Ji'nan's "housing endowment" sounds very beautiful.
July 1st, the next two years, Beijing, Shanghai, Guangzhou, Wuhan will formally carry out the elderly housing reverse mortgage pension insurance pilot. Shandong has not been included in the pilot range, but some of the banks in Ji'nan began to test the water for a few years ago. However, the reporter found that a few "kan" should be taken to promote the comprehensive promotion.
the cost of the pension is getting higher and higher at two o'clock p.m. every day at the center of a nursing home in Huaiyin District, some old friends are on the spot to play mahjong. Mr. Li, who has just moved into a nursing home, is a member of the new team. When I mentioned the nursing home, Uncle Li said, "come here, it's a cheap thing. Besides, someone else does it and clothes are washed." "An old sister who has a good relationship with me has just moved away from here because it has risen two hundred or three hundred yuan, and the old sisters can't afford it," she said. The head of the nursing home told reporters: "now prices and rent are constantly rising, so every year we have to adjust the price, if the old people do not have a few money, children no matter, many elderly people are not able to live in the nursing home." These old people are facing the problem of providing for the aged, which reflects the confusion of people's pressure on their lives in the increasingly high cost of living. On the one hand, the elderly demand for quality of life in their later years. On the other hand, they are trapped in the strain of pension funds and can not be realized. In order to resolve this contradiction, the emergence of "housing endowment" provides a new option for the elderly.
reporter learned that the Ji'nan branch of CITIC Bank, as early as 2011, has launched a "pension mortgage" business. The aged 55 years old and middle-aged people can apply for mortgage to the bank for the old age. The maximum pension of the business can reach 20 thousand yuan a month. Ji'nan branch of Xingye Bank also has similar financial products, its staff said: "the bank has a similar service program like" housing for the aged "consumer loans, this loan is a small part of the" happy life "product upgrade. At present, banks allow more than 50 year old customers or their adult children to apply for this loan, the maximum amount is not more than 300 thousand yuan, the longest period is 3 years. According to the reporter's understanding, because the number of respondents is very few, the banking business is basically at a standstill.
housing endowment is only suitable for minority
"housing endowment", also known as "housing reverse mortgage" or "reverse mortgage". It means that the old man mortgages his own property right room to get a certain amount of pension on a regular basis or to receive an old age apartment service.
"if housing prices fall and loans exceed housing prices, financial institutions are facing great risks." "The reason why this business is cold is mainly about the uncertainty of future housing prices," said a staff member of the Ji'nan insurance company. For financial institutions, the longer the reverse mortgage, the greater the risk. Banks are faced with situations where borrowers are unable to repay loans as agreed, so they need to dispose of property for repayment of loans. However, if the housing price is down, it is possible that the fund can not be made up for the lack of funds.
when CITIC Bank introduces this business, it stipulates that the borrower who applies for "pension mortgage" is the elderly person himself or the legal alimony, and the elderly must be 55 years old; the legal alimony must be 18 years old. However, CITIC Bank requires the elderly or legal dependents to have more houses. "If there is only one house, when the loan is bad, the bank will not handle it. Banks are not charities. We do this business on the basis of risk aversion. " A person in charge of the bank pointed out that "we are facing the middle and high-end customers of the elderly. To put it more plainly, old-age mortgage is not to live, but to live better. So it's only suitable for the small crowd. "
a lawyer said that the property law, promulgated in 2007, stipulates that the period of expiry of the right to use residential construction land shall be renewed automatically. But this does not mean renewing without compensation. In the future, how to renew property rights is a huge question mark on the market. In addition, there are too many types of property rights in our house at present. There are small property rights, housing reform houses, rural collective homestead and so on. These houses need clear policies on how to carry out "anti mortgage".
obstacles to break
sounds very good "housing endowment", in the process of implementation, there are still many to go.
Chinese traditional concept of providing for the aged is a big obstacle. In response to the "housing endowment" mode, a professional institution in Shanghai has conducted a network survey in the past. 84% of the elderly can not accept it. "If you really want to provide for housing, you will have a sense of frustration, and children will feel no face outside." An interview with the old man said. Reporters interviewed learned that the majority of those who consider the policy of "providing for the aged" are widows and widows, while those with children do not have such 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.
housing property rights for 70 years, the financial sector is considered to be the biggest obstacle to "housing endowment". The head of a large bank, a large bank in the provincial capital, said that after 70 years of property rights expired, the mortgaged housing should be renewed, and the renewal cost would be a huge unknown risk, which is also the reason why most banks in China are too late for the "housing pension" market.
professor Wang Zhongwu, a professor of sociology at the Shandong University, believes that the policy of "housing for the aged" provides a new way to solve the problem of pension problems, and it should be affirmed to exchange the fixed value of real estate for the comfortable life of the old age. Wang Zhongwu suggested that under the premise of improving operational details, legislation on this policy will enable policy participants to have laws to follow.