(1) the first is: Time-sharing goes vacationing
" weekly of conduct financial transactions " in May 2016 in the article of the portion, disclosed technically ' time-sharing goes vacationing ' fraud, said in article so a case.
Live in Mr Wang of Pudong to receive clerk of company of travel of some foreign capital market a phone, recommend time-sharing to go vacationing to him, what acceptance buys is permanent 5 stars level luxurious go vacationing abode, can allow when to state the place that goes wanting to go all over the world, until forever " . After Mr Wang that likes travel listens very enchanted, in the staff member promote to the utmost, mr Wang and travel company were signed buy an agreement.
After returning the home, mr Wang family raised doubt, this ability sees Mr Wang clear close Alexandrine abstruse point: With the detailed rules that trumpet word prints, discovery is in what division of this travel company leaves straight camp to go vacationing the village has two only so, the one Gambia at Africa, lie of Indonesia cling to li island.
To this, mr Wang is contacted with travel company instantly, requirement exercise the contract inside 7 days removes authority, however, the staff member of travel company is informed however, if Mr Wang wants end an agreement, need pays a lot of penalty due to breach of contract.
This is typical fraud, this kind of fraud of the exposure on the net cans be found everywhere, especially those orgnaizations that carrying all sorts of lofty above on the head to hold, the conference and course are offerred in luxurious place, the time-sharing that recommends different mutation goes vacationing product, basically be fraud.
In the world, time-sharing goes vacationing is a very pretty good originality originally, traceable 20 centuries the Europe of 60 time. That moment goes vacationing the common practice is thriving, french mediterranean is coastal developed many seaside villa, those who make Europe and even world is recreational go vacationing center. Because house property price is high, most family is bought alone feebly go vacationing villatic, appeared so close friends buys to go vacationing jointly villa offers the case that different time uses authority respectively, the earliest time-sharing goes vacationing the idea comes into being from this. 70 time metaphase, american economic depression, bubble economy caused many estate keep long in stock. To handle keep long in stock and empty buy, sufficient dish of vivid unused house property, the United States introduces time-sharing to go vacationing from Europe concept, gained huge success. The United States already became the time-sharing on the world to go vacationing at present industry most the country that develop.
Buy time-sharing to go vacationing product, no more than is for at 2 o'clock: The first, investment redound, the 2nd, have the free room of proper time. Actually these two functions, can come true completely through other way, and do not need time-sharing to go vacationing this kind of mode. Will see the first appeal to first beg, a lot of time-sharing go vacationing the product contains function of conduct financial transactions, bought the villa with a certain exclusive time-sharing, was equivalent to buying this to cover a house, have hire income. But the problem is, what great majority time-sharing goes vacationing is villatic, be in a suburb, if be popular scene area, hire still compares the likelihood easy collection, if be the place that the bird does not lay an egg, without enough tourist, where is the hire that which come to? From the point of cash shedding angle, buy the villa that time-sharing goes vacationing, still be inferior to buying the house of core city, anyhow is short of rent a settle or live in a strange place. To the 2nd, free accommodation mode, that still is inferior to going up carry Cheng or asinine mom the travel platform of this kind of tripartite, their autograph made an appointment with many hotel, oneself want where to stay in, pay fee by this, child old man does not have bully, and platform of tripartite travel criticizes a mechanism a bit, discover the hotel serves the stand or fall of quality very easily.
"Tangerine is south the Huaihe River, north of the Huaihe River is trifoliate orange " , the very good thing on a lot of international, went to China to change flavour, without him, because credit system of China and legal system are not perfect, gave a lot of cheater with the space. So, whether does the time-sharing that is in China go vacationing to still have investment value? Whether is all time-sharing go vacationing fraud? Not be of course, but will look from current market, the fraud proportion that should say to go vacationing in domestic time-sharing is too high, so that do not have necessary beautiful time and energy,go differentiating the sort of truly valuable time-sharing to go vacationing product. Come up against this kind, direct PASS finishs sth.
(2) long rent apartment
Hire a room to have a risk, rental also have a risk. "Long hire apartment to explode storehouse, explode than P2P certainly thunder is fiercer. " the word of tall canal before I love my home still rings in ear, long hired house market to appear " explode storehouse " .
Sign up for a report according to Chinese estate, on August 20, 2018, long hire limited company of science and technology of network of home of vessel of apartment firm Hangzhou to issue an announcement, say the company brings about capital to rupture because of managing not to be pooh-poohed, already suspended operation. A lot of hire a guest to be driven to go out by landlord; Those who continue hire a guest to need to hand in chummage to give landlord again, be equivalent to paying two rent.
Sign up for a report according to Chinese fund, the commercial pattern of vessel home is actually: Let hire a guest to go the net borrows platform loan, one-time the rent that pays 1 year, cent 12 period reimbursement; Loan by vessel home go off with, not one-time however settle accounts gives vessel home landlord, give only at most first quarter. The hire that vessel home recycle holds back goes leasing more buildings.
When renting a house at the outset, vessel home ever promise hires a guest to pay the means pay of one rent with detain, it is to let hired a guest to use network loan below unwitting circumstance actually, one-time loan lease all amount, rent a settle or live in a strange place again every month still is borrowed.
What defeat antenatal in vessel home is long hire house market, bank, with consumption financial firm is to be in " hire purchase develops simultaneously " swarm into below the appeal of policy, hire apartment to participate in main body to offer setting finance to serve each to grow. But why be abroad early very mature chummage Reits market, went to China to change flavour?
The REITs of residential house property of comparative United States will analyse, domestic length rents apartment the mode of a lot of a lot small capital fund, what differ with REITs of American residence house property is, domestic length hires oneself of apartment operation main body not the droit of hold property, have the access of property only. And long hire apartment to do not have one-time pay long-term rent. This kind of access is not long-term and termless, it is to build the base in regular pay chummage over. This is one of hinges that produce a problem.
Those who make a problem more serious is, growing the business that rents apartment is not the landlord to own a building is mixed hire a guest to offer match a service. However oneself hire next access first, make over use again rent a settle or live in a strange place truly. Accordingly, those who hire a guest to sign the contract that rent not be landlord to resembling itself, however small property company. Imprint in mine in resembling, to the mode of this kind of sublessor, a lot of places are adjuration illicit, do not know why can again be current?
This one operation makes relevant risk rises greatly. The hire that hires customer pay one year, and the rental that landlord receives a month only. If grow,hire problem of chain of apartment occurrence fund, cannot as scheduled to landlord pay hire. Go up somehow and character, long renting apartment is to use popular fund, have risk. Similar operation company has appeared before to close down in sharing bicycle the bail of the user takes the issue that does not come back. Because the amount of bail is less,be only, did not generate bigger question thereby.
From the point of this mode, so called long rent apartment, apparently look, solved the information asymmetry problem between tenement and landlord, it is compose built actually ' the asset pool of the house ' , and carry the kind that deadline fault distributes, earn profit. The logic of this logic and P2P exactly like, to very large later possibility it is to reduce Pang fraud.
Because the innovation of normal finance is insufficient, make blame finance personage undertakes with the manner with a kind of dauntless know-nothing more kind of finance innovation of rash advance. There is P2P before, cash is borrowed, have after long rent apartment, of fraud, always one suits you. To landlord, pass traditional building intermediary pattern, although bothered a dot, but can ensure and hire guest butt joint truly, need not fear hire controls the problem that be less than. To lodger, also need not worry to give suddenly one day sweep the floor go out, innovate to this kind so kind financial mode, my proposal, everybody still should take care had better.
(3) room of small property right
The report on sina finance and economics passes a case: On May 23, 2015, collect gentleman classics acquaintance introduces, those who took a fancy to a of Wu Dong is secondhand room. Because here is of the village in the city,still build a house, the house does not have two card, but landlord expresses: "So big a house that is same quality, short-term inside appear impossibly problem, more what is more,the rather that we lived a lot of years here, later if have a requirement, cooperate to handle two card certainly. Cooperate to handle two card certainly..
Although have a bit worry, it is a lot of cheaper that Dan Luoxian is born to compare commodity house considering this house, and be of acquaintance introduction, the letter has been gotten, building door with quality pretty good also. Live oneself just about instead, commodity house also was indifferent to. Fall in the testimony of acquaintance then, collect the total money that the gentleman paid 870 thousand yuan, signed business contract. Make clear on the contract " former house-owner needs to assist the person that buy a house to handle two card in the future " .
After 1 year, when this land property that still builds a house is changed, collect gentleman connection landlord cooperates to handle two card, cannot think of, the manner of landlord and be like two different people before: Landlord says, house price rises, plus the change of land property, nearly one times go up when before this covers a house to compare one year, trading, sell at that time had a deficit, if collect the gentleman wants to handle two card, must pay price difference.
For this, collect gentleman and landlord produce conflict, both sides is troubled by on court, as a result of " room of small property right " what do not have a house is all, make over, the right such as punish, cannot deal with the formalities of property right change the name of owner in a register of the building, had not adjudicated a result up to now so.
In real life, bought what room of small property right brings issue to be able to be found everywhere as a result of anxious to get things on the cheap. So after all what is room of small property right? OK and legal business? We will be discussed carefully.
Opposite at " room of old property right " , the dominant position with the biggest house of small property right is: Low-cost, but the risk is great.
The biggest risk is: Lack " 5 card " . Alleged " 5 card " it is the precondition that consumer obtains house property evidence, have state-owned land to use card, construction to plan with the ground namely permit of construction of project of licence of program of project of licence, construction, construction and commodity house are sold open to booking licence. Not ' 5 card ' , room of small property right cannot mortgage or appear on the market resell. Even if the house rose in price in the future, you also cannot enjoy appreciating profit.
It is to tear open change difficult compensation next. Room of small property right, besides cannot handle house property card, those " cheap house " belong to actually in the government the violate the rules and regulations beyond formulary limits is built, if the program with the country is afoul, be demolished very likely still.
It is again, form a complete set is not perfect. Room of small property right does not have the establishment of form a complete set such as central heating, natural gas almost. And once appear,will come dispute, the likelihood does not have even water and electricity.
Still have even if, bequeath is troublesome also. Because room of small property right lacks property right, future also can encounter a lot of troubles when bequest accedes.
A sense that today's course and everybody share is, in estate market, put in intense Matthew effect, the more expensive house, protect those who come the value to appreciate the space is jumped over actually big. The sort of instead cheap looking, perhaps start new-style estate banking product, presence is tremendous implicit risk. Because estate breed market prise is giant, once gave an issue, not be a bagatelle, it is parents and oneself even the saving of 2 acting people, before be being bought so must Shen Zhi careful!
