House price explodes in produce, chummage explodes poor, happened as expected

Accompany those who follow a chummage to soare, freely, chorion grow the eye shot that hired apartment to enter public opinion, wear in everybody discussion " long hire this to rise for hire responsible " when, a little known length hires Hangzhou apartment goes bankrupt, also opened hire what become aware hard between room and P2P " veil " --

Long hire " 0 cash pledge " the risk is heavy

"Long hire apartment to explode storehouse, explode than P2P certainly thunder is fiercer. " did not think of, one language becomes Hu Jinghui augury.

" Chinese estate signs up for " the insolvency that reported limited company of science and technology of vessel home network message, its insolvency is mixed to landlord hired a guest to bring huge inconvenience.

The article says, vessel home ever promise hires a guest to pay the means pay of one rent with detain, it is to let tenement used P2P to undertake the network borrows money below unwitting circumstance actually. Hire guests to be bound through bank card decide the name is 51 return (now more the name is " love goes into the street " ) App is one-time paid vessel home rent, return every months again still give loan App corresponding amount.

Nowadays, vessel home goes bankrupt, hire a guest to take the deposit that is less than go ahead of the rest to pay not only, still still want every months on time to " love goes into the street " return money, and after landlord also did not receive what vessel home company should give hire, a few landlord had prepared to control a house.

As we have learned, vessel home goes bankrupt to have 4000 damage that rent a settle or live in a strange place about, involved network borrows platform to have 6, among them " love goes into the street " it is to hire a guest to bind calm most.

Going bankrupt after the announcement is released, a controller tells vessel home tenement directly: "Do not have gold of cash return a deposit, do not have money to retreat chummage more. Do not have money to retreat chummage more..

"Long hire + P2P " have already

Long hire apartment to just be assumed originally " intermediary " the part with operation, expend idea and P2P however " allied " , once P2P explodes thunder, long hire apartment to also will be faced with " under Fu mew, how to have egg " situation.

In fact, "Long hire + finance " mode has already, many netizens still kiss all previous to pass even.

@Wehotel intelligence hotel says: "Early of this kind of mode has, cry previously ' building bank ' , dozens small small be troubled by, after capital is entered now, expand quickly, formed interlink to cover, explode after thunder most those who get hurt still is to rent a settle or live in a strange place.

@ stranger 0118 say: "The building that leases before covers a region this kind namely, make meet in installment, spend peacefully fortunately. Spend peacefully fortunately..

@ wind blows the cloud to take a place far away form home the guest still discloses: "Present building hires company more than lot a finance company, the company that rent asks the user signs two, an user is returned, a company that rent is returned! This ability is the following potential risk. This ability is the following potential risk..

Because grow those who rent apartment " hole " really too much, tenement people the central issue that benefit protection also became attention.

@yo closed a month to eliminate to grow directly rent apartment this one option: "Look for a house to be able to look for intermediary, because there is information resource on intermediary hand, but still had better not rent the mandatory house in intermediary hand, want to look for the sort of house that signs a contract with landlord. Want to look for the sort of house that signs a contract with landlord..

@ universe big octopus also offers a piece of advice hire a guest not to have an insatiable desire for petty gain: "The surface looks, hire a guest to be able to pay by the month, landlord is OK v/arc rent land or a house for subletting, him intermediary also did not give money. But the risk depends on all money be being centered in intermediary hand, if intermediary closes down or run road, firm of this money banking is to take what do not come back. Intermediary runs road, the rent that landlord does not collect to finish a quarter should call in house, but the loan agreement that hired a guest to already was signed one year, be evicted to be returned so that continue to return money by landlord. Be evicted to be returned so that continue to return money by landlord..

Long hire apartment dimensions big, the risk is high also

However, those who serve as the market that rent a house is important one annulus, long hiring apartment to be not is " the villain of the piece " , but sortie finance domain, increased not little risk really.

" Chinese estate signs up for " analysis of the personage inside cite course of study, the management mode essence of vessel home is to use the credit that hires a guest, provide outspread fund to oneself, to hiring a firm can saying itself is " without Benmoli " . Current, a lot of other intermediary orgnaizations also are using this kind of method to serve as terms of payment, this kind of means can accelerate the steam again of company capital.

@ xinhua net ever also pointed out grow those who rent apartment " 0 cash pledge " the risk of backside -- similar this kind with " borrow " the intermediary of the mode that rent a house not merely I love my home, still include catenary home to roll out " freely is white " and 58 roll out with the city " pay 58 months " wait for a product. I love my home " photograph contain " those who roll out " detain 0 Fu Yi " business is actually make the form that assure in order to bind card of deposit of under one's name of definitive edition person by consumer, apply for loan to nominated bank through firm of banking of tripartite Internet. Firm of banking of Internet of this tripartite requires tenement the hire amount of pay, one-time turn Zhang loves my home to me, consumer is reached by hire of lunar pay building of 5.8% " the service is expended " grant this banking firm.

This one risk has sign early in the beginning of the year, @ sina science and technology expresses, last year in October, long hire apartment platform " love apartment " use formula of this one party namely, below circumstance of the unwitting that rent a settle or live in a strange place, do sth without authorization signs an instalment contract to its. According to this contract, "Love apartment " can be taken beforehand or chummage of two years borrows money, this money by " love apartment " use investment, enlarge operation.

When this year in March, catenary of capital of love apartment experience ruptures the crisis, hire a guest to be in by clear drop back, the individual asked for a letter to also be affected badly accordingly.

For this, long hire apartment corner a large number of fund that the net borrows platform, use source of room of race to control partly among them, this also made chummage secondhand carry litre.

@ female roc talk the logic that summed up this round of chummage to soare: Introduce lever the market that rent a house, get many and cheap capital -- not hesitate all cost contend for the source that grab a room -- the price that passes lease high to go from the price that receives in landlord hand -- begin to drive up chummage gains profit with this -- hire soares, bubble concealed shows.

The country should move as early as possible punish

In this in a series of link, hire guest and landlord to want vigilance besides the appeal " chummage finance is changed " outside the risk, country more want skill of as soon as possible, avoid " bubble " bigger and bigger.

" Chinese estate signs up for " say, long hire although apartment is innocent, but the person that cherish against the law or discipline often does not lack in the person of deal. Hire apartment ABS pattern to growing, cannot strangle directly, but growing hire house company all the way below the case that Gao Geyong takes, to managing medium flaw, black hole, be badly in need of a government superintending a branch to publish relevant policy to give as early as possible compasses make, undertake superintendency to relevant practitioner, prevent new financial fraud.

@ black bamboo Mr Zhang also appeals to the government: "After intermediary company signs Fangyuan, era collects rent is not not OK, but this capital is mixed substantially share as good as of bicycle cash pledge, and the deposit that dimensions body measures Yuan Chao bicycle, must want so from severe superintend, special fund is special, each landlord is mandatory to grow the building that leases boarding house, no matter transform a few rooms, correspondence hires the guest's hire, want all correspondence to arrive of this landlord child go in account, should not infiltrate absolutely the account of intermediary company, control at will by them. Control at will by them..

What what I hope is, concerned government had moved. Urgent concentration talks about Beijing about the main housing such as apartment of contain of freely, photograph, chorion hires company controller, specific requirement housing hires a company, the fund that must not use the financing channel such as bank loan to get is malign source of room of competitive race to control.

Nowadays, long hire apartment to develop in the whole nation swift and violent, but the administrative regulations by specific area is far cannot restrain, need upper section to make program carrying a layer on the head, step the first pace that dissolves P2P venture as early as possible.