In the hearts of most elderly people, they have a similar vision for their later life. That is, first of all, the economy should not be too tight, the quality of life is guaranteed, and even travel outside, and take a look. In addition, after losing self-care ability, someone can take care of them, such as living in a nursing home with a better service, without burdening their children. But to satisfy such an idea, the word "income" cannot be separated. So what about the elderly who have very limited economic conditions?
I can take up to 21,000 people to live a high quality life.
On October 15, Kang Xixiong, 74, who lives in Beijing, is looking for a new tourist destination on the computer. Kang Xixiong was the first person in Beijing to handle the reverse mortgage of housing pension.
The daughter of the Kang Xixiong couple died many years ago. The old couple had no savings except for the property. The monthly pension combined with more than 7,000 yuan, the monthly income looks a lot, but the couple always have a sense of crisis. Therefore, I don’t dare to spend money.
Kang Xixiong was not willing to spend his life in his later years. He began to pay attention to various financial products and hoped to find a solution. In June 2014, the China Insurance Regulatory Commission issued the “Guiding Opinions on Piloting the Reverse Mortgage Insurance for the Elderlyâ€. Since July 1, 2014, the four cities in Beijing, Shanghai, Guangzhou and Wuhan have launched the reverse of the housing for the elderly. Mortgage pension insurance.
To put it simply, the old man mortgages the property under his name to the insurance company. In the case that the property rights of the house are still owned by the elderly, the insurance company pays the pension to the elderly on a monthly basis according to the value of the property until the old man dies. After the death of the old man, if the pension already paid exceeds the value of the property, the loss is borne by the insurance company; after the death of the old man, if the pension already paid is lower than the value of the property, the heir of the old man can choose to cancel the mortgage. You can choose to cash out the difference. In fact, the reverse mortgage insurance for the elderly has been running in developed countries in Europe and America for decades. It can turn the hard-to-realize property into a stable economic income for the elderly . Therefore, for the elderly who have low income and have their own housing. In terms of quality, it can improve the quality of life in later life.
In 2014, Beijing began to pilot the reverse mortgage of housing pensions, and Kang Xixiong was the first to be named. In his view, people can't be slaves to assets, and assets are for people. He wants to revitalize his own real estate and enjoy a happy old age. In 2014, Kang Xixiong’s evaluation of this house was 3.05 million. In the lifetime of the couple, they received 9100 yuan of pension from the insurance company every month. When the monthly income changed from 7,000 yuan to more than 16,000 yuan, the old couple Life has also undergone earth-shaking changes.
In Kang Xixiong’s home, the reporter saw that the old man is eating Canadian wheat flour. He is coming soon in winter and has bought a multi-function electric cooker.
Beijing citizen Kang Xixiong said: "This is also the latest thing, the new product, the most important thing is that we have money in our pockets, say buy and buy."
The old couple still counted an account. After living in a nursing home, the house can still have a rental income of 5,000 yuan per month. The total income of one month can be as high as 21,000 yuan , which can basically pay for the nursing home. After completely no worries, the two old people began to dream about their youth, travel abroad, and take a good look at the world. Last year, they went to Germany for tourism. This year they spent another 60,000 yuan to go to the three Nordic countries and plan to go to the United States and Russia next year.
Kang Xixiong said: "In the morning, I want to spend money today. Why? It is coming from a steady stream, and it will be sent to you at the end of each month."
Also, by improving the quality of life with the elderly, there is also Tan Shuyi of Guangzhou. Tan Shuyi is an ordinary old man in Guangzhou. After she divorced many years ago, she has no children. She is a 70-year-old who lives alone in a simple life.
70-year-old Tan Shuyi can get a pension of 2,500 yuan a month. A month later, water, electricity, gas, telephone, and rice noodles, vegetables, toothbrush and other daily necessities, these necessary living expenses will cost about 1,600 yuan, plus human relations, there is almost no money left.
Due to financial constraints, Tan Shuyi’s home has been decorated 30 years ago. The floor and wall tiles have not been changed. Apart from a bed and simple coffee table and chairs, there is almost no decent furniture. The windows are covered with paper. It replaced the curtains. In addition to the property, the 70-year-old Tan Shuyi has almost no savings. What should I do if I am sick later? Who will take care of himself after losing his ability to act? She never dared to think about these problems. In 2015, relatives came up with the idea: let her sell the suite, rent a house to live, solve the problem of financial constraints and future pensions.
Tan Shuyi, a citizen of Guangzhou, said: "You sold the house, there is no such nest. When you get old, you go to rent a house, but you live in someone's place. People are going to ask you to leave and go everywhere. I am looking for a house everywhere. It has been a long time to consider this issue."
Tan Shuyi's 50-square-meter house in Guangzhou, the market evaluation price of 720,000 yuan, but she did not dare to sell, can only guard this large asset, continue to be troubled by various concerns.
At the end of 2015, Tan Shuyi’s elderly life was suddenly dawned. She found that she could get more income through housing pensions.
Tan Shuyi said: "I can rely on it, and I can rely on it for life."
Tan Shuyi's real estate is in her own name. She has no children, she is single, and she decides to be the master. After handling the housing pension, the insurance company paid her 1900 yuan per month until her death. The monthly income of Tan Shuyi quickly rose from 2,500 yuan to 4,400 yuan. After she was loose, Tan Shuyi quickly started her new life. In the second month, she bought this 4000 yuan air conditioner. In the past ten years, due to financial constraints, Tan Shuyi has not bought a new dress and has not traveled abroad. Now that she has money, she starts to buy new clothes for herself. Occasionally she will participate in a tour group that costs around 1,000 yuan each time and feel the great changes in the motherland. She was very happy with her friends and took a lot of photos and felt very happy.
After going through the reverse mortgage of the housing pension, Tan Shuyi also had an unexpected discovery. Her house was only mortgaged to the insurance company, but the property rights were still their own. Therefore, after she entered the nursing home in the future, this house can still be used every month. There is a rental income of 2,000 yuan. At that time, her monthly income will reach 6,400 yuan. It is basically enough to live in a nursing home with low fees.
Tan Shuyi said: "You can take care of yourself. You can do it for more than 3,000 yuan. Now I heard that this is the case in the nursing home. I don't know it later. If I can't take care of myself, I guess it will cost more than 4,000."
From the previous monthly income of 2,500 yuan, to the current 4,400 yuan, the future will reach 6,400 yuan, Tan Shuyi feels that the old age has finally fallen. Now she often meets her girlfriends, spends forty or fifty yuan to drink morning tea, and maintaining her body and enjoying life has become a new theme.
Like Tan Shuyi, many elderly people do not have high retirement income. Therefore, after participating in the mortgage of housing pensions and revitalizing the sleeping property into daily income, the quality of life can often get a qualitative leap and even solve the future living. The financial problems of nursing homes. During the interview, the reporter saw that the insurance company Guangdong Branch is co-organizing various activities with senior citizens' associations in some communities.
Wang Su, a senior commissioner of the housing pension program of an insurance company in Guangdong, said: "According to the data released by the Civil Affairs Bureau in June this year, the elderly population over 60 years old in Guangzhou should be 1.54 million, and the aging rate should be above 16%. In a city with a relatively high degree of aging, more than 610,000 elderly people receive urban employee pensions. The average level of pensions is 3,000 to 4,000 yuan per month. In addition, more than 400,000 elderly people receive residential pension insurance. This part of the elderly, they receive the monthly pension from the Social Security Bureau, should be within 1,500 yuan."
In Wang Su's view, the elderly who have low income after retirement and own real estate, but who want to improve their quality of life, are the just-needed groups that are mortgaged by the housing pension.
Wang Su said: "The most households receive more than 29,000 yuan per month, and the lowest one is to receive 1884 yuan. The per capita income from us is more than 9,000 yuan per month, which is equivalent to the average annual salary of our city in Guangzhou. 1.35 times."
However, the reporter also noticed that only 167 elderly people participated in the products that help the elderly to improve their quality of life. In 2014, the China Insurance Regulatory Commission approved four insurance companies to pilot the reverse mortgage insurance for the elderly, but so far, there is only one financial product actually put on the market.
Wang Su told reporters that there are three main reasons for the slow progress: First, the age of the elderly must be between 60 and 85 years old, which may cause some elderly people to participate. Second, many elderly people do not have the full property rights of their homes and it is difficult to participate. Third, the children of some families do not want the elderly to mortgage the house in order to inherit more heritage.
Wang Su said: "It is the old people after 1930 and 1940 that are more prominent. The elderly want to do it very much, but the children do not agree, or the children have other ideas, and the elderly will take care of the children's ideas."
Wang Su said frankly that the elderly who have already applied for mortgage mortgages in Guangzhou are almost all elderly widows, and families with children are rare in participating in this product.
Stable earning does not compensate for the reverse mortgage to test the insurance company's profitability
The reverse mortgage of housing pension can indeed turn the sleeping property into a steady income of the elderly and improve the quality of life in later years. However, in August 2017, Beijing had exposed a housing scam, and the scammer used the name of housing for the elderly to sell the property with an old market price of 4.5 million yuan for 2.6 million yuan. More exaggerated is that There is also a house worth 7 million yuan for the elderly who was sold to others for only 1,000 yuan.
The emergence of these scams has also cast a shadow over the “house-to-house†model that has just been in operation for three years. Therefore, we must remind the elderly that they must find a formal institution to follow the formal procedures.
Mr. Feng Guibiao, 82, of Guangzhou, retired, the couple earned more than 8,000 yuan a month, and the monthly living expenses of 2,000 yuan, about 6,000 yuan. In order to buy the house that currently lives, the old couple spent all their money. When the old man heard that the mortgage of the house was reversed, he hoped to mortgage the old house to increase the income of his later years. After consulting the opinions of the two daughters, the daughters were very supportive. Feng Guibiao quickly completed the formalities and will be worth 90. More than 10,000 yuan of property mortgages to insurance companies, the old couple can get a monthly pension of more than 3,700 yuan.
After the mortgaged old house is rented, there is still a rent of 2,000 yuan per month. Calculated, the two old people now earn about 13,700 yuan a month.
Now, Feng Guibiao and his wife can save about 10,000 yuan per month. The bank's savings have increased. He began to pursue higher living goals. Unlike many old people, Feng Guibiao loves to learn new knowledge. At home, the reporter saw a few thick notebooks filled with tips and practices for various dishes.
The old man also learned to brew a variety of medicinal liquors. This year, he thought that his information was not enough and he was out of touch with the society. Therefore, he spent another 300 yuan to enroll in the computer class of the old university to learn computers. Now, 82-year-old Feng Guibiao is opening a computer at home every day, telling 76-year-olds about the new changes in the world.
Although the reverse mortgage of housing pension can help the elderly to improve the quality of life, after the death of the old man, what kind of price does the heir have to pay in order to get back the property? To this end, the reporter found the reverse mortgaged actuary Wang Hao at the insurance company headquarters, she told reporters that the reverse mortgage of housing pension is a meager profit operation, the purpose is to provide more choices for the elderly, therefore, the heir only needs to The insurance company can repay the mortgage if it pays the pension already paid and pays very low interest.
Their fees are very low and the interest rate is only 5.5%. She also told reporters that unlike foreign countries, if the mortgaged property appreciates in the future, then the gains from the appreciation will be owned by the heirs of the elderly. At the same time, the housing mortgage pension reverse mortgage products can also help the elderly family to resist the risk of falling house prices.
Wang Wei said: "For example, let me make an analogy. We have already paid 1 million yuan to the elderly. But in the future, this property will only be worth 500,000. In fact, our insurance company is losing money. This part does not need to be old. The heir assumes that this part is borne by our insurance company."
The insurance company's benefit space is only about 5.5%, but it bears the risk of longevity for the elderly and the risk of falling house prices in the future. So, how is the insurance company's account calculated? Chairman Li Chuanxue told reporters that at present, this product is still in the initial stage of development, but in the future, there will be more follow-up products to increase profits. In Guangzhou, reporters saw that Happy Life is contacting and inspecting various types of nursing homes.
Wang Su, a senior insurance commissioner for an insurance company, said: "Our customer base is getting bigger and bigger. When the strength of our family can't take care of so many old people, we will join these institutions."
At present, cities such as Nanjing, Suzhou, and Dalian have begun to invite Happiness Life into the local market. In these cities, this will not only provide more old-age choices to the local elderly, but also external insurance funds flowing into these cities. Economic development is helpful. For example, in a city, there are 10,000 elderly people who participate in the mortgage of housing pensions. Each elderly person receives an average of 50,000 yuan per year. Then, in 20 years, 10,000 elderly people can bring 10 billion yuan to local cities. cash flow.
China is one of the countries with the highest per capita housing in the world. The reverse mortgage of housing pension can not only help the elderly to improve the quality of life in their later years, but also generate more and better old-age products, but in the face of the current slow promotion process. Li Chuanxue also believes that there are still many traditional ideas that need to be changed.
Li Chuanxue, the chairman of an insurance company, said: "We are 167 singles, and more than 90% of them are elderly people who are lonely. It is easy for children without children to accept mortgages for housing pensions. But if there are children, if they have property, they will not give them children. It is difficult for children to pass this level."
Half an hour observation: promotion of housing pensions still need to be refined
Today's show, we see that the introduction of the new pension model of “house-to-house pension†has enabled several elderly people to improve their quality in their later years, and also solved the cost problem of living in a nursing home in the future. It should be said that it is in line with social progress. The need for diversity in the process is a complement to the existing way of providing for the elderly. However, in the past three years, the domestic promotion is still very small. According to the data provided by the China Insurance Regulatory Commission, as of May 20, 2016, there were 78 households with 78 households applying for housing maintenance, and 47 people who completed all the procedures. Household.
The reason why this innovative pension model is cold is that it is difficult to change in addition to traditional concepts; insurance companies cannot share the value-added income of housing, but they have to bear the risk of falling housing prices in the year when the elderly died. This is why most financial institutions do not participate in housing pensions. Positive and important reasons, therefore, in response to this situation, the relevant specific provisions should be further refined and supplemented to alleviate the wait-and-see mood of both sides. Only these problems can be effectively solved, and “householding the elderly†can truly become a safe choice for ordinary people to support their old age.
(Article source: CCTV Finance WeChat public ID: cctvyscj Image source: CCTV Finance)
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