Do not blow not black, say to grow the consumption that rents apartment to be mixed in installment A

This paragraph of time, all sound are hiring apartment condemn both in speech and writing to growing, today, the news that Hangzhou vessel home goes bankrupt, more sit solid these accusation.

On this where the wind and the waves are highest, say to hire a few views of apartment to growing for me, for the moment long hire apartment, hire to borrow, ABS3 plants mode sheet carries come out analytic:

Definition

One kind is apartment of collect Chinese style, namely the administrative power that operation business gains project whole through the pattern that buy or hires (be whole normally or rectify a medium a few layer) , unite the hack after undertaking transforming mode of a kind of apartment that rent. Brand of this kind of apartment has contain of V+SPACE, magic square, YOU+ , berth to wait. Since 2016, the 10 thousand divisions, Long Hu, ocean collective that develops business is entered bureau, apartment of Chinese style allowing part is more fervent.

Another kind is dispersive type grows rent apartment, namely operation business obtains room source from inside dispersive landlord hand, after be transformed through standardization or be being decorated, unite mode of a kind of of rental management apartment that rent. Current, share of market of this kind of house is the largest is the freely below catenary home banner, other trademark has me to love boarding house of contain of the photograph below my home banner, young customer, chorion to wait. (because meeting drag in goes to this mode tripartite (landlord, hire guest, intermediary) , etc issue me to basically be analysed the analysis undertakes below this mode)

Configuration

Each interest is nodded

Grow the development way that renting apartment is the prospective market that rent, if health grows, can reach the phase of win-win of a tripartite, also be accordingly, the capital nose of acumen be full of monetary olfactory business chance this, this contest gathers quickly on the road removed old of landed surveyor's pole, intermediary, chain hotel bibcock and one numerous poineering company, since 2016, strode the times of the Warring States that a large number of heroes chases the deer-fight for the throne quickly.

And the beginning of the year, freely A annulus financing 4 billion, chorion B+ annulus financing the fact of 70 million U.S. dollor, also remind us again and again, another new market has pulled open big screen, wait only rise abruptly.

Profit analysis

Long hire = of apartment square profit to hire guest chummage - landlord chummage - decorate cost share equally - operation cost

Among them, the chummage that rent a settle or live in a strange place > landlord chummage

Grow the gradual progress way that rents apartment

1, small profits is press the big fight of source of room of race to control below

Look completely according to afore-mentioned profit pattern, long hire apartment profit feeble, say like relevant company place profit margin has 1~2% only really, small profits must be sold more, accordingly, source of room of many race to control, imperative, be in only the commercial act that passes many iteration, form fluent the line renting a house of huge amount, just harvest somewhat on this market likely.

2, the price that strives for chummage counterpoises

Accordingly, sell two demand with the price more, metropolis long hire an enterprise to go to more of race to control is advanced on the behavior of room source, this also was last year to this year, grab the germ seat of room big fight.

[1 phase]

Definition

Hire is borrowed, it is consumption in installment a kind. Initiative configuration is: After hiring a guest to lease the house property of next landlord, offer to capital just undertake leasehold, offer by capital square hire consign at landlord, later again by hire a guest to offer the interest that just pays capital and capital to use generation in installment to capital.

The zebra that sent result Chengdu 2014 is regnal, pass this kind of mode rapid rise to power and position, light fire to Beijing all the way; Later period individually small borrow platform to catch up with quickly, appeared to meet in installment, hired, room commander special advocate hit hire in installment enterprise.

Configuration

Each interest is nodded

Profit analysis

Hire borrows profit = to hire guest chummage + the interest that chummage loan generates - landlord chummage

Among them: Hire a client to hire = landlord chummage

[2 phase]

Definition

As grow the band that hires apartment and consumptive finance, appeared now by painful the 2nd kind of approved hire borrows: Hire a guest to be in namely with long hire house company while the lot falls lease, the capital that cooperates with this enterprise is offerred just sign loan agreement, capital is offerred just pay rent to long rent apartment square, hire a guest to pay off the loan that rent a house by the month to this finance orgnaization.

For example, the length with domestic the largest scale hires apartment freely to be offerred to rent a settle or live in a strange place with Beijing east finance cooperates " freely is white " , hire a guest to pay first need consign cash pledge + head period chummage + service fee, later pay every months current chummage + the service is expended + in installment poundage, cost rate is 6.27%

Each interest is nodded

Profit analysis

Hire shifts the interest that offers generation of loan of chummage of square profit =

Long hire = of apartment square profit to hire guest chummage + chummage loan passageway is expended - landlord chummage - decorate cost share equally - operation cost + fault of capital pool deadline matchs benefit to differ

Among them: Hire a client > landlord chummage

Analytic

2016, I love the photograph contain with my subordinate home and room commander to cooperate, the head borrows hire introduced long hire the market. From this, those who lifted hire to borrow 2 phase is germinant. The collaboration of photograph contain and room commander is full of the flavour that explore, the loan interest rate of a year of chummage, design only at 2 o'clock a few percent, cannot call to be weighed carelessly. This explores benefit is tasted first, photograph contain carries this action, take the lead in be being hired to grow what can make money inside apartment is exclusive one. The effect of this experiment is very apparent, later, the length with increasing original very thin profit hires apartment open the mode that borrows collaboration with hire, in order to add oneself gain space.

In 2 configuration, grow the peep of cruel thunder hidden trouble that hire, intermediary just does not have building droit on the hand, the length that just obtained this answering to belong to landlord from capital however hires capital precipitation, produced common saying place to say namely " capital pool " .

Hire is borrowed and cannot be afraid of, because capital chases two kinds of chaos that interest sex place brings to resemble,terrible is:

1, compulsive loan pays rent

Compulsive loan pays rent, it is to grow one of significant action that hire apartment to be complained. After joining hire to borrow this new variable, long hire apartment to be financial lever industry from suddenly change one's identity of small profits industry, so, hire a guest more to join cash to borrow as far as possible, become long hire apartment to appeal to strongly beg, because this is ecbolic also " compulsive loan pays rent " harsh action --

Above all, it is the threshold that raises blame loan to pay rent, general demand half an year pays or be year pay, block up on a way of escape that hires a guest to pay rent oneself;

Later, hire a guest to deal with hire to borrow with all sorts of favourable method temptation again, let rent a settle or live in a strange place with accrual of little of every months of overpay (it is commonly about a hundred a few) cost, it is OK to exchange the borrowing plan that the month pays rent (also have certain long rent apartment for pool of fast and outspread capital, the choice ceases from Fu Li) .

To renting a settle or live in a strange place for, "Compulsive loan pays rent " behavior, at least has two to want to hit difference to judge:

2, nobody superintend capital pool

Of capital pool form, it is chummage of landlord the rest so, but because had time difference, long hired apartment to just have the possibility that achieves earnings from capital pool.

Be enlightened passes capital pool benefit originally give no cause for more criticism. But capital pool is in home is illegimate, in the meantime, grow the capital pool that rents apartment to do not have any superintendency to intervene, made the land outside the law thoroughly, cannot excessive begs pool of this kind of capital to be able to build equipment pay gold the institution.

Also I spit groove to cross P2P this, if the safety capital pool on the conscience of park entrepreneur, the capital in this capital pool goes where, bad to said.

If say to grow,hire apartment to die dish, die namely in this place. If grow,hire apartment capital pool to explode storehouse, bring serious interest enroach on to a few metropolises:

Definition

ABS financing mode is the asset that belongs to with project place change financing way for the negotiable security that sustain, the property that owns with project place namely is a foundation, with the anticipation that project asset can bring accrual is assure, come through bond is being issued in capital market the means of financing of a kind of project of collect capital.

With " in · of letter negotiable securities freelies a chummage in installment fiducial be benefited authority assets supports special plan " for exemple, its foundation asset is small loan, freely 1 with small the anticipation of loan accrual is guarantor, send debt financing, expect yield 5.39% , and by freely reveal all the details.

Configuration

It is freely as follows 1 trade knot composition of a picture --

To facilitate everybody understands, I drew one Zhang Jian sheet --

Each interest is nodded

Profit analysis

Hire shifts the interest that offers generation of loan of chummage of square profit =

Long hire = of apartment square profit to hire guest chummage - landlord chummage - decorate cost share equally - operation cost + ABS gain

Among them: Hire a client > landlord chummage

Analytic

If be not being paid attention to, ABS mode can be regarded is to upgrade the hire of edition is borrowed, just be in a mode, was to introduce a tripartite to capital is offerred and pay interest, and in ABS, long hire apartment to receive a large number of fund through sending debt, direct oneself make medium already square, do capital to offer again square, double gun volley, increase profit.

In the meantime, although ABS produced collect endowment, but this capital pool is opposite for the capital pool in a mode, capital has special mandatory orgnaization, because had,also produced stronger superintendency in the country, can achieve special fund basically special, explode storehouse the question is not big.

Because can receive cash reimbursement everyday, the cash of freely ABS flows stability, and loan specified amount is spent and rock-bottom asset pool has small and dispersive characteristic, adding hire is the defray that a kind of stability lasts for the youth to renting a house, rate of break a contact is inferior, so grade is AAA+ , never had appeared up to now exceed the time limit.

Of course, the rock-bottom asset of ABS is not house property to rent the creditor's rights of the contract, however small loan, also be to explain to be done only at present long hire profit scanty, can't support the capital price of 5.39% , the specification falls in current market environment, if grow,hire participate in without financial measure, calculating at present is not sudden huge profits.

But, 1 is issued 500 million, 2 two period in all the dimensions of 2 billion, also repeatedly need freely to be in ABS project, ceaseless amplification is rock-bottom asset dimensions. The drive result of the result of final generation and capital is similar, need to go on the market loot room source.

And, in endowment canal new rule wants already clearly " go passageway " below premise, freely operates foreground this kind to also not allow hopeful.

Want to say finally, it is worth while to although grow,hire apartment to have truly rectify and reform and amendatory place, but grow the Bao Lei that hires apartment to bring and social problem, going up from serious degree won't surmount P2P, long after all hire apartment collapse Bao Lei, losing is the chummage that does not pass one year at most, and P2P Bao Lei, it is the lifetime saving that destroyed a lot of person however. Volume level is different, disaster also differs. Long rent apartment, of need is to superintend intervene be managed below normally, is not to magnify the one stick below panic is knocked dead.

With a piece of cut the graph serves as today the ending of the article, this is today after vessel home Bao Lei, two dialogs of group of friend. Therein flavor, everybody is OK oneself are experienced.