Rent apartment to growing for, this autumn may be a bit provoking.
Grow the main factor that rents apartment to be regarded to be to drive this round of chummage to rise. Before a few days explode I red love vice-president of my home predecessor is to was this public opinion to add a fire more:
"Long hire apartment to explode storehouse, explode than P2P certainly thunder is fiercer. Explode than P2P certainly thunder is fiercer..
Did not think of one language is become augury.
On August 20, vessel home issues an announcement, say the company brings about capital to rupture because of managing not to be pooh-poohed, already suspended operation, and have 4000 much household about be damaged.
This " explode storehouse " be like flat Jing thunder, cause people about finance + grow the vigilance that hires apartment pattern. Also cause the public discussion to this kind of mode, this is an exemple after all, be still potential mine field?
Above all chummage changes loan, it is tenement of home letting a vessel most astonished place.
The management mode of vessel home is, hire a guest to be able to pay the means pay of one rent with detain.
Cite a case, hire room agreement with 2 years, detain pays one, lunar hire calculates 3000 yuan:
? When hiring a guest to rent a house, besides agreement, still can be signed by acquiesce inside embed, with the bank / of tripartite orgnaization " cash is borrowed " contract;
? Bank / tripartite orgnaization can add up to 2 years 72 thousand yuan of hire are hit to apartment square Zhang entirely;
? Rent a settle or live in a strange place every month hands in a room to grant " the service is expended " , it is to be oneself actually " still borrow " , the ready money that returns a bank is borrowed;
? Apartment just is being taken one-time 72 thousand yuan to Zhang, one part hits landlord minute months to serve as hire, odd afterwards continues to take a room on market.
This is equivalent to renting a settle or live in a strange place none know the inside story was signed borrow money in installment contract. Very few somebody can remind rent a settle or live in a strange place this among them risk.
And vessel home used the credit that hires a guest, provide outspread fund to oneself. Every begin brushstroke professional work, covered brushstroke hire, as to this money, it is after all trot along on horseback with what rent apartment at growing a ground, still fry fry a room, and even eat the sea to drink why, do not have a person to know, also do not have a person to be able to be superintended.
Because,also be such, long rent apartment this pupil meaning just has appeal so, just can draw so numerous capital to trot along on horseback a ground.
Nowadays, capital has been entered in succession bureau this market.
Develop business kind, 10 thousand divisions, Long Hu, protect the 15 rooms look forward to such as longan of benefit, green jade to enter this one market early or late; The hotel is, with elegant Shi Ge, China live, nest interest is a delegate; Intermediary is, it is a delegate with couplet of contain of freely, photograph, world.
Pace of poineering department financing is not slow also, rose 2015, ease home, contain sees guest of magic square apartment, YOU+ apartment, actor also finish the financing of dollar of 300 million dollar, several RMBs, several RMBs, millions respectively.
Nevertheless, this looks seem fervent market, facing a the biggest problem: Gain is difficult.
Current, the chummage income that stands high above the masses with our country compares what answer relatively is, the hire return rate of our country is very low.
The data that provides according to institute of negotiable securities of the Yangtse River shows, up to by 2017, city of Chinese a gleam of is mean hire return rate is 1.5% . In the meantime, computation of negotiable securities of the Yangtse River reachs, when house price changeless, below the circumstance with fixed rental, on north deep the person that buys a house, big essentials controls ability 67 years to be able to call in cost.
Compare the big city of other country, london 3% the left and right sides, new York 4.7% the left and right sides, los angeles 5.7% the left and right sides, tokyo 4.3% the left and right sides, osaka 6.0% the left and right sides.
hire return rate is so low, very big reason is buying a house at Chinese dweller often is for investment, is not to be hired through closing will realize long-term profit, the phenomenon with Chinese so inferior chummage just is met long-standing.
And this yield has not run even remaining sum treasure, can foolish without capital arrive to throw this market easily.
Hire interesting apartment of apartment brand nest to be with the length of Shenzhen exemple, hold water 7 years, all the time not gain. According to the data that its publish, loss of profit of company net profit achieved 2.46 million yuan 2015, deficit expanded to 2016 5.85 million yuan, to the implementation of before 3 months of 2017 business income is 540 thousand yuan only, net profit loss achieves 2.34 million yuan.
2017, because deficit increases, the parent company is platinic billows the hotel plans to hang out his shingle with 12 million yuan price transfer nest interest the equity of 16.4 ％ . Yang Ji of vice-president of brand of nest interesting apartment ever was being accepted when interviewing, mention, because the company does not profit to transfer equity so,not be, company not gain is for dimensions change development, fund of early days investment is more.
Accordingly, shi Ge of landed magnate Pan expresses a few days ago, the price that rent a house breaks up again time grow renting apartment is lose money in business.
Because if be the interest that generates from bank loan, also be the least 4.9% , with loan building apartment lease goes, return rate is top had not exceeded 1% , so this business is deficient.
But Pan Shige did not think of, the enterprise can issue bond through ABS, undertake financing, 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.
So look, this mode each takes what he needs, also not be worth bad-mouth. Just, a few dimensions are lesser, the renting company with financing young ability is joined come in, go easily slant, this kind of enterprise cannot issue bond, can follow only small finance company cooperates.
But the combination that had Internet finance, had those who fry chummage to play a way, intermediary business is intermediary business no longer, financial business also is financial business no longer, intermediary net is borrowed one together, had empty-handed to cover the financial sport of white wolf. "Vessel home incident " it is a model.
This kind plays a way, the final person that be benefited has intermediary and net to borrow only, owner and hire a guest to become the leek that waits to reap.
And the length that goes bankrupt two this years rents apartment in, because capital catenary ruptures,basically be.
As a whole, long rent apartment the operation of these backside, with the catenary of P2P, area piece, place that shares bicycle, be the place that has a few applicable to both or all actually. Long hire apartment to build went up financial tool, if be not strengthened,superintend, "Vessel home explodes storehouse " perhaps be only begin.
