On August 23, grow below catenary home banner hire apartment operation business to freely the response says, accept in the round relevant investigate a result, undertake deepness is checked oneself on the foundation here, rectify and reform stoutly.
Freely expresses, still fumbling as period burgeoning enterprise, face more complex market condition, fumbling very big promotion exists really on the particular way that develops pattern, improve a space, next, the basis superintendency branch asks and check progress oneself, seasonable to superintendency branch, broad hire guest and social report, announce freely to rectify and reform measure and level sex achievement.
Rise in the light of chummage of city of near future a gleam of caused public opinion attention, beijing lives build appoint say at releasing an information on August 22, 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.
Among them, "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.
Analysis of the personage inside course of study thinks, this chummage rises expose the issue that gave many sided, mirrorred city of a gleam of to rent contradiction of market supply and demand on one hand, on the other hand, capital rises to this chummage add fuel to the fire, the building industry that rent had appeared the symptom of a trend that excessive capitalization, excessive finance changes.
Chummage borrows mode to be oppugned " empty glove white wolf "
This year on January 16, freely obtains A annulus financing 4 billion yuan, duration market owns a building 400 thousand. The force of capital of have the aid of, freely speed controlling a house enters 10 thousand for the month. Freely is had in the building of Beijing specific area leading is extremely tall, go up to already obtained partial section somehow chummage price counterpoises.
The personage inside course of study expresses, capital market is worth a basis to growing the appraise that hires the market basically is a building namely have an amount, circumstance of analytic freely financing is rough but computative every room is evaluated about by 1000 yuan of standards. This is each parent hires a company in succession the enlarge dimensions, reason that grabs the market, derived a lot of finance " innovation "
Among them, chummage is borrowed in recent years even more general, include the brand such as contain of freely, photograph to all have relevant product. Have the report that rent a settle or live in a strange place, below unwitting circumstance, was issued by the autograph chummage borrows money.
Reporter of boreal green network understands, tool of finance of have the aid of, long hire a company capital of OK and many precipitation, increase capital lever, let outspread speed turn over times.
"Housing rents an enterprise to divide what carry for owner to rent what carry with the client, two end are financial lever, that housing is rented run the business that became empty-handed to cover white wolf. " a personage inside course of study points out.
It is in order to freely exemple, the face is writing on the contract: "Party B can use freely network only in App end online pay, freely is white, freely guest is enjoyed only in installment 3 kinds of means. " online pay can choose cent period to pay, white be with Beijing east cooperate.
Internet finance times, the person that rent a house chooses to borrow money independently the give no cause for more criticism that rent a house. The personage inside course of study points out, the money that notable is the loan that rent a settle or live in a strange place was not used completely at paying landlord rent.
"Traditional intermediary detain pays 3, the chummage that loan can apply for one year now, long hire a company as before the month pays landlord, the money that leave is used at room source to extend. " a personage inside course of study expresses, a house chummage of a year now by deal out 4 landlord, want to landlord in a steady stream is joined ceaselessly only, this game can continue to play.
As we have learned, a few grow the money that hires enterprise initial stage to also can use P2P finance orgnaization, as P2P industry punish, can appear even capital catenary ruptures risk.
Long hire + financial mode needs to prevent " explode storehouse " risk
Discuss in public opinion heat when chummage rises, on August 20, one parent hires Hangzhou apartment firm is stuck gave a announcement, announce formally to go bankrupt.
It is reported, limited company of science and technology of network of Hangzhou vessel home is lead hire a guest 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 pay vessel home rent, return every months again still give loan APP corresponding amount.
According to Chinese estate report, nowadays, hire a guest to take the deposit that is less than go ahead of the rest to pay not only, still still should go into the street every months to love on time return money, and the rent that landlord also did not get vessel home company to should give, a few landlord had prepared to control a house.
The analysis says, look be like is a business that rent a house, what earn actually is financial money, it may be said " without Benmoli " .
Reporter of boreal green network understands, in January 2017, "Magic square apartment is fiducial be benefited authority assets supports special plan " obtain wholesale travel, pulled open long those who hire apartment assets negotiable securities to change is prelusive. After apartment of afterwards magic square, second half of the year freelied last year and new group also issued domestic head sheet to hire room market to consume respectively in installment kind ABS is mixed domestic head sheet is long hire apartment REITs.
The enterprise issues bond to undertake financing through ABS, do not need to be able to take money through the bank namely; Orgnaization of other perhaps finance offers repass ABS to borrow money to rent a settle or live in a strange place in installment, chummage is one-time give intermediary the company; Final, the accrual of the balance of chummage and loan makes the profit of ABS.
On one hand, the large company that rent expands dimensions through financing ceaselessly, scroll financing, have the market major house source, form " forestall " . On the other hand, a few companies that do not have dimensions can follow only small finance company cooperates, the overspend of lever, increased housing to rent the management risk of the enterprise, once manage not to be pooh-poohed, can appear even P2P coils money runnings the circumstance of the road.
"Go passageway " grow below setting hire a domain to appeal capital is superintended
" Beijing building hires management a certain number of regulations " mention expressly the 7th times, "Agree without tenant inside the building time that rent, lessor does not get do sth without authorization to shorten the deadline that rent, raise rent.
The 27th, "Estate broker orgnaization and its broker personnel are engaged in a building renting manager business, must not take up, divert is protracted perhaps pay a client fund. Must not take up, divert is protracted perhaps pay a client fund..
The personage inside course of study thinks, at present intermediary of a lot of house property is being hit " Internet platform " , " asset management company " wait for banner, cannot decorous oneself is the housing industry that rent, try free is being superintended besides. Differ with the loan that buy a house, the government sector trades in the building the meeting when change the name of owner in a register has level of relevant examine and verify, and the market that rent is to commercialize behavior completely. Long hire apartment to should perfect relevant code system, establish lasting effect mechanism, carry out specialization management.
In the meantime, on December 1, 2017, net of special punish, P2P borrows Internet banking venture office of group of leader of special repair work allots the risk formally " rectify about the standard " cash is borrowed " the announcement of business " . Requirement cash borrows an orgnaization to hold a card to manage, interest rate does not get prep above 36% , must not extend to the borrower that does not have income source loan; In the business that put an amount, borrow time-out to extend without the ready money that consumes setting, deadline is rectified and reform; Prohibit cash is borrowed borrow through P2P net blend in capital, the bank must not be aided to do not have card orgnaization to offer borrow capital to wait.
Endowment canal new rule asks clearly " go passageway " below setting, a few long because do not have license plate,hire a firm, need to extend through trust company credit.
The personage inside course of study points out such running to be suspected of violating compasses, long hire an industry to still need to strengthen capital to superintend in the financial link such as financing utility.
