Because be travelled together exposure " push tall chummage " and grow below the catenary home banner that is in where the wind and the waves are highest hire apartment brand freely, lived in Beijing again a few days ago build appoint in executing the law jointly with the spot of the branch such as bureau of city silver-colored inspect, investigate.
On August 22, beijing lives build appoint release a message to say, enlightened that day blow " black intermediary " inform against a hot line, investigated 23 to violate compasses intermediary orgnaization, wait for a branch jointly with bureau of city silver-colored inspect to contain of freely, photograph two housing rent an enterprise to undertake the spot execute the law, check solid Beijing to freely life property manages limited company to be suspected of existence breaking the law violate compasses problem.
Beijing lives build appoint express, "Black intermediary " the hot line complains inform against main concentration at 8 kinds of problems: Drive up chummage, without according to manage, do not remove deposit, hit partition group hire, relet other, compulsive loan pays rent, rental to entrusting room does not grant to maintain, accept weak force (block keyhole up, threaten, annoy) menace hires room person.
Among them, "Compulsive loan pays rent " what be a delegate in order to freely just about is long the part that leases apartment to be denounced time and again. La Jingcai is aimed at those who grow the apartment that rent a house to complain via was being received many cases recently inform against, many him report that rent a settle or live in a strange place " be borrowed money " , was immersed in the loan that is concealed in the contract that rent a house " trap " , implicative individual imposes exceed the time limit of one undeserved heart the letter also can suffer an effect.
Notable is, freely long hire apartment operation business not to have consumption financial license plate and small loan license plate, cannot extend to the individual directly loan. The personage inside consumptive banking industry points out to blue whale finance and economics, freely long hire apartment operation business to pass establish fiducial, just serve as depositary with the passageway, extend by depositary the way of fiducial loan is indirect to hire a guest to extend housing borrows money in installment, and this kind extends through fiducial passageway the business mode of loan is like with current below endowment canal new rule " go passageway " mental place deviates from. In addition, the analysis says, freely doubt is like use the credit that rent a settle or live in a strange place, through chummage in installment small the negotiable securities of loan changes financing to be in for its the source that grab a room " big fight " in add firewood to add fire.
Privilege hides feline be bored with, hired a room to become loan unexpectedly
"Can enter without cash pledge " , " reduce a burden for graduate " ... the ad saying that lives in chummage hire enterprise more is straight white inviting, large quantities of young other place to apply for a job person be attracted from this, and what little imagine awaits them is to be concealed in however go up at every turn the obscure cramped building of 10 thousand words rents a contract medium all sorts of " feline be bored with " .
"I am to want to hire a house to pay rent by the month obviously, but ineffable and wonderful bear loan. " whale finance and economics expresses pieces of the undergraduate of strong this year finish school is small Xiang La.
Xiaozhang signed lease of a year with freely in January from this year, unit distance apartment works because of what find after distant and chose to retreat in July hire. Until retreat hire when, ability discovers the article that Xiaozhang researchs carefully the contract is medium suddenly to including contract of a loan among them.
"When autograph building rents a contract at that time, what freely intermediary says to need to see the mark on the contract fizzle out only with me is alleged ' substantial ' , he says other too much need not look, he had not raised the issue of loan completely with me. He had not raised the issue of loan completely with me..
Careful memory signs the process of the contract, xiaozhang remembers intermediary been mention " in installment " , but had not mentioned " loan " , and she also did not realize both correlation. "Intermediary is recommended to me in installment privilege, need to hire a guest to pay by the month only can enjoy hire privilege namely, when signing a contract at that time, he did not tell me to borrow money namely in installment. When signing a contract at that time, he did not tell me to borrow money namely in installment..
The youth that is similar to pieces of small experience still has a lot of, when finance and economics still received blue whale to rent a house by " bind " credit card in installment, unreasonable retreating hires a doorsill to wait all sorts of be aimed at multifariously grow those who rent apartment to complain.
Blue whale finance and economics discovers, a lot of buildings rent intermediary to be hit through hire fold wait for favourable method to hire a guest to handle loan or credit card with temptation in installment, but do not have bright assure to know to allude even in promoted process among them loan contract and potential risk.
And go up at every turn the building of 10 thousand words rents a contract to be full of all sorts of professional term, exceedingly obscure to the person without legal cultural background difficult, a lot of college graduate that experience lacks again into the society first often are met the word of credulous intermediary, and did not go researching among them article carefully, when do not agree what retreat discovery of the ability after hiring and first promise.
Legal group public figure points out, because do not have the existence that realizes loan contract, borrower often is risking huge risk, if exceed the time limit or still do not go up loan, still sign influence individual the letter.
From this, can understand not hard why compulsive loan pays intermediary rent became Beijing to live build appoint enlightened " black intermediary " after informing against a hot line complain one of heat.
"Lawful disagreement compasses "
Freely issues a brand for catenary home banner. Show according to the industrial and commercial information that register, the Beijing that is investigated this freelies life property manages limited company to held water 2015, register capital to be 10 million yuan, zun Hui is trustee, the legal representative is onefold firm.
Notable is, freely long hire apartment operation business not to have consumption financial license plate and small loan license plate, cannot extend to the individual directly loan. The contract that according to small Zhang Xiangla whale finance and economics produces shows, usurer extends namely the orgnaization of loan is China external economic trade credulity asks limited company.
The personage inside consumptive banking industry points out to blue whale finance and economics, freely long hire apartment operation business to pass establish fiducial, just serve as depositary with the passageway, extend by depositary the way of fiducial loan is indirect to hire a guest to extend housing borrows money in installment.
"Freely does not have license plate, cannot extend directly credit, trust company amid acted the part of the passageway. " a public figure of consumptive banking trade is right La Jingcai via the analysis. Disclose according to its, have the aid of is fiducial the passageway extends of loan " play a way " very common in be not the consumptive finance orgnaization that holds a card, and Everyman does not allow legibility.
"I think such mode is lawful but disagreement compasses. " he expresses, "Endowment canal new rule wants already clearly ' go passageway ' . "Endowment canal new rule wants already clearly ' go passageway ' ..
This year on April 27, the 4 ministries and commissions such as the Central Bank are released jointly " the directive opinion that runs business about asset of normative finance orgnaization " , the opinion is eliminated clearly multilayer nest, control passageway business. Suffer this effect, entrust loan, fiducial loan first half of the year this year aggregate than last year the corresponding period reduces nearly 3 trillion yuan of; from this be a burden on, increment of social financing dimensions is compared first half of the year the corresponding period is little last year 2 trillion yuan.
In addition, in extend secondhand through fiducial passageway loan while, freely still passes ABS asset to support negotiable securities financing ceaselessly. On August 15, 2017, freely was issued " in letter negotiable securities, freely a chummage in installment fiducial be benefited authority assets supports special plan " , this ABS issues dimensions to be 500 million yuan. And this year May and July, freely extended to freely respectively again 2 the 1st period with pass an imperial examination 2 period chummage in installment fiducial be benefited authority assets supports special plan " .
The basis makes public information to show, freely distributes principal part 1 number is Beijing freely is numerous limited company of science and technology of information of sincere friend be in harmony, it is the wholy-owned subsidiary that freelies life endowment is in charge of, fiducial plan trustee is China external economic trade credulity asks limited company.
Beijing freelies endowment canal held water in October 2015, register capital 32 million yuan, by the natural person Zun Hui is mixed onefold firm collective and contributive establish, hold a scale to be respectively 94.60% with 5.40% , up to 2017 end, its control Zun Hui of factitious natural person actually.
Freely the person of primitive rights and interests of 1 special plan is numerous sincere friend be in harmony. Numerous sincere friend be in harmony held water in Feburary 2016, register capital 50 million yuan, by Beijing freely endowment is in charge of solely invested establish, beijing freelies endowment canal is opposite numerous the fixed position of sincere friend be in harmony is " freely group " platform of business of the banking below the banner, numerous the business of sincere friend be in harmony basically will be to be Beijing to freely the client of endowment canal and owner provide convenient financing source.
According to freely a manual place announces trade knot composition of a picture shows, person of primitive rights and interests is numerous sincere friend be in harmony carries foreign trade fiducial establish " embellish luxurianting growth 5 - freely feels oneself set is single capital is fiducial the item is single capital is fiducial " to hire a guest to extend chummage in installment small loan; is numerous the onefold capital that sincere friend be in harmony will enjoy is fiducial fall.
To this, analysis of the personage inside course of study says, freely uses the credit that hires a guest, extend room source for the company bankroll. Provide gymnastics to make the level, freely leaves the room of house-owner through agreeing the form of tall hire is hired above all, hire presses month of paid; to sign loan contract with tenement next, taking in installment fiducial be benefited after authority assets negotiable securities changes financing, regard capital as this again, continue to be made an appointment with with more landlord autographs. is freely not only, such mode already also became a batch to grow rent apartment the edge tool of patulous dimensions.
Up to 2017 end, beijing freelies endowment canal manages a room to count more than 500 thousand, the accumulative total that rent a settle or live in a strange place exceeds 1.2 million person, service owner exceeds 150 thousand person.
Before this, vice-president Hu Jinghui allows to express when accepting media to interview on August 17 when I love my home, the length that is a delegate with apartment of freely, chorion hires apartment operation dealer, to enlarge dimensions, with prep above market of regular price 20% to 40% in contend for the source that grab a room, factitious drive up receives house price, housing rents the problem of the market to rise to surface at this point.
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