House-for-pension scheme has three high feature in the four City pilot

A: East Canton focusing first on "house-for-pension scheme" pilot.

after 3 months of consultation, China Insurance Regulatory Commission yesterday formally issued guidance, from the next month since 1, the next two years, Beijing, Shanghai, Guangzhou, Wuhan will carry out the elderly housing reverse mortgage endowment insurance, the insured must be 60 years of age, has the independent property right, which means that the previously discussed widely "house-for-pension scheme" commercial insurance launched.

house-for-pension scheme what should I have? The opinion points out, the reverse mortgage endowment insurance is a kind of housing mortgage and lifelong pension annuity insurance combination of innovative commercial endowment insurance business, which has full ownership of the elderly housing, the mortgage insurance companies, continue to the right to dispose of housing owned possession, use, income and Cheap Bills Jerseys the consent of the mortgagee, and in accordance with the agreed conditions pension until die; old people die, insurance companies, mortgage property right of disposal, disposal income will be a priority for payment of endowment insurance cost.

B: Chinese real estate development group chairman Meng Xiaosu pointed out, "insurance" version provides not only the pension insured for house-for-pension scheme, the insurance company may also provide the physical endowment service for the people. The China Insurance Regulatory Commission issued guidance specifically to encourage "according to different ages and the demand of customers, health management, medical insurance, financial services".

"house-for-pension scheme" has "three high" characteristic, is suitable for the high prices, high potential and high quality city housing elderly without children, elderly and "lost only old man" is the most appropriate purchase groups.

A: many people are more concerned with, if prices are what count? "Opinions" provisions, house-for-pension scheme of pilot product consists of participation and non participation. If prices rise, the appreciation Cheap Titans Jerseys of the house, to participate in product, the insurance company may be agreed in the purchase contract with the insured, if the property value, in proportion to the Cheap Patriots Jerseys distribution according to what? Attributable to the insured portion, is a one-time grant, or receive a monthly? For non participating products, whether prices rise or not, the insurance company is not involved in real estate value-added benefits, mortgage real estate value-added Cheap Steelers Jerseys part belong to the insured. And if prices fall, the industry believes that the insurance company will have to take the risk. In addition, if the property after the expiry of 70 years, mortgage housing to be paid for renewal. If the renewal fee is too high, the insurance company is likely to be unprofitable, even at a loss.

B: in accordance with the provisions of the CIRC, the insurance company for pilot qualifications including the registered capital of not less than 2000000000 yuan, the solvency adequacy rate of not less than 120%. The China Insurance Regulatory Commission deputy director of personal insurance supervision department Yuan Xucheng said, at present has not received the insurance companies to participate in the pilot application. [our opinions just appeared, which companies have the will or can do the things we haven't received the application really has the ability to have the analysis I will do this thing, not too much that this requirement is Cheap Buccaneers Jerseys too high]

B: as a new thing.