The loan company used both hard and soft methods to urge the elderly to pay debts. How did they become ＂meat＂ on the chopping board？

　　CCTV News:Pay attention to a scam under the banner of housing for the elderly. "Providing for the aged with housing" mainly means that the elderly mortgage their housing to the insurance company in reverse, so as to receive a certain amount of pension insurance 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 where their housing and property are empty. Lu Fengming, who lives in Tiantongyuan Community, Changping District, Beijing, is 69 years old. In recent months, she has often discussed a big thing for them with several old sisters.

　　Beijing citizen Lu Fengming: "When I asked for this principal and interest, I had almost more than a month. I couldn’t eat and sleep, and the pressure was very great."

　　Beijing citizen Zhang Yulan"It’s just a feeling that the sky is falling and we are cornered."

　　Fake "housing for the elderly" usury with an annual interest rate of 24%

　　What makes these old people feel that the sky is falling is that there is something wrong with the "house-for-the-elderly" project they did in Beijing Zhongan Minsheng Asset Management Co., Ltd., and each of them took his own house as a mortgage, bearing a loan of more than 3 million yuan with an annual interest rate of 24%. Now they are constantly threatened by the loan company and asked them to sell the house to repay the loan.

　　Beijing citizen Lu Fengming"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 yuan, and you can still have 2 million yuan left. We can help you find someone to buy your house. If you want to go through the court, your house is only worth 1.8 million yuan."

　　The loan company used both hard and soft measures to urge the elderly to pay debts.

　　In order to force the elderly to repay the principal and interest, the loan company implemented various soft violence, such as door-to-door bullying, verbal abuse, posting so-called debt collection notices in the corridor, blocking the keyhole with 502 glue, and throwing garbage and feces at the door of the elderly. How on earth did the old people get into such a situation today?

　　Reporter:What kind of project did he tell you at that time?

　　Beijing citizen Lu Fengming: "It is about providing for the elderly and providing for the elderly with housing."

　　The false propaganda of "Zhong ‘an People’s Livelihood" caused the elderly to be deceived.

　　The old man Lu Fengming said that in 2017, 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, Zhong ‘an Minsheng publicized that her real estate could be mortgaged with more funds than other companies. After the funds were handed over to Zhong ‘an Minsheng, Zhong ‘an Minsheng paid a fixed pension to the elderly every month at an annual interest rate of 4% to 6%. According to the contract signed with Zhong ‘an Minsheng, Lu Fengming can receive a pension of 12,500 yuan per month after mortgaging his house for 3 million yuan.

　　Beijing citizen Lu Fengming: "I think it’s quite good. It gave me 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.

　　Beijing citizen Wang Xiaoqun"But we learned afterwards that this insurance company is a pure shell company."

　　In order to attract the elderly to invest, Zhongan Minsheng often organizes various large-scale publicity activities, sometimes reaching thousands of people.

　　At the time of preaching, Zhongan Minsheng told the elderly that the mortgage of "housing for the elderly" could be withdrawn at any time.

　　Deceive the elderly in the name of national ministries and commissions.

　　The old people said that another important reason why they believed in Beijing Zhongan Minsheng’s housing-based pension project was that Zhongan Minsheng borrowed the national policy of "providing for the elderly with housing" in various propaganda and cheated them in the name of the Ministry of Civil Affairs, the National Committee on Ageing and the China Foundation for the Development of Ageing. It was not until the loan company came to collect debts that the old people realized that they had mortgaged their houses to various small loan companies. When the lenders took out the Property Mortgage Contract, they suddenly realized that this important contract, which allows small loan companies to sell or auction their houses at a discount, did not exist in their own hands, but it did have their own signature. What’s going on?

　　Beijing citizen Zhang Yulan: "When signing the contract, I didn’t let you see it at all, and then I assigned it to you. This place was signed, this place was signed, and the place for riding seams was set for you. After signing it, I felt particularly uncomfortable."

　　After the accident, the old people woke up. These are all "bureaus" designed by Zhongan Minsheng and the loan company. Zhongan Minsheng wants millions of money after they mortgage their houses, and the loan company wants 24% high interest rate and their houses.

　　Beijing citizen Wang Xiaoqun: "We are all meat on their chopping boards. When we make money, they divide it. When we make money, they divide it."

　　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 will be borne by Zhongan Minsheng according to the contract. Obviously, such a capital scam cannot last long.