Italy is in second place in the ranking of the oldest countries in the world. At first the Land of the Rising Sun, Japan.
The population Istat data residing at January 1 2018 show an increase in the elderly population (65 anni e più) both in absolute terms (of 8,7 million to 13,6 million) and percentage (from 15,3% a 22,6%). The same Institute of Statistics tells us that aging will touch its peak in our country, in 2040/2050 when over 65 will be the 34% della popolazione.
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For them and equity instruments, and protection dedicated to them is now available a Guide published by the National Council of Notaries with the cooperation of 14 Consumer Associations (Adiconsum, ADOC, ADUSBEF, Altroconsumo, Assoutenti, Home Consumer, Cittadinanzattiva, Confconsumatori, Federconsumatori, Consumers League, Consumers movement, Movimento Difesa del Cittadino, Union for the protection of consumers, Union National Consumers).
In the handbook “The Third Age: equity instruments, opportunities and protections”, It is a comprehensive overview of all the tools to ensure a third and fourth serene age.
There is talk of tools that allow you to have the house to take cash or to secure support and maintenance. The tools that allow you to get cash money. Here are some:
- the sale of the bare ownership (in 2017 there were over 19000 trades with this formula, an increase over the 2016);
- The life annuity mortgage loans (three years now by the new law governing it are 5 banks that offer this financial instrument);
- il cohousing (where seniors share homes with attached services becoming a real community);
- the sale of the fifth of the pension.
With the usual caveat to properly evaluate the advantages and disadvantages and that not all the tools are good for their economic and family needs.
Alex Gaetani