"Long hire apartment to explode storehouse, explode than P2P certainly thunder is fiercer. " the one's voice in speech of Hu Jinghui of the vice-president before I love my home just fell, long hire apartment to explode really storehouse.
On August 20, the length of limited company of science and technology of network of Hangzhou vessel home hires apartment firm to announce to go bankrupt, the owner that ever served to its hired a guest to leave one ground chicken feather with 4000. As we have learned, the commercial pattern of vessel home is actually: Let hire a guest to go the net borrows platform loan, one-time the rent that pays 1 year, cent 12 period reimbursement; Loan by vessel home go off with, not one-time however settle accounts gives vessel home landlord, give only at most first quarter. The hire that recycle holds back goes leasing more buildings.
And a lot of more current hire a guest to be driven to go out by landlord; Continue hire a guest to need to hand in chummage to give landlord again, be equivalent to paying two rent.
Long hire apartment to explode storehouse, operation businessman goes the building is empty
Sign up for reporter report according to Chinese estate, 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. Will introduce Shanghai contain group to manage a company to carry on as business square, carried on with relevant owner and tenement connection recently matters concerned.
On August 23 afternoon, reporter of certificate business China calls Shanghai contain round apartment to manage the relevant controller of the company, the other side confirms, "Do not seek vessel home, cannot find a person at all, (tenement) cash pledge is retreated at all do not come back " .
Reporter of Chinese fund newspaper also dialed what what leave in this announcement to carry on square: Shanghai contain round apartment runs the advisory phone of the company, the other side says to just carry on partly, do not assume the liability of vessel home, the debt of vessel home is assumed by vessel him home, shanghai contain group and vessel home do not have any relations.
To landlord, the house has a lot of debt, chummage did not delimit the past gives landlord, shanghai contain round apartment is come over from Shanghai, want to develop Hangzhou market, need the room source here. If landlord still is willing to go to house lease, shanghai contain round house is willing to bear partial cost. Again new with Shanghai contain group apartment autograph is made an appointment with. Shanghai contain round apartment is specific assume charge to want to see vessel home owe landlord how many chummage, landlord may need him to bear partial loss.
Hire the guest's word, if where manages,temporary inaccuracy is decided. Because was not contacted good with landlord temporarily, had not come over building lot, did not decide temporarily so. Still need to seek vessel home now.
He tells Chinese fund the newspaper, if rent a settle or live in a strange place it is the word that signs loan to rent a house according to vessel home, the meeting is very at present awkward, rent a settle or live in a strange place or still must borrow money, vessel home goes bankrupt to also not be in charge of.
Accordingly current situation is: Vessel home goes bankrupt, landlord did not get rent; A lot of hire a guest to be driven to go out by landlord to what cross hire.
Current, its official net still can be opened, home page introduced to grow hire apartment product " vessel contain " ; Official introduction, this company fixed position is " B2C brand is long hire apartment operation dealer " , advocate business Wu Internet + house property intermediary and rent; Held water at Hangzhou 2016, have force quite in native land and congener enterprise, on guard employee 300 more than person; Up to already developed by 2017 long hire apartment to exceed 5000.
Chummage changes loan
Vessel home " without Benmoli " cover a region
This chaos bureau should speak of from the mode of the management of vessel home.
According to the netizen " budding do not try hard old strange water is gone against " explode on small gain makings say, when renting a house at the outset, vessel home ever promise hires a guest to pay the means pay of one rent with detain, it is to let hired a guest to use network loan below unwitting circumstance actually, one-time loan lease all amount, rent a settle or live in a strange place again every month still is borrowed.
He expresses, vessel home intermediary tells his conduction detain to pay one need to download to be called 51 return (now more the name is " love goes into the street " ) APP, rent is paid in APP. After waiting for all flow to do, discover APP buckled all chummage inside contract period however, platform gave vessel home this money, and hire a guest to produce borrow or lend money however, need every month to still be borrowed.
Nowadays, vessel home goes bankrupt, if landlord does not close to be able to control a house to chummage, and hire a guest to be able to live to still need to still be borrowed without the room not only.
Borrow money in installment check scheme
As we have learned, vessel home goes bankrupt to have 4000 damage that rent a settle or live in a strange place about, involved network borrows platform to have 6, falling in love with a street among them is to hire a guest to bind calm most.
The victim expresses, do not have method to want to return loan really at that time, as a result the afraidest thing still happened! The contract of home of vessel of landlord compose a quarrel becomes invalid, next month chummage pays him directly, be equal to us to want to pay two rent, the loss is quick 20 thousand.
After the personage inside course of study is analysed, say, the management mode essence of vessel home is to use the credit that hires a guest, provide outspread fund to oneself, to hiring a firm can saying itself is " without Benmoli " . Current, a lot of other intermediary orgnaizations also are using this kind of method to serve as terms of payment, this kind of means can accelerate the steam again of company capital.
Chinese estate signs up for a reporter to say, going bankrupt after the announcement is released, a controller tells vessel home tenement directly: "Do not have gold of cash return a deposit, do not have money to retreat chummage more. Do not have money to retreat chummage more..
Current, the tenement of vessel home and owner comprised greatly small Wei Quanqun, be enlightened talks things over too or the way such as law redeems a loss.
And eye of God of Chinese fund newspaper checks inquiry, the enrollment of this company time is 2016, at present grading is 84 minutes, the company was not cancelled, also do not have announcement of lawsuit, relevant court and modificatory record. And under one's name of Wei Yongfeng of company legal person still has 28 companies.
In the meantime, have claim the personage of the employee before vessel home company signs up for a reporter to explode to Chinese estate piece, vessel home is so called business continues just is this company changed a mec housing likely extremely.
"Long rent apartment + consumptive finance " the secret worry of mode
Shi Ge of landed magnate Pan expresses a few days ago, "The price that rent a house breaks up again time still be lose money in business. "Subsequently he explains, "Because if be the interest that generates from bank loan, according to the bank standard interest rate is 4.9% , the possibility is gotten actually 5% , 6% , with loan building apartment lease goes, return rate is top had not exceeded 1% , so this business is deficient.
Pan Shige did not mention the possibility this, the enterprise issues 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.
And Chinese fund newspaper arrives alertly, there is similar ABS to give out before.
On August 10, 2017, a chummage that Beijing freelies in installment fiducial be benefited authority assets supports special plan to be issued successfully, its trade the structure pursues as follows:
But from business mode proceed with, zong Chengyuan of college of finance of university of central finance and economics thinks this business mode is simple for as follows:
Do not blame so that Hu Jinghui thinks, "Long hire apartment to explode storehouse, explode than P2P certainly thunder is fiercer. Explode than P2P certainly thunder is fiercer..
Capital is added hold next length that run quickly madly to rent apartment
According to report of certificate business China, this is not this year first length since rent apartment " explode storehouse " case. The reporter understands, since this year, had had had hired live, actor of apartment of love love the home, Changsha hires guest, Kai to believe home of Asia, vessel these 5 dispersive type are long hired apartment to give an issue, and problem reason, without one exception, it is capital catenary ruptures entirely brought operation crisis; Among them 4 happen first half of the year, and statistical discovery, long hire apartment to explode thunder amount, frequency, from 2017 bottom up to now, quicken apparently.
Companion grows as the problem hire apartment grow in quantity while, long hire apartment operation dealer direct financing " explode quantity " .
According to data of statistic of certificate business China, since this year, the dispersive type apartment of market rank TOP10 from 2012 up to now financing 25, accumulative total financing 7.5 billion yuan, in this, be in merely 2018 up to now financing forehead had been achieved 6.4 billion; The financing of accumulative total of apartment of collect Chinese style of TOP10 makes an appointment with 6 billion yuan, also nearly 1.4 billion yuan happened 2018.
Since this year, grow the financing number that hires apartment operation dealer to increase, amount of odd pen financing increases apparent; And, in intense competition, apartment of home of ease of guest of freely, actor, chorion, dawdle rents a house 4 big platform part financing 4 billion yuan, 1 billion yuan, 1.2 billion yuan (170 million dollar) , 200 million yuan (30 million dollar) , platform head effect is shown gradually, attract to capital and resource assemble.
On the other hand, negotiable securities of capital fund of the market that rent changes big sheet to appearing often.
Statistic shows, since this year, capital negotiable securities changes project scope to amount to of one billion four hundred and ten million and sixty-five thousand four hundred and eight already had 5, include " the be in harmony that enrol business is achieved - the Shekou that enrol business is long rent apartment asset of first phase supports special plan " , " gallop - business of the action that build be in harmony grows hire apartment series asset to support bill " , " achieve greatly cast how to reside group talented person to rent housing capital fund to support special plan " . Xu Cong of analyst of product of innovation of academy of sea silver-colored fortune thinks, the dimensions that as housing negotiable securities of capital fund of the market that rent changes develops as the industry, future is big become normal state.
Look in the personage inside many course of study, long hiring apartment gain to have one share is support character and rate of brand excessive price, and the credit that increases lever to bring a problem to will affect the demand that rent a house to hire house market to growing undoubtedly wildly. Virgin copartner Duan Chunhai judges hummer house, the price difference of hire of profit pattern = with real apartment + financial lever + price of hold property excessive. The base that rents apartment assets digitlization grows in implementation, carry market of dimensions of financial lever dilate, race to control, must control good lever scale to be on guard risk, realize excessive value, score gain.
Beijing much branch starts investigation " hire a room to borrow "
Beijing lives build appoint express yesterday, in the light of housing the enterprise that rent is violated compasses use " hire a room to borrow " , combining revenue of bureau of city silver-colored inspect, city banking bureau, city to wait for sectional investigation to obtain evidence at present, once check solid, will from heavy punishment, associated chasten.
This is not the government is aimed at first " hire a room to borrow " phonate.
On August 17, city lives build appoint the sectional concentration such as revenue of bureau of associated city silver-colored inspect, city banking bureau, city talks about the main housing such as apartment of contain of freely, photograph, chorion to hire company controller about, specific requirement housing hires a company " 3 must not " and " 3 severe check " , the fund that includes to must not use the financing channel such as bank loan to get among them is malign source of room of competitive race to control, additional, will severe check the act that does not use financing fund by conventional utility.
Tecent money dispatch signs up for integratedly from Chinese fund (Chinafundnews) , certificate business China (estate newspaper of Quanshangcn) , China
