"Housing for the aged" mainly means that the elderly mortgage their houses to insurance companies in reverse and receive a certain amount of old-age insurance money every month. This is a commercial endowment insurance business encouraged by the government, but some unscrupulous companies and personnel cheat the elderly under the banner of "providing for the elderly with housing", resulting in some elderly people falling into a situation of empty housing and property. Lu, who lives in Tiantongyuan Community, Changping District, Beijing, is 69 years old. In recent months, she has often discussed an important event with several old sisters. Beijing citizen Lu: When I asked for this principal and interest, I couldn't eat or sleep for almost a month, and the pressure was very great. Zhang Yulan, a Beijinger: It is a feeling that the sky is falling and we are cornered. What makes these old people feel that the sky is falling is that they have a problem with the "house-for-the-elderly" project of Beijing Zhongan Minsheng Asset Management Co., Ltd., and each of them takes his own house as collateral, bearing more than 3 million loans with an annual interest rate as high as 24%, and now they are constantly threatened by the loan company to sell the house to repay the loan. Beijing citizen Lu: Just tell my husband to sell the house quickly and sell your house quickly. If you sell the house now, you can sell it for 5 million, leaving 2 million. We can help you find someone to buy your house. If you want to go through the court, your house is only worth 6.5438+0.8 million. In order to force the elderly to repay the principal and interest, the loan company has implemented all kinds of soft violence, such as door-to-door bullying, verbal abuse, posting the so-called debt collection notice in the corridor, blocking the keyhole with 502 glue, and throwing garbage and feces at the door of the elderly. How did the old people get into such a situation today? Reporter: What project did he tell you at that time? Beijing citizen Lu: This is about providing for the aged and housing for the elderly. Lu said that in 20 17, when she was dragged by a familiar friend to participate in the activities of Beijing Zhongan Minsheng Asset Management Co., Ltd., she learned about this house-to-house pension project. At that time, Zhongan Minsheng publicized that her property could be mortgaged with more funds than other companies. After the funds are handed over to Zhongan Minsheng, Zhongan Minsheng pays a fixed pension to the elderly at an annual interest rate of 4% to 6% every month. According to the contract signed with Zhong 'an Minsheng, the old man Lu can receive a pension of12,500 yuan per month after mortgaging his house for 3 million yuan. Beijing citizen Lu: I think it's quite good. It paid my interest on that day. In order to convince the old people, Zhongan Minsheng also arranged for the old people to sign a guarantee contract with Beijing Dingchi Huixin Investment Guarantee Company. Wang Xiaoqun, a Beijing resident: But later we learned that this insurance company is a pure shell company. In order to attract investment from the elderly, Zhongan Minsheng often organizes various large-scale publicity activities, sometimes reaching thousands of people. Li Moumou, legal representative of Beijing Zhongan Minsheng Company: Changping, Haidian, Huairou, Tongzhou, Pinggu and Yanjiao in Hebei Province have opened eight one-stop service halls of the same scale, and the old-age care service basically radiates to Beijing. At the time of preaching, Zhongan Minsheng told the elderly that the mortgage of "householding for the aged" can be withdrawn at any time. Beijing citizen Lu: If you don't want to do it, you can release it after half a year, or if you want to sell the house, you can tell him two to three months in advance, and then he will release it for you. There is another important reason for deceiving the old people in the name of the national ministries and commissions, saying that they believe in Beijing Zhongan Minsheng's housing-based pension project, that is, Zhongan Minsheng borrowed the national housing-based pension policy in various propaganda and deceived them in the name of the Ministry of Civil Affairs, the National Committee on Aging and the China Foundation for the Development of Ageing. Beijing Citizen Lu: Every hall says the China Foundation for the Aged and the Ministry of Civil Affairs. There were many big gimmicks ahead, so we believed them and didn't delve into them. After the incident came out, we found that many of them were false. It was not until the loan company came to collect debts that the old people knew that they had mortgaged their houses to various small loan companies. However, when the lender took out the house mortgage contract, they found that this important contract for the small loan company to sell or auction the house at a discount was not in their hands at all, but it did have their own signature. What happened? Zhang Yulan, a Beijing resident: I didn't show it to you when I signed the contract, and then I assigned it to you. This place is signed, this place is signed, the place for riding seam is reserved for you, and riding seam still needs to be signed. After all the signing, I just feel particularly uncomfortable. Only after the accident did the old people wake up. These are all "bureaus" designed by Zhongan Minsheng and Loan Company. Zhongan Minsheng wants millions of money after their house is mortgaged, and the loan company wants 24% high interest rate and their house. Wang Xiaoqun, a Beijing resident: We are all meat on their chopping block. We invest, they share, we invest, they share. After the mortgage loan is handed over to Zhongan Minsheng, 6% of the pension income of the elderly and 24% of the high interest rate of the loan company shall be borne by Zhongan Minsheng according to the contract. Obviously, such a capital scam cannot last long. After the police cracked down on 88 people involved in the company and detained them, the capital chain of Beijing Zhongan Minsheng Company was broken. In March this year, the elderly who felt cheated began to report to the public security organs. According to reports from the masses, Haidian police in Beijing filed a case for investigation and criminally detained 88 suspects. At present, Haidian Branch of Beijing Public Security Bureau is further investigating the case. There is only one formal "housing for the aged" insurance business in China. I would also like to remind all the old people here that only Happiness Life Insurance Company is approved by China Banking and Insurance Regulatory Commission, and China has launched the "house-to-house pension" insurance business. "Providing for the aged with housing" means directly mortgaging the house to insurance companies, not various loan companies. When it comes to the investment and disposal of major property such as real estate, don't have the idea of falling pie in the sky, especially when introducing acquaintances, you must be vigilant.