Civil / Zhao Shiyi
One language is become augury, long hire apartment to explode really storehouse.
On August 20, a length of a limited company of science and technology of network of the home that it is a vessel of Hangzhou hires apartment firm to announce to go bankrupt, 4000 hire guest damage, involve 6 net to borrow platform, falling in love with a street among them is to hire a guest to bind calm most.
"Long hire apartment to explode storehouse, explode than P2P certainly thunder is fiercer " .
Rise in discussion hire the most enthusiastic when, hu Jinghui of the vice-president before I love my home is cast again gave breathtaking speech, at a draught long hire apartment to procrastinate entered public opinion maelstrom.
Everybody knows the secret that this industry cannot describe eventually: Long renting apartment is not to play so manager business, play finance however.
House property intermediary is normal business flow is, intermediary is in charge of matching landlord and lodger, all hire are given directly by lodger landlord, they take intermediary cost only.
But growing the mode that rents apartment is not so simple, what they let hire a guest to sign is contract of a loan actually. The rent that did acceptance to acquire financial company one year with individual credence borrows money, financial firm is one-time you the hire of these 12 months made medium entirely, next your month by month returns money to give finance the company.
Long hired apartment to collect 12 months rent, but pay landlord 3 months rent only every time, the 9 months chummage that remain, completely oneself are controlled, dimensions of race to control, do conduct financial transactions to wait a moment, want to work work.
Get finance, most be afraid that capital catenary ruptures, if grow,hire apartment firm to play was bungled, announce to go bankrupt, so landlord, hire guest and net to borrow company tripartite to have face a loss:
Landlord receives less than length to hire apartment to contract money, want for certain hire a guest to evict, hire a guest to pay a net to lend a company " chummage " hind also won't move for certain, and follow-up net lends a company also chasing after for certain hire a guest to want debt, problem and its are complex, character of Hu Jinghui place is by no means exaggerate sth just to scare people.
Want to do a business? The government moves to tap the market
The large company that rent quickens dilate, drive up to contend for room source hire, high price controls a house, push on certain level really tall area hire, not bad the government begins skill keep within limits to fry chummage chaos to resemble.
The branch such as revenue of Beijing housing and bureau of silver-colored inspect of city of combination of committee of urban and rural construction, city banking bureau, city was made an appointment with centrally on August 17 talk about apartment of contain of freely, photograph, chorion to wait for main housing to hire company controller, the capital that specific requirement housing rents an enterprise to must not use the financing channel such as bank loan to get is malign source of room of competitive race to control; Must not the hire with level of prep above market or drive up source of room of rent race to control; Severe check the act that does not use financing fund by conventional utility to wait.
Subsequently, 10 main housing renting companies such as apartment of contain of freely, photograph, chorion are joint acceptance does not go up hire, in taking skill, add up to those who exceed 120 thousand to cover is all source of the room that put an amount throw on the market.
Adjusting control chummage, this is not terminal absolutely, just begin however, chummage market can resemble building city adjusting control after same severity.
Shenzhen city is by July an announcement that came on stage to rectify estate market chaos to resemble, a when also include estate market chaos elephantine repair the chaos of the market that rent like punish important step. In stable hire respect, director branch is in now foretaste of go ahead of the rest, exploration price fixing rents house system.
So Shenzhen will adopt demarcate hire possibly henceforth, demarcate lease is waited a moment, double be restricted means will stabilize the market that rent. Since reforming and opening, shenzhen is the arms of the person at the head of a procession with each pilot policy all the time, and the effect that also will have vane to the adjusting control of chummage market. After this means building city adjusting control, the country also will raise the price of the commodities rent adjusting control.
Bemused: Is chummage tall after all low still?
Why does the government want chummage of skill adjusting control? Because the deformation of chummage market and estate market develops!
Pan Shige expressed in small gain on August 20, because hire return rate is low,chummage rocket is, the house demands exceeds supply for a long time, calculate hire to break up two times again, landlord also still lose money in business.
What Pan Shige says is really reasonable, with respect to chummage market, below the premise that house price does not rise, the hire return rate that suits investment should be in 5% above. Current, the hire return rate of Chinese city is general and inferior, on north wide it is greatly only 1.5% the left and right sides, this means light to rely on to rent, city of domestic a gleam of buys a room to want above ability 60 years to call in cost.
And city is the Dalasi that the city with global hire top return rate is the United States 7.35% , european London is 3.76% . Look so from hire return rate, after the house lives to be not fried, chummage should go up is an inevitable incident.
But we are seeing hire income compare, current chummage level now is the limit of burden of a lot of people however.
Normally, 20% rooms be consideringed as grant the proportion with most good income. But according to " Chinese economy weekly " report, the chummage of Beijing already was as high as 40% above with income comparing, reach the new height of 45% likely.
Of 45% occupy a what concept is comparing? With price of world main rooms city of highest 3 a gleam of serves as quite, expenditure of san Francisco chummage took income 2017 47% . London 49% , hong Kong 44% . But the dweller that notable is city of these 3 a gleam of spends money scarcely on medical treatment, and crowd of Chinese low income cannot be enjoyed normally as equal as this locality dweller public service and social security.
The angle that stands in landlord looks, chummage house price is compared show, rent is too low; The station looks in the angle that rent a settle or live in a strange place, chummage income is compared show, chummage too tall.
Rent a house, rely on a country
Below ideal situation, house price rises dropping is decided by supply and demand, this is a commercialized behavior. But in each square interpose, interest drive below, the house price that ought adjust by the market, if the bronco of bolt is same,rise quickly.
Be out of order in market mechanism, cannot ego rehabilitate when, governmental intervention should be it is normal to make building city return to. But we are not such, we are force ceaselessly when market mechanism is effective interpose, make market mechanism is out of order.
Drop e.g. house price, itself is the market adjusts to a kind of price of unreasonable tall house, we are to turn on the water however help city. Estate is supplied superfluous, we change a money to change with respect to canopy, the 10 thousand people that still bridal chamber price fixing is brought about grab a room...
Still have the market that rent, according to the program, on north wide future is rented 5 years occupy with the ground than nearly 3 into, such hire return rate, how does development business make money? Can chummage go up? Always lucrative place, we intervene overly, it is estate market not only actually, the everybody in the stock market also can have experience greatly...
The market misshapes eventually, in " want already... want again... even " below much target, the house returns to living function, can rely on a government only.
Building city, need not say, had frozen almost, strict adjusting control issues the living requirement of crowd of contented and few part.
The key is the market that rent a house. At present many cities had come on stage to hire relevant file and policy, prospective home is rented rise very likely to state law level.
Actually, the country also is so do, pat the market to be able to see from earth.
Before this year 7 months, 300 cities always flow pat a number to achieve 258, stream pat rate about 6% , among them of city of a gleam of stream pat rate achieve the highest value of 17% in 2 quarters even. Do not see only appear on the market room look forward to does not take the land, see even, some enterprises are taking the land wildly, these enterprises are the country that does not lack cash endowment.
These enterprises are not afraid of be out of pocket, they are obedient act, managemant decision wants effect of society of give attention to two or morethings. Probably one day, the renting that supplies on market hires room room source, for the most part this kind of enterprise is offerred.
Rent a house, return so that rely on a government.
This is insufficient still, the government continues to rectify unbalanced building city even.
On August 22, hu Jinghui explodes again makings say, we hire room and economy often in suburb lid cheap fair rent a house, and be in Beijing less than of 5 annulus, 6 annulus, 900 thousand houses that had built are in the condition of empty buy.
So, is empty buy duty returned what to wait for? The Qian Ke that closes of course is not to increase income of local government finance, should " special fund is special " energetically allowance just needed to rent a house.
The world is cold person future whether in wide mansion all smiles happily, future relies on a country!
