Expert house-for-pension scheme controversial because of old-age security system backbone loss

"I will not choose the house mortgaged to the insurance company." 65 year old Yang Aiwen members of the public Hubei Wuhan city. Only son has settled abroad aunt Yang Aiwen recently became friends and relatives frequently asked whether it will "focus" housing endowment "".

since 2004 Chinese CIRC plans to start pilot "began to Cheap Steelers Jerseys house-for-pension scheme" life insurance varieties, after 10 years of twists and turns, "house-for-pension Cheap Jaguars Jerseys scheme" commercial insurance finally launched, in July 1st, the next two years, Beijing, Shanghai, Guangzhou, Wuhan 4 city will be formally launched the elderly housing reverse mortgage endowment insurance pilot.

Yang Aiwen is in line with the reverse mortgage endowment insurance of the elderly living alone, with full property rights: a house, not to follow the child life plan. If she chooses "house-for-pension scheme", the mortgage insurance companies, will continue to have possession, use, disposal and the mortgagee benefit unified, and can press about pension to die. And then, the insurance company can obtain property right of disposal.

"this endowment way too many uncertainties." Yang Aiwen said, "everyone is very concerned about the pension issue, but the insurance is not reality."

"if you really don't have a choice, not to sell the house, the money in their own hands, looking for a good nursing home lived." Yang Aiwen said.

in the face of this new pension, a lot of people like Yang Aiwen have doubt about its. In micro-blog platform, only the "Guangzhou pilot house-for-pension scheme" topic is nearly 3500000 discussion.

in aging rapidly, "4＋2＋1 waves from" family pattern more common Chinese, "endowment" has become the focus of public opinion. "A hard to find" home, "price" of high-quality old-age apartment and rising "endowment real estate" let people produce the "old can not afford to" feeling, but "empty nest" phenomenon of the increase, also make the social pension pressure increasing and personal.

June Cheap Titans Jerseys 25th, AEGON-CNOOC Life Insurance Company Ltd of Tsinghua University China insurance and risk management research center jointly issued 2014 China residents retirement readiness index report said Cheap Lions Jerseys the index is 6.3, which means that Chinese residents generally have higher requirements for life after retirement, the pension also has certain ready but still needs to be strengthened.

Wuhan University Cheap Ravens Jerseys of Science and Technology Financial Securities Research Institute Dong Dengxin said "house-for-pension scheme" commercial insurance is subject to dispute because the main social old-age security system have lost, "to resolve the Pratt & Whitney type basic old-age endowment insurance products must remain to be Yu Wanshan."

many experts also pointed out that, the endowment is the basic public service government, should not be ignored for the aged people anxiety, the responsibility of the government should not have the slightest reduction in the pension issue.