Long rent apartment " rise in price wet " disturbance has not gone, "Hire a room to be borrowed in installment " controversy is swept across again and come.
On August 23, hangzhou a limited company of science and technology of network of the home that it is a vessel (the following abbreviation " vessel home " ) long hire apartment firm to announce to go bankrupt. Vessel home causes a large number of hiring guest and landlord dimension authority at the same time, "Hire is borrowed " run mode also immediately by exposure of a lot of media, be pointed to to say " empty glove white wolf " .
Before this, late on August 22, one the name is " why intermediary is fooled grab source of the room that rent, because peddle poison,do not have it to come buck is quick " be transmitted extensively from media article. This article rebukes " long hire apartment to be suspected of using legal blind area to encroach the rights and interests that hires guest and landlord, the form that covers white wolf with empty-handed is covered take many loan fund to be used at oneself to develop, mix venture move to landlord hire guest and whole society " , point out long hire apartment if things go on like this to appear likely explode the storehouse is dangerous, bring for a short while cause public opinion in an uproar.
Facing a disorder nowadays " hire is borrowed " problem, the superintendency branch of a few places has moved. On August 23, beijing lives build appoint express, 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.
"Hire is borrowed " once was the financial product that is applauded with all possible means, why was pushed however today the awkward condition that accepts doubt fully?
Be concealed " hire is borrowed "
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. Current, vessel home is in nobody to receive in the advisory phone of the obligate in announcement listen to condition, according to media coverage, announcing to go bankrupt previously, its office already the person goes the building is empty.
Accompany those who follow a vessel home to go bankrupt, its have controversy quite " hire is borrowed " run mode to also rise to surface.
"Vessel home goes bankrupt incident " medium fall victim hires guest Wang Li to disclose to round-the-clock science and technology, "At the outset when oneself are renting a house, ever wanted detain to pay 3, but vessel home holds to can detain pays one " , wang Licai is clear later, oneself are in unwitting the circumstance falls to was signed to arrange network loan actually, covert pay corresponding accrual.
Wang Li says, when signing the agreement that rent a house at that time, vessel home did not tell him this is " loan agreement " , just ask oneself pass bank card to bind decide the name is " 51 return " (now more the name is " love goes into the street " ) APP. "What think at that time is to wanted to pay rent only go, give who was found out carefully really " , wang Li says.
Actually, once hire bank card of the guest to follow " 51 return " APP is bound calm, the hire that rents a settle or live in a strange place one year is OK by " 51 return " paid a vessel one-timely the home, and hire a guest to need to press a month only to " 51 return " pay hire and corresponding loan interest can.
Look forward to checks the information that examine to show, "51 return " it is one is offerred what finance serves is one-stop character life platform. When the user is registered, bind after paying treasure Zhang mark surely, need not mortgage, it is OK to need sesame seed credence to assign a value only obtain borrow money in installment forehead to spend, consumer besides can use on platform serve in installment, return what can enjoy high specified number to return profit.
Vessel home goes bankrupt the user that drag in gives " be borrowed money " the problem is not an exemple. Be in early last year September, CCTV finance and economics " economic information broadcast over a radio network " with respect to exposure a person that rent a house is ineffable " be borrowed money " case -- because the building that leases a guest through intermediary is bought by Great Bear apartment, when both sides signs the contract that rent a house again, intermediary tells to hire a guest to want to use the name is " divide Fu Jun " App will pay rent. After a few months, the ability that rent a settle or live in a strange place discovers him " be borrowed money " .
Last year November, " Chengdu business signs up for " , " Beijing youth signs up for " also had reported respectively when hiring a guest to rent a house " be borrowed money " experience. In the report of a xinhua net, contain of chorion, photograph also is exposed to the sun to go out to did not inform an user to had dealt with hire to borrow money.
The logic that borrows a product from hire looks, its purpose is the problem that is in short supply to hire a guest to solve the capital that rent a house, long why to hire apartment to want to the true state of affairs that hires a guest to conceal loan?
Long hire apartment practitioner Li Min to tell round-the-clock science and technology, hire borrows product component to be two kinds of types: Beijing of a kind of such as east white, flower this kind of product, to what hire a guest to offer it is small consumptive finance borrows money, loan specified amount spends the rent that pays a few months for renting a settle or live in a strange place only, this kind of loan is handled below the circumstance of the know the inside story that rent a settle or live in a strange place normally.
Still one is plant is, put borrow an orgnaization one-time 1 year even hire of 2 years makes apartment operation square, just control by apartment operation use this fund, bear corresponding loan interest (or apartment operation just reachs accrual share again in chummage final by hire a guest to assume) , hire a guest to press a month to put borrow an orgnaization to pay rent. This kind borrows money, apartment operation just can be concealed normally rent a settle or live in a strange place.
"This is to grow the credit that hires apartment to use the individual that rent a settle or live in a strange place actually, obtain the development fund such as enterprise dilate for oneself, even if does not need to hire a guest to bear interest, hire a guest to because fear individual information is divulged to wait for reason generation to defy psychology,also be met " , li Min says, in case apartment operation just coils the money runnings road, hire a guest to be faced with probably can live without the room, the risk that continues to pay rent even.
Square statistic shows operation of a group of apartment, in the current market that rent, the leak of privacy of individual of the concern that rent a settle or live in a strange place of 42.2% abandons choosing to rent a house in installment product, of 31% because apply for to deal with and abandon hiring a room to be borrowed in installment,rent a settle or live in a strange place. This statistic still points out, current credit hires house business medium happening after the case that hire is being returned among consumer, how to decide responsibility just assumes penalty due to breach of contract to lack uniform standard.
"Long hire apartment redound cycle long, profit margin is low, need a large number of capital, in fact a lot of in the withdrawal from circulation that essay card apartment is using this kind of terms of payment to accelerate company capital " , with plan academy chief analyst Zhang Hongwei tells round-the-clock science and technology, long hire apartment operation business to at present only leasehold does not have property right, borrow money very hard without pawn in the bank, and VC favors only again head brand, a lot of medium or small long hire apartment financing ability to lose, want to obtain capital to be able to walk up only ' borrow in installment ' this road.
Occupy Li Min to divulge, shanghai some is famous growing the index that hires apartment to give business personnel set is, of 75% above hire a guest to want to do rent in installment, acquire cooperative bank with this one-time extend 1-2 year hire borrows money.
But in Xu Hui give attention to two or morethings of author of the combination that get contain asks Gao Jie looks, this kind is borrowed through hire come the way that opulent cash flows, return majority consist in at present the length of dispersive sex hires apartment brand, the room look forward to that behavior of couplet of 10 thousand divisions, Long Hu, world represents is long hire apartment to be involved rarely.
Yuan Jun of general manager of contain of berth of executive partner of 10 thousand divisions, 10 thousand divisions is accepting Shenzhen when media is interviewed, express, "Be being borrowed in installment is negative detailed list in berth contain, do not touch stoutly, also won't pay close attention to financial domain too much.
Contend for grab " hire is borrowed " cake
The fund that borrows from hire is offerred square for, this is an alluring and huge market likewise. Around grow the product of of all kinds banking that rents apartment and platform extensive existence, numerous and complicated is complex. Round-the-clock science and technology combs discovery, person of eye anteroom commander, benefit is borrowed, the interest is hired, meeting in installment, pay 58 months wait for numerous platform to be in with long hire apartment to undertake the relevant loan that rent a house cooperates.
Beijing east, Internet tycoon waits in A, the big finance orgnaization that builds a bank inside in recent years also in succession sortie hires room finance domain.
According to understanding of round-the-clock science and technology, put borrow an orgnaization one-time paying apartment operation rent just is the accepts generally operation mode inside course of study. Borrow an orgnaization to putting and character, it is OK that the advantage of clearly depends on batch is done put greatly borrow dimensions.
In Central Plains real estate Wei of chief analyst magnify looks, hire the prosperity of room finance, especially tycoons enter the backside of the bureau in succession, it is the China's current and exuberant demand that rent.
Catenary home academy releases " rent rise abruptly " the report shows, 2015, 2016, china rents market dimensions to be in 1.1 trillion yuan probably, 2020 or will amount to 1.6 trillion, will amount to 2025 2.9 trillion, can exceed 4 trillion 2030. The setting renting a house of -727379968 dimensions, become naturally borrow money in installment the direction that quickens layout.
And as grow the elder brother that hires apartment domain, what catenary home banner falls is long hire apartment brand freely to be in what borrow domain sortie in installment deeper.
Be in early days choice and Beijing east white a collaboration, after feeling technological process of loan of familiar cycle finance, at present freely basically relies on the financial platform at oneself -- conch gold accuses to offer hire to borrow a service to rent a settle or live in a strange place.
Look forward to is checked check information to show, conch gold accuses to held water in March 2017, by peaceful of Beijing rich constant and ad limited company 100% hold, and the large stockholder of peaceful of Beijing rich constant and backside of ad limited company is Zun Hui of catenary home president.
Conch gold accused to had covered business at present, rent, domestic outfit, install a variety of house consumption setting that spread out around housing, offer from pay, each consumptive banking service such as loan.
Current, freely App is offerred online pay, freely is white, the means that freelies the guest enjoys 3 kinds to pay hire kimono Wu fee only. Conch gold accuses platform to still be offerred hire shellfish, outfit shellfish, live the product of of all kinds banking such as shellfish serves.
"Choose hire shellfish, can detain pays one, but every month should pay certain proportional interest " , chamberlain of a freely tells round-the-clock science and technology.
Such, freely from before to put it is OK to borrow change of orgnaization pay interest to become his to hire a guest to capture loan interest.
In the hire of the near future rises and hiring a room to borrow disturbance, freely gets of public opinion censure more quite.
Freely emphasizes in outgiving, "Freely provides a variety of absolutely and open, transparent rent terms of payment, hire a guest to be able to choose freely independently according to individual circumstance, relevant operation is to join compasses action legally, absolutely nonexistent compulsive, delusive behavior. Absolutely nonexistent compulsive, delusive behavior..
But a personage inside the job that approachs freely expresses to round-the-clock science and technology, "Freely is passed white this passageway, borrow loan of a year on name rent a settle or live in a strange place, but actual it is to be hit to the Zhang of freely directly, the passageway packs creditor's rights accrual into ABS accrual again. The passageway packs creditor's rights accrual into ABS accrual again..
Long rent apartment " explode storehouse " face of positive and negative
"Long hire apartment to explode storehouse, explode than P2P certainly thunder is fiercer. " recently, hu Jinghui of the vice-president before I love my home rents apartment about growing this " gold sentence " be transmitted extensively, a storm was raised in the market that rent a house.
Of vessel home explode the storehouse is thought come true of Hu Jinghui " fatidical " , the psychological suggestion of this backside is: One wavelengh hires apartment to explode Cang Chao may want to come.
Li Min says, long hire apartment to appear easily explode of the storehouse when the dot is annual the end of the year and at the beginning of second year, around of the end of the year, a lot of people should be retreated hire come home, and the new measure that rent a settle or live in a strange place decreases,
Nevertheless, will look at present, long hire apartment to whether can appear large-scale explode the storehouse still remains to observe.
Grow to once close down,rent apartment or run road, reach with respect to meeting disaster hire guest and landlord, cause a series of chain crisis -- landlord does not collect rent, can call in consequently house, rent a settle or live in a strange place not only the likelihood is evicted to rent house, continue to pay the rest rent.
In addition, a personage of house property intermediary tells round-the-clock science and technology, retreating hire or relet respect, when signing the contract that rent a house normally, hire a guest to need to talk things over to be able to return the house consistently with landlord, intermediary only hire or relet, but hire borrows mode to fall, the relet inside agreement period and retreat hire become fast knot possibly, once lease is not full, retreat hire or relet behavior turns into likely loan exceed the time limit, affect then sign a letter.
So, once be damaged,hire shifts the hires guest and landlord interest below mode, who will be in charge of?
Beijing is filled with Ge Lei of family attorney office's lawyer to think, "If borrow money to just know perfectly well the fraudulent action of house property intermediary, criterion tenement has authority cancel this loan behavior. If borrow money to just do not know the fraudulent action of house property intermediary, bring losing to tenement, tenement can ask apartment operation just assumes liability to pay compensation. Tenement can ask apartment operation just assumes liability to pay compensation..
"Once produce such as to go bankrupt,close down such dispute, want basis contract principal part, who is contract main body, landlord and hire a guest to beg to who relevant compensation. " Dan Gelei also expresses, be defined to this kind of behavior at present without special legal clause.
Once explode,the length that hire borrows mode rents apartment storehouse, same meeting will put the land that shifts orgnaization park risk.
Not long ago, shanghai is long hire apartment operation dealer " love life loves apartment " and limited company of broker of estate of Beijing Hao Yuanheng property (the following abbreviation: Course of study of Hao garden constant) , because capital catenary ruptures,all initiate advantageous position of the dimension that rent a settle or live in a strange place.
Nevertheless, li Min thinks, borrow an orgnaization to putting for, as long as the house is eternal break, can continue to hire, can get rent.
To be on guard sublessor (long lease apartment operation square) explode storehouse, roll the money runnings the road is baleful even cheat borrow, put borrow an orgnaization also trying " canal of science and technology accuses " , be on guard risk. For instance, before loan, requirement sublessor rented house installs intelligent door lock and electric meter, monitoring house has a person to live after all, if did not last to use phone or use door lock, that means a likelihood have a problem.
Be on guard from the risk consideration, no matter Internet tycoon, the platform of tripartite loan of the financial orgnaization such as hair of the Construction Bank, riverside or influential force, apt follows have collaboration of head apartment brand. "The orgnaization of small sublessor loan in be willing now becomes little, the channel that they take money is very few. " Li Min thinks, partial player explodes the storehouse also is long rent the discard of bad of apartment industry superior, display that shuffles gradually, and to renting a settle or live in a strange place for, hire is borrowed is a financial product that provides human nature to change quite at first, had been played bad a bit now.
