cheater company with an opportunity given by, their road be such:
First from card of house property of the diddle in old person hand, mortgage next with house property card loan. The money that lends also won't give an old person, use at buying the product of conduct financial transactions of their oneself however, arrived actually namely the pocket of cheater.Want a house again this? Want money again? You can think for certain, the old person can believe by what.
Fasten first urgent, cheater people a few dirty trick, also be exceeding " close " , cheater acceptance mortgages the house after expiring still is you, the old person still owns a building deal with authority.
Average house guaranty borrows money, be to need those who pay interest.
Cheater can tell you, accrual also need not worry, we can help you return, the product of conduct financial transactions that you use a mortgage money to buy us only is OK, can obtain the accrual of 6% every year to serve as annuities.
If a house is OK,guaranty is borrowed 5 million, so be equal to an old person to be able to obtain the annuities of 300 thousand every year for nothing.
Sounding is exceeding happiness. . . . . .
This where is the company with room provide for the aged, it is clearly run to become charity.
The thing goes abnormality to have evil spirit surely, we will calculate brushstroke economy Zhang.
Cheater takes house property testimony, dare not go to a bank undertaking borrowing money mortgaging, general meeting gives tripartite the orgnaization house property pledge.
And general the loan interest rate of collection of such tripartite orgnaization too won't low, we with year change interest rate 15% for exemple.
The people's livelihood is installed to need to pay tripartite orgnaization the interest of 15% on one hand in, on the other hand need gives an old person the old-age pension of 6% accrual.
This also is meant, the people's livelihood is installed in every do brushstroke business, capital cost will be as high as 21% above.
The capital cost of 21% ! Counter a day ah, what business ability is achieved.
It is a try to palm off sth. inferior to what it purports to be clearly, from at the beginning, the people's livelihood is installed to plan to come namely in of kite.
The person arrives senile, the completely that family property accumulated over a long time is extracted, not only want money, be the lot that wanted old people more.
And some closer year, the legerdemain that is aimed at old people is fast also change.
1, deposit changes guarantee slip
Old people likes to go to a bank putting money, but a few in the clerk of small bank for deduct a percentage from a sum of money of high specified number, can sell goods on a commission basis the product of conduct financial transactions that is not this bank.
Have media coverage for instance, 80 years old of old people go to a bank putting money, was bought by flicker however finally danger of a fixed share out bonus, after wanting 30 years, ability gets share out bonus, 110 years old go getting share out bonus, my drop is darling. . .
2, collect taste fraud
Old people likes to collect calligraphy and painting of a few antique, but it is good that a few people that make a holiday cast its place, discern to doing not have major for the old person of ability, very light beautiful big price purchases fake.
3, health care tastes fraud
Qian Ge often can see, in park, square a few covert corners, have a few people, hitting " give a gift freely " , " expert justice examine " cover, actually buys his costly health care to taste for flicker old people namely.
4, provide for the aged serves fraud
2017, shanghai triumphant morning with " book provide for the aged to serve " the name of the contract, to " investor " acceptance year return rate achieves 9 ％ ～ 12 ％ , short-term adduction takes capital to be as high as 28.19 million yuan, and capital of a huge sum falls to private pocket directly.
This kind of fraud has two kinds of forms commonly.
It is to hitting the cover of provide for the aged to hawk membership fee, bail to old people;
draw fund illegally.
. . . . . .
No matter be " with room provide for the aged " cheater company, still be the new-style a few legerdemain that aim at old people, in the final analysis, it is a few people that lost conscience, extend profitable hand to old people.
Jin Yong ever had said, some people have money very much, have very knowledge, famous energy of life very much, but they do not have same thing generally -- conscience.
The deficit of fraud can be on guard make up for, but of human nature be short of break, be afraid also be not made up for forever.
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