Recently, a few housing rent many media focusing the enterprise drives up the phenomenon of source of room of hire, race to control, association of Beijing estate intermediary holds an informal discussion for this, 10 main housing such as apartment of contain of freely, photograph, chorion rent company controller to attend, common commitment is fulfilled " 3 must not " requirement, acceptance does not go up hire, and in taking skill, add up to those who exceed 120 thousand to cover is all source of the room that put an amount is cast to the market.
However, the thing is hire shoots up not only so simple, have discovery of a few media again, hire a guest to still have a lot of complaining to hiring a room to borrow money:
A few discovery that rent a settle or live in a strange place, the intermediary that rent a house is apparently affirmatory " detain pays one " , actually amid nest a tripartite hires a room to borrow money.
From media " difference is judged " era hires a guest to plaint, "I thought to just rent a house, indescribable however carried brushstroke loan on the back. . . ..
The detain of come to an agreement or understanding 0 Fu Yi, became loan actually however?
Each youth that leave one's native place comes to the first thing after big city, beg everywhere namely rent a house, find the ground of a stay for oneself.
The first salary that is a lot of youths only is not high, assume detain to pay feebly 3, "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 " .
Recently, li Gong discovers Beijing consumer, I love the photograph contain credence that enthusiasm of my home intermediary recommends to rent a house is a loan business unexpectedly, oneself issue nearly in unwitting circumstance " be borrowed money " . The reporter investigates discovery subsequently, current under cover of this kind of hot short-term mode backside is a lot of " feline be bored with " : Hire a room to be bait with credit, let hire a guest not to take care " be borrowed by the net " .
On July 17, li Gong will to me love store of flagship of world of my home month to conduct the business that rent a house. Via this inn manager of king of the ministry that rent introduces, should pay treasure only " sesame seed credence " the value amounts to 700 above, can enjoy me to love my home advocate those who push " photograph contain credence rents a house " project " detain 0 Fu Yi " , "Press lunar pay chummage, very convenient. " in king manager recommend below, li Gong signed the contract that rent. Subsequently, the incoming telegram that one each weighs to information of business affairs of Nanjing state boat consults limited company staff member says, want Li Gong to offer person of one an anticipatory actin deposit blocks message and " accredit puts a valve " to this company, the staff member states deposit gets stuck to be used at hiring customer information certainly only repeatedly, without the risk. After hanging a phone, in Li Gong examine minutely repeatedly below, king manager expresses: "This is brushstroke loan actually, it is to rent a settle or live in a strange place actually one-time loan, in installment the behavior of reimbursement. In installment the behavior of reimbursement..
The detain of come to an agreement or understanding 0 Fu Yi, became loan actually however? The reporter investigates discovery subsequently, 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. Disclose according to king manager, I love my home " photograph contain " 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.
"The original intention that credit rents a house is to be what a few capital are in short supply to rent a settle or live in a strange place group provide a help, but can bring a risk to the platform that rent really. " I love my home " photograph contain " Zhang Duo of vise general manager expresses, although this is brushstroke loan, but I love my home " photograph contain " will hire room and loan two kinds of contracts were made divisional, loan information won't appear absolutely on the contract that rent a house. And after consumer preference credence rents a house, still need to sign another loan contract with room commander. "This is the choice of consumer, consumer behoove is sufficient know the inside story. " Zhang Duo expresses.
The capital that give a letter is mandatory concern of 5 million netizen puts a risk
So, whether does consumer say like afore-mentioned place " sufficient know the inside story " ? When the reporter loves my home to enquire credit hires a room to whether can be borrowed money with hiring the guest's identity to call me for many times, the staff member all expresses: Want credit integral to be able to be dealt with only, but the contract that needs to sign one year, do not need loan.
Li Gong still tells a reporter, when signing process of the 2nd contract, in " credit rents a house - my Zhang is odd " in " the enlightened account that put a valve " mandatory forehead spends the capital that the page needs accredit to be as high as 5 million yuan unexpectedly, to this Li Gong needs to input a bank to block date, setting to put a canal to trade password, affirm put a canal to trade the 3 information ability such as the password undertakes be operatinged next. Li Gong immediately dials customer service phone to seek advice, but the accused knows " this is the country consolidates a regulation " , the other side of Li Gong demand issueing is which regulation, by refus. Final, ms. Li refused this professional work.
Room commander staff member expressed to the reporter on July 31, this " 5 million " it is room commander what install to make sure the capital of consumer is safe what love my home to me is highest forehead of the letter that make a money. "Every usurer requires authorization, consumer belongings safety won't suffer an effect accordingly. " since have nothing to do with consumer, why to need oneself to affirm accredit and must still input Zhang name code? Did not get up to the reporter before distributing news dispatches front of the other side is responded to.
One group comes from " photograph contain " the market studies ministry statistic shows, rent the market currently, the privacy of individual of the concern that rent a settle or live in a strange place that has 42.2% is divulged abandon choosing to rent a house in installment product, think to apply for what deal with and abandon to occupy 31% . Statistic still says, current credit rents a house after consumer happening to return the case that hire ahead of schedule in business, how to decide responsibility just assumes penalty due to breach of contract to lack uniform standard.
From this, the pattern that this kind of credence hires room fact to be loan also becomes the chamfer of a lot of netizens that having same lot with Li Gong to nod: "Entire section is covered to show by intermediary, the profit that leasehold platform earns is divided up by intermediary and leasehold platform, the risk left tenement however. " " recommend a course, do not signal specific mode and existence hidden trouble, thick one crowded child loan contract, also nobody can be understood. Borrowed money below unwitting circumstance, once pay not seasonable meeting,be in a dilemma. Once pay not seasonable meeting,be in a dilemma..
Partner of bright attorney office wears Hunan life dawn thinks, intermediary company hides loan fact to the client, attribute fraudulent action, this produces issue very easily.
"Be less than 5000 yuan hire, need 5 million yuan of accredit to put tubal amount however, lack rationality apparently. " economics of application of academy of Chinese finance science is postdoctoral Pan Helin thinks, will tell from the product, credit rents a house is with credence of consumer sesame seed the value assures as credit, need no longer other assure link.
"No good of this kind of innovation. " Liu Xiaoyu of vise general manager also expresses ministry of finance of Bank of China, the innovation of this kind of cross the border tastes nest prolifically not only, do not be clear about to consumer introduction, and the country also puts the relevant provision that provides specific specified amount to spend without capital. Once appear problem, appear very likely turn usurious, the problem that recovers again.
To this, zhou Zhaocheng of solicitor of office of one law division reminds Beijing consumer, consumer enjoys know its are bought, the right of the true condition of the service that use commodity perhaps accepts, rent a settle or live in a strange place accepting moment of the service that rent a house as consumer, what authority serves to renting a house have comprehensive knowledge about true condition. When signing a contract the agreement removes leasehold agreement is terminated when the contract that rent, consumer has authority to stop to chummage in installment platform reimbursement, such agreements can avoid effectively to rent the venture that reimbursement still wants when the contract removes.
News sees a drop more
01
What is credit rents a house?
Li Hong of researcher of place of money of international of Chinese people university is contained say, credit hires room original intention is to be capital shortage to rent a settle or live in a strange place group provide a help. Current, credit hires house-owner to want to carry 3 kinds of kind: It is credit attestation, information of attestation of this kind of credence results from big data analysis, final meeting is delivered rent trade on communal platform, rent each reference in order to offer; 2 it is consumptive banking service, demand of loan of relevant user hire rents platform implementation through this kind; 3 it is the electron turns an operation, this basically is Internet platform function, conduce to sequel this kind trades and service of public utility form a complete set is convenient change.
02
Does chummage change can loan let you what risk incur?
Below good position, intermediary provides housing for you, loan platform pays intermediary, you still borrow loan platform by the month, tripartite Dou Jile happies and harmonious (premise is your know the inside story) .
But if some day, intermediary or platform of tripartite loan gave an issue, that consequence is serious.
Does this consequence have many serious? Consequence is: You not only did not have a house, and pay rent even.
Before paragraph time, company of real estate of Hangzhou vessel home ruptures to still do not go up because of capital catenary the money of landlord, because this is about to will hire a guest give a room please, but these concerns that hire guest and loan platform did not remove, so these rent a settle or live in a strange place not only should be vacated compulsively to retreat, give chummage by the month even, how a miserable word Oh...
And in Beijing there also is relevant case in industrial and commercial bureau: Hire a guest to rent a house through intermediary, and hire changed tripartite to leasehold platform a shoe-shaped gold or silver ingot used as money in feudal China Home E directly, financing of a shoe-shaped gold or silver ingot used as money in feudal China Home E ruptures later, chummage did not turn to intermediary, intermediary will hire a guest to evict, but because hire,did not end, because this rents a settle or live in a strange place this not only lost rent a house, return otherwise to break reimbursement, affect this situation signing a letter that rents a settle or live in a strange place possibly even.
Because increased loan,at the same time this asks for the element that believes business link up with with the individual, rent a settle or live in a strange place retreating hire or loan may turn into exceed the time limit when relet and the influence signs a letter, this lets cash borrow mode to added up to the flow renting a house inside fix a date to become fast knot.
The most important is to do not have capital to put the relevant provision that provides specific specified amount to spend at present, once loan fund appears,the problem may become usurious, be faced with superhigh likely even to moment interest rate and break the law urge a fund.
03
How to keep away from does detain pay of one " cover a road to borrow " ?
The mode of hire of this kind of loan has many profit to intermediary, but as rent a settle or live in a strange place, so if intermediary is in not bright below saying condition, how to differentiate hire and loan, avoid not to take care by " cover a road to borrow " ?
Discretion is offerred " the photograph that holds id card "Loan is handled in normal loan platform, must offer " the photograph that holds id card " , search when intermediary so when you want such things, 99% the likelihood is to should use conduction loan. If you do not want to carry loan kind,pay rent so, it is clear to can ask the excuse that wants a picture, or reject to offer directly.
If want the way that borrows through hire to rent a house, must sign additional contract, perhaps do additional procedures. When signing a contract, remember be being examined carefully the word related financial orgnaization is had on the contract, whether to make clear the pay kind of chummage.
Article origin: Daily of Xinhua News Agency, economy, love denies science and technology, observer net [if you have news clew to offer, pay close attention to date of small letter public please: Small Li helps]
