Ji'nan has not been able to make progress in the trial of housing endowment for two years.
source: Xinhua net Author: Liang Kai Wen
recently, the State Council issued a number of suggestions on accelerating the development of the old-age service industry, which mentioned the pilot of old people's housing reverse mortgage pension insurance. What is the feasibility of exchanging real estate for pension resources? A reporter's visit found that the attitude of Ji'nan residents is different. Wang Zhongwu, a sociology professor at Shandong University, said that "providing for the aged" is a solution to the increasingly severe pension problem.
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Lao Zheng plans to carry out the old people's housing reverse mortgage pension insurance for the elderly
"some suggestions on accelerating the development of the old-age service industry", and the specific operation method is expected to be introduced in the first quarter of next year.
"housing for the aged" refers to the elderly by mortgaging property rights, regular amount of pension, the old man's death, the bank or insurance companies to recover the right to use housing. The city of Ji'nan was also tried two years ago.
Sheng Fu Garden District is a new residential district in eastern Ji'nan, but the residents are mostly located from Daming Lake and Jie Fang Pavilion. Zhang Xinjie, director of the community committee of Sheng Fu Garden, said: "there are many elderly people who are widowed, disabled and empty nesters in the community. Pension is indeed a big problem."
Mr. Cheng, a resident of the District, is more than 80 years old. Although he is old, he is still the busiest man in the family. When reporters saw him, Mr. Zheng was cooking in the kitchen. "My wife just broke her leg some time ago. Her daughter was not fit for her life and could not take care of herself." He said, "I have looked after her for over 50 years, and now I am old, and her hair is white."
Yang Shengguo also lived in Sheng Fu Garden. He had never been married, and now he lives alone. After moving to the community in the middle of the Olympic Sports Center, the old man still liked to pass the time to the hero mountain square. However, Yang Shengguo also has his own worries: "what to do in the future? Is the government's nursing home enough?"
Mr. Zheng told reporters: "I have two sets of houses in Sheng Fu Garden. If I wait for my wife and children, I want to leave the house to the public and send her daughter to a sanatorium." In fact, Yang Shengguo also has the same consideration, the new related policies provide them with the possibility of "housing endowment".
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it is difficult to break away from
it is known that most of the old people who consider the "house for the aged" policy are orphans and widows, and the majority of the elderly who have children have no similar plans. "A house is worth a lot of money, and the elderly do not want to give it to others, and the children want to inherit the house." Some people say that.
Zhang Xinjie, who worked in the multi-year neighborhood committee, thinks that the obstacles in concept are the reasons that affect this policy. "As the saying goes, a hundred good filial piety is the first. If our old people use a house to change their pension, how embarrassed they are, "Zhang Xinjie said," but the children are busy and the old man's pension problem is really worth paying attention to. "
Su Zhiwei, President of Ji'nan Xinhe old apartment, said that most of the elderly apartments are old people who can't take care of themselves or take care of themselves. "I have been a senior citizen for more than 10 years, and the idea that the children do not send the old man to the nursing home is not changed."
a staff member of the Ji'nan branch of Pufa Bank pointed out that our country's houses are all property rights years, and the current evaluation of real estate has not formed a scientific system, which have affected the landing and implementation of the relevant policies.
in 2011, CITIC Bank Ji'nan branch launched the "old age mortgage" business, and citizens who are over 55 years old and in good health can apply. According to the reporter's understanding, because of very few people, the business is basically at a standstill.
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according to the staff of the Ji'nan Civil Affairs Bureau, at the end of last year, there were 1 million 60 thousand elderly people over 60 years old, and 1 million 110 thousand people were expected to be aged at the end of this year, and the aging rate was 18%.
compared with the growth rate of the data year by year, the pension resources in Ji'nan are seriously inadequate. At present, there are not more than 1 old apartments for every 100 old people, and the resources of the aged are different. "
Zhang Xinjie said:" now there are two problems. Children with children are reluctant to let the elderly live in a nursing home. They do not have time to take care of the elderly; the old and the widowed old people can't afford to enter a nursing home, and the beds of the nursing homes are limited. Some time ago, a lonely old man was found dead in the house.
reporter interviewed Wang Zhongwu, a sociology professor at Shandong University. He said that, in the case of the increasingly serious pension problem, the policy of "housing for the aged" provides a new way to solve the problem, and it should be affirmed to exchange the fixed value of the real estate for the comfortable life of the old age.
why is "housing endowment" more cold? Wang Zhongwu's evaluation is because "acclimatized". "After all, many of our specific situations are different from those abroad, and there is room for policy rebound." Wang Zhongwu suggested that under the premise of improving operational details, legislation on this policy will enable policy participants to have laws to follow.
Application to the aged three years for three years unattended
3 years ago, according to the "Yangzi Evening" report
the first old man to apply for the old age of the house, Zhang Qiyun (rhyme traditional Chinese characters), has been ninety years old and has a variety of diseases, so far it has not been able to achieve "housing for the aged". The head of the office of the Nanjing Aging Committee said that the government - led promotion of housing pension will be a market risk to protect the new deal and the elderly, and the future will be borne by the government.
Zhang Qiyun lives in 8 of Ruyi Li near the Xiang Pu Ying community. There is a single room property room, and two children and husbands die early because of illness. Zhang's retirement income is more than 2300 yuan, because he suffers from a variety of geriatric diseases, resulting in poor illness. A few years ago, Zhang raised to Xinjiekou street and Xiang Pao community, whether or not, under the help and supervision of the government, to mortgage his own house and get some cash every month.
a real estate agent of Xiang Pu Ying has assessed the house of Zhang Lao at that time, indicating that it was "about 400000" at that time, but refused to make a stand about how to pay. The real estate agency chief executive said: the market has no precedent. How many years old people can live to do not know, pay more business losses, pay less, the elderly cry. Zhang Lao hoped that the streets and communities would help themselves, and the community wanted to help her. But because of the responsibility of follow-up supervision, it was difficult to clarify. 3 years later, Zhang Lao, already ninety years old, has to live in the "Xinjiekou Street Xiang Pu camping community elderly care center", living, seeing the cost of the disease, and her house has been idle.