A few days ago, one? Is it cold to experiment with housing for the aged? This news has aroused the attention of all walks of life.
The cause of the incident is that the relevant person in charge of the Beijing Civil Affairs Bureau made a detailed interpretation of the current government's basic old-age service policy when communicating with the citizens, and clarified the social right? Housing for the elderly? Some misunderstandings in policy. An editor will go to the pilot soon? Housing for the elderly? The service platform was interviewed in You 'anmen Street, Fengtai District, Beijing. Although many citizens came to consult, no residents have actually handled this business since the platform was established four months ago.
Housing for the elderly? How was your stay in Beijing? How big is the impact of this policy? The editor conducted an in-depth interview a few days ago.
? Housing for the elderly? Old people disapprove.
Li Hongbing, deputy director and spokesman of Beijing Civil Affairs Bureau, introduced to the editor. Housing for the elderly? What is the correct title of the corresponding policy? Support with a shell. ?
13 in September last year, the State Council issued several opinions on accelerating the development of the aged care service industry, which mentioned? Pilot project of reverse mortgage pension insurance for the elderly? . On March 20th this year, the China Insurance Regulatory Commission issued the Guiding Opinions on the Pilot Project of Reverse Mortgage Endowment Insurance for the Elderly (Draft for Comment), taking Beijing, Shanghai, Guangzhou and Wuhan as examples. Housing for the elderly? Insurance pilot cities.
In order to implement the spirit of the the State Council Document, in June+10, 5438, Beijing took the lead in issuing the Opinions on Accelerating the Development of China's Aged Care Service Industry, and put forward? Develop financial products such as savings, insurance, investment and pension suitable for the elderly? It is clear that the Municipal Finance Bureau, the Municipal Banking Regulatory Bureau, the Municipal Insurance Regulatory Bureau, the Municipal Commission of Housing and Urban-Rural Development, the Civil Affairs Bureau and the Municipal Office for Ageing are the responsible departments for this task, and the pilot work is started.
According to the relevant policy description, housing support? , refers to the elderly mortgage their property rights to financial, insurance institutions or pension institutions, or rent a certain amount of pension or directly accept pension services as a way to assist the elderly.
Minwangyuan in Hepingli Street is a community where retired people are relatively concentrated. The editor interviewed several old people randomly here to find out their views. Housing support? Scenery. Aunt Meng, a retired old man from Beijing Internal Combustion Engine General Factory, thinks? Housing support? At present, it is too far away from the actual life of the elderly. Aunt Meng admits that what she can't accept most is that once she chooses to support the elderly with housing, she will? A hundred years later? The house will be owned by the insurance agency, which is exactly the opposite of what the old man wants to pass on to his children and grandchildren. Another old man said, you can rent a house by looking for an intermediary. Why should you hand it over to other old-age care institutions and leave the rent in your own hands?
Still exploring, absolutely non-mainstream
Reportedly, at present, only Beijing develops and operates reverse mortgage insurance products for aged housing? Housing support? One way, the basic idea is that the elderly with full property rights will mortgage their houses to insurance companies, continue to have the right to live in their houses, and receive pensions according to the agreed conditions until their death; After the death of the old man, the insurance company has the right to dispose of the mortgaged house, and the proceeds from the disposal will first be used to pay the related expenses of the old-age insurance.
The editor learned from the Beijing Municipal Committee on Aging that the overall idea of doing a good job in the work of the elderly population in Beijing is still to improve the social insurance, social assistance and social welfare levels of the elderly year by year and enhance their ability to provide for the elderly. At the same time, by establishing a basic pension service system, granting pension service subsidies and supporting the development of pension service units, we will actively build a social pension service system based on homes, communities and institutions, and promote the development of pension services in this city at multiple levels and in all directions.
Li Jun, dean of Zhong Xu Institute of Aging Science, Renmin University of China, and an expert of China Aging Development Foundation, thinks? Housing support? Mode is just a policy, an exploration and supplement of various ways of providing for the aged, and it is by no means the mainstream. Are you online? Housing for the elderly? In practice, due to the lack of national policy system, the influence of traditional concept of providing for the aged, the limitation of housing property rights and the great fluctuation of housing prices, financial institutions and the elderly all hold a wait-and-see attitude.
Li Hongbing also said Beijing. Housing for the elderly? The business is still under discussion and there is no substantive action.
? Housing support? The connotation is very extensive.
Li Hongbing told the editor that Beijing was moving forward? Housing support? At work, combined with the habits of the elderly, we have some preliminary ideas about distinguishing the elderly in cities and rural areas.
In urban areas, explore the elderly to obtain pension rent by renting a house. The specific idea is that the government, financial and insurance institutions should jointly promote the establishment of a public welfare? Pension housing bank? . Eligible elderly and? Pension housing bank? Sign a house trusteeship agreement and hand over the house with its own property rights to the latter for operation. ? Pension housing bank? Give the elderly a certain amount of money, and the property rights of the house will remain unchanged. For the widowed elderly without children, on the basis of the basic old-age services provided by the government, the housing income obtained will be used to improve the quality of life; For the elderly with children, their housing income helps them to support the elderly. After their death, a qualified third party evaluates the value of the house, and the rest is inherited by their children.
For rural areas, it is mainly through the development and operation of idle real estate to obtain pension funds. For villages with more migrants and left-behind empty nesters, the government supports the transformation of public infrastructure such as living services, medical care, culture and sports in combination with the construction of new countryside. The village Committee will organize the establishment of a pension service company to transform idle residential houses into family-style nursing homes to attract urban elderly people to stay; For the left-behind elderly, services are provided by pension service companies and the collective economy gives appropriate subsidies.
Li jun finally said that at present, the civil affairs department is still actively studying other? Housing for the elderly? Feasibility of the model. One is? Housing for the elderly? , take the way of age-limited purchase, * * property rights, and institutional priority repurchase to replace the existing housing for the elderly with housing for the elderly, and the remaining funds will be used to pay for the old-age care in the institution; And second? Housing for the elderly? Set up a special foundation to deal with the property of the elderly, guarantee the unsecured elderly, and ensure that the elderly live in the old-age care institutions.
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