Ministry of Civil Affairs tries to welcome old people against House-aged Dink Family

In Guangzhou, when the trial of the Dink family welcomed the old people against, folk appeared in the new version of "Housing for the elderly" Xianqingyan our country currently has lost 10.36 million, half of the elderly 21.35 million, large and medium-sized cities empty Nest family reached 70%, this is the latest figures released yesterday morning Ministry of Civil Affairs Minister Li Liguo. A series of figures behind the grim pension situation. How to solve?　　In yesterday's National Social endowment Service system to promote the construction, "housing for the elderly" The old topic was again mentioned, the Deputy Minister of Civil Affairs even put it into the next phase of the direction of work.　　An imminent predicament, "empty Nest" the number of families soaring, Jiangsu Province, the situation of the elderly Minister Li Liguo yesterday morning, our country currently has 167 million elderly people, of whom more than 80 years old 18.99 million of the elderly, most of them gradually into the half self or not self-care state. The Minister of Li Liguo introduced that the elderly, aged 18,990,080 and above, accounted for 11.4% of the total. Up to now, there are 10.36 million and half-lost elderly people in China, 21.23 million of the elderly people, and they need to provide nursing care services to varying degrees. In addition, some large and medium-sized cities in the Empty Nest family reached 70%. The Empty Nest family is a stage in the family life cycle. The so-called "Empty nest" refers to the children grow up from the parents of the family separated from each other, leaving only the elderly generation of the family living alone. Once the spouse dies, the family life cycle enters the widowed period.　　The Empty Nest period and the widowed period, the elderly people are prone to difficulties in life. Li Liguo said that due to the aging of China in the "not rich first old", Social security system lag, and so on, the Social endowment service pressure is increasing. and related to the situation in Jiangsu Province, the provincial civil Affairs Department director Wu Hongbiao said, Jiangsu Province, the population aging significantly higher than the whole country, in the next 20 years, will also be irreversible trend of sustained rapid growth, to 3 of 1 elderly people.　　And how to solve this problem, the reporter further interview. A not-so-new proposal "housing for the elderly" mortgage or rental housing for pensions to the housing pension needs to meet three conditions of the provincial elderly deputy director New told reporters, in order to realize the housing pension, we need to meet 3 conditions: First, ownership of the house, so that the right to rent or mortgage housing;　　The elderly and their children live separately, so that housing rental or mortgage will not affect the normal life; Moreover, the elderly's economic situation is moderate, economic conditions are very good, there is no "housing for the elderly" necessary, the economic conditions are too low, there is no "housing for the elderly" conditions. Considering the domestic specific situation, the first encounter is the concept of obstacles. The Chinese traditional concept is, "but save a square inch, stay in the descendants of farming." "For the elderly, it is difficult to accept the fact that they have been mortgaged for many years and cannot be left to their children." In addition, "Housing for the elderly" must be complemented by a transparent and fair rule of law environment. Because it involves the real estate industry, the goldIndustry, Social Security, insurance and government departments, and so on, the quality of operation in these areas and the level of supervision requirements are very high. In addition, in China, there is a limit, that is, "the 70 deadline." Based on the current system of land tenure, we have only 70 years of access to housing. Under the "Real Estate Management Law", the renewal of land use rights must be renewed to pay the land transfer money, otherwise the land use rights and the attached buildings, will be free of charge by the government to recover.　　Therefore, the "housing for the elderly" model how to promote, when to promote, the industry has been talking. Dink welcome, old people against the beginning of this year, the Guangzhou municipal government put forward the "housing for the elderly" model, issued the "Comprehensive reform of the insurance industry in Guangzhou," the opinion, said Guangzhou will promote the establishment of tax-type endowment insurance system, explore the development of housing reverse mortgage pension insurance.　　A time to arouse social heat, young people than the elderly more identity "to the Housing endowment", and the Dink family more welcome. To "Guangzhou can be implemented to housing for the elderly" for the topic of the network survey, because the internet is mostly young people, can be regarded as a survey of young people. The survey ended with a total of 966 votes, of which opponents were nearly 10% more than the pros. The survey data show that the "housing for the elderly" in Guangzhou because the conditions are not yet ripe, not feasible opponents accounted for 54.76%, and the support of those who think it is feasible accounted for 45.24%.　　White-collar workers in the state-owned enterprises in the interview, said the reporter, "60-year-old predecessors of the house, 60-year-old back-Office dependants" is very good, plus pensions, after retirement can be sightseeing, life more moist. And in the reporter randomly interviewed 10 elderly, against "housing for the elderly" accounted for 90%, most people think the house lived most of the life, have feelings, to leave their children.　　The support was for a childless old lady who would not be able to leave her children. The direction of the policy has become clear and the wind has become clearer about the State policy. As early as in 2006, the CPPCC members, when the Ministry of Construction Science and Technology Division director Raiming on the proposal to set up a research group, choose a big city to do the pilot, until the operation of mature to the national promotion. 2007, the Shanghai Provident Fund Management Center has tried to push a kind of "housing self-help" innovation-oriented "house for the elderly" model. Unlike the reverse mortgage loan, the Shanghai model changed the property owner from the start.　　The basic model is: the elderly will own property rights housing sold to the Shanghai Municipal Provident Fund Management Center, and choose to live in the original house, the sale of housing proceeds in the deduction of housing rents, margin and related transaction costs after all the free use of the elderly. These trial operations have experience, but also have lessons, and at yesterday's meeting site, vice Minister of civil Affairs Shing pointed out, to actively guide enterprises to develop old food, old residential, "housing for the elderly" and other service markets. This can be seen as the state in the housing pension policy of the latest stance.　　Of course, "housing for the elderly" is only a framework of intention, domestic financial institutions have not launched this business.There is a new version of the official "housing for the elderly" there is no specific operating procedures, but the folk curve version of "Housing for the elderly" has quietly begun to implement.　　Strictly speaking, this version of housing for the elderly should be called "to housing and pensions."　　Living in Guangzhou Tianhe Six RIP is an example, he is prepared to dispose of the city center house and choose to buy in the suburbs, using urban and suburban housing differences as pensions.　　Industry believes that "to housing and pensions" is an effective way. Real Estate intermediary "full red" research department senior director Shoven thinks this kind of endowment way is good.　　The needs of the elderly and young people are not the same, young people may prefer to live in the bustling place, but also want to live close to work place, the elderly do not have to consider the problem of work, like quiet place to live.　　"Choose which place to buy a house the key depends on whether life is convenient, especially the elderly to pay more attention to medical support and life support," Shoven suggested, because the suburbs are not very mature supporting life, the elderly can also consider the choice of some second-tier house. These second-line lots of real estate compared to the bustling house, residential comfort is not necessarily bad, or even more comfortable, but the rent and price will be much lower than the first-line lot, the elderly if the need to spend money for old age can be the hands of the first-line lot of real estate replacement　　Of course, the premise is to replace the second-line housing in the life and medical matching guarantee, so as to ensure the quality of life, but also to obtain a substantial cash difference. Foreign mature experience abroad, the welfare of the elderly in addition to the necessary social security provided by the government, "housing for the elderly" is a more common practice, accumulated considerable experience in operation.　　Canada, Singapore, the United States, Britain have their own "housing for the elderly" service system. Canada: Older than 62 years old can mortgage the housing to the bank, the loan amount is between 15,000 to 300,000 Canadian dollars, as long as you do not move, do not sell the house, the real estate sovereignty unchanged, you can always live to enjoy the old age, from the later treatment of property discount loans.　　For example, a 65-year-old man mortgaged his property to a bank, 100,000 Canadian dollars, the old man after 15 years after the "Die", the bank will be disposed of the property after the disposal of 200,000 Canadian dollars, less than 100,000 Canadian dollars of loans, minus 15 years of interest in the loan, the remaining tens of thousands of Canadian dollars for their children or other heirs income. Singapore: There are three different ways to choose. The first one is to allow eligible group owners to rent all or part of their homes in exchange for retirement income. Second, for some of the retired couples living in the larger area, if the children grow up and have moved elsewhere, elderly couples can replace their existing homes with smaller ones, with the net income earned after a big change for the elderly, or invest in small, risky products to gain income. Singapore allows parties to opt for a one-time or step-by-step completion of the housing in accordance with economic conditions. For example, sell a private home in exchange for a 5-bedroom group and then exchange3 room-style units, and so on. The third is what is commonly referred to as inverted mortgages. Older persons over the age of 60 have mortgaged their homes to public-sector institutions or financial institutions with a government background to pay their pensions in one lump sum or in installments. The old man still lives in his own house, and when he dies, the property is disposed of by these institutions, the mortgage is realizable and the interest is settled, and "surplus value" is given to the heir. In Singapore, only privately built commercial housing can take part in the reverse mortgage operation.　　What needs to be explained here is that the group house is funded by the Singapore government, roughly equivalent to China's affordable housing, such properties can not choose to reverse mortgage. Two can be expected to positive Jiangsu 2 years new 4000 "Toluso" Civil Affairs Department director Wu Hongbiao said yesterday, Jiangsu will implement the "old-age Service project" to 2012, Jiangsu's pension institutions to reach the number of elderly population of 3%, the total number of beds to reach more than 370,000, also means that　　In two years, our province will add 120,000 old-age beds, effectively alleviating the "one bed difficult to seek" the status quo. According to the provincial Civil Affairs Department survey, our province currently has about 97% of the elderly choose home for old age, so the development of community, home pension services are necessary. Wu Hongbiao revealed that in the next two years, the provincial finance will set up special funds to support the construction of 4,000 home pension service centers. By the end of 2015, all the streets (towns and villages) of the province will have a comprehensive community home Service Center for the elderly, children who do not need to be hospitalized, but need to take care of the elderly into such a Community pension service center, in the morning to come to work, take home from work, like children on the "kindergarten", the elderly can enjoy day care,　　Education and other services. Whether it is home for the elderly, or stay in the nursing home, our province has also taken the lead in the implementation of the Pension service subsidy system, that is, for low-income elderly, living alone, disability and other old-age pension difficulties, after assessment, take the form of government subsidies, for them to stay in the old-age institutions or to accept the community, home　　For example, in Wuxi, low, low-income, key special care placement objects such as 3 of special elderly people, can be received 360 yuan in the home Pension service subsidy, minimum, low income and 80 years of age and above 3 categories of special elderly, if the pension institutions, each month can be received 200-600 yuan per capita subsidy. Provincial Aging Office deputy director New told reporters that the current China's medical insurance and endowment insurance, can not afford the elderly paralyzed in bed care costs, so the establishment of long-term care mechanism is necessary.　　When people are young, they are insured, their old age is paralyzed or they cannot move when they need long-term care, the expenses incurred in these long-term care will be paid by the insurance companies. Newspaper reporter Xianqingyan Synthesis