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6月23日,保监会召开新闻发布会,公布《中国保监会关于开展老年人住房反向抵押养老保险试点的指导意见》,保险以房养老试点在北京、上海、广州、武汉四个经济发达城市拉开序幕,试点期间从2014年7月1日开始到2016年6月30日为止,为期两年。这是老年人抵押一生最重要的资产为自己体面养老的行为,从金融角度说,是靠房子获得养老权。年轻时卖苦力买房子,把抚养孩子作为自己最重要的风险投资,到老年时抵押一生最值钱的资产为自己养老,正应验了老话说的生不带来,死不带去。政府有办法让老年人反向抵押,如果我国未来将遗产税门槛设定在100万元左右,老年人即使不进行反向抵押,将名下商品房
On June 23, China Insurance Regulatory Commission held a news conference to announce the “Guiding Opinion of China Insurance Regulatory Commission on Piloting Old-age Housing Reverse Pledged Pensions Insurance”, and the insurance piloted housing pensions in four economically developed cities in Beijing, Shanghai, Guangzhou and Wuhan The pilot phase will start from July 1, 2014 to June 30, 2016 for a two-year period. This is the oldest mortgage for the life of the most important assets for their own decent retirement behavior, from a financial point of view, is to rely on the house to get pension rights. When he was young, he worked hard to buy a house and raised his children as their most important venture capital. When he was old he mortgaged his most valuable asset for his own life. Now he fulfilled the old saying that the students did not bring anything and did not bring them to death. The government has a way to reverse the mortgage for the elderly, if the future of China’s estate tax threshold set at 1000000 yuan, even if the elderly do not reverse mortgage, the name of real estate