Drive up from malign competition chummage, to " hire a room to borrow " infestation, the work that the housing of the near future rents the market is a bit much!
Recently, hangzhou one the name is " vessel home " long hire apartment to explode thunder, more direct exposure long hire apartment intermediary orgnaization to push go up the financial method that chummage backside empty-handed covers white wolf.
How did hire change to borrow money!
Orgnaization data shows, long hire house guest householder to want with 80, 90 hind the user is given priority to, basically center in 20-35 year old the age paragraph, occupy than be as high as 90% . 2000-3500 yuan price of lunar hire sex compares tall, choice the crowd is most.
So, is the intermediary orgnaization such as vessel home how of loot youth purse?
A journey of vessel home is not difficult, say simply, cover the difference that took hire of the pay that rent a settle or live in a strange place and landlord collection hire namely.
According to coverage of the media before this, if want to come true in vessel home,rent a settle or live in a strange place " detain pays one " rent terms of payment, should bind through bank card decide the name is " 51 return " (now more the name is " love goes into the street " ) APP, one-time pay vessel home 12 months rent, return every months again still give loan APP corresponding amount.
This is equivalent to, below the circumstance of not complete know the inside story, you borrowed platform to borrow the hire of annual to the net, next, wait for means refund amount of the forehead and accrual with every months, with credit card in installment reimbursement is very similar.
Of course, this just grows rent apartment " hire a room to borrow " the first pace of trap!
You borrow the annual hire that platform borrows to the net, did not hit a paragraph to give landlord directly, received intermediary account continuously however. Intermediary orgnaization can press a month commonly or pay landlord rent by the quarter, odd debt all flowed into the money bag of intermediary orgnaization.
The hire as embezzle is increasing, the capital pool of intermediary orgnaization also rolls greater more, recumbent these capital, they are capable with higher price dish to more room sources. As time passes, individual landlord can think his coequal room source also should be worth more money, push thereby go up market chummage.
The near future, long hire apartment chaos elephant to suffer public opinion heat discuss. Baidu news searchs check scheme
The netizen speaks say, this is simply " spend the money tomorrow, rent today's house, explode acquired thunder " .
In Central Plains real estate Wei of chief analyst magnify looks, go up hire is presentative only, hire what the question with room the biggest market comes from catenary of capital of the orgnaization that rent to rupture.
In groovy operation, what enterprise of the representative that rent earns is hire service fee and price difference, main nonexistent risk. But now, more and more enterprises use hire to pay margin, build capital pool, move to make him use, sparked necessarily management risk.
Youth, you are likely money, room two break!
"Grow the thunder that rents apartment, more terrible than P2P. " I love Hu Jinghui of my home former vice president to hit the nail on the head.
Tool of finance of have the aid of, long it is OK to hire house company many precipitation capital, increase capital lever. Together with is mixed in owner client two end are financial lever, housing is rented manage became " empty glove white wolf " the business.
Once serve as the housing of bagman to hire hire platform,run road, hire a guest to take the deposit that is less than go ahead of the rest to pay already, want every months to borrow platform to return money to the net again; And gold of the relet after landlord does not close, completely OK lawfully break down rents a contract.
Netizen of sina small gain comments on check scheme.
The netizen speaks, the APP renting a house that earns price difference without middleman develops rapidly!
Having 7, the Tong Xin that hires room experience 8 years tells a reporter, "Hire a room to borrow " affect individual credence possibly still. If you live not main rooms, do not continue to still be borrowed, in the bank or the credit grade of financial orgnaization can be reduced, affirmative meeting affects individual credence.
"Hire a room to borrow " lawful?
In view of the capital risk that exists possibly. Beijing lives build appoint expressed recently, in the light of housing the enterprise that rent is violated compasses use " hire a room to borrow " , combining much department investigation to obtain evidence at present, once check solid, will from heavy punishment, associated chasten.
So, "Hire a room to borrow " lawful?
Jiang Bao of real-estate industry lawyer tells a reporter, hire a room to borrow behavior itself not to break the law, but premise is usurer wants thing prophet condition, and loan should be used at hire to pay entirely.
Building of Hangzhou town some house. Hu Zhefei is photographed
Hiring a room to borrow itself is meddlesome, but a few intermediary or orgnaization existence violate compasses and the problem that hold back: It is whether loan fund source closes on one hand plan is legal; 2 it is loan fund pays with superintend whether to reach the designated position.
Does loan hire room = excessive spending?
However, the individual finance that rent and derive tasted exploration, let the personage inside a lot of course of study feel anxious.
"The financing volume level that the place that rent a house requires and buying a house is not a meaning, hire a room to want to rely on the word of loan, its can control income and consumptive construction more debatable, cause excessive spending possibly even. " Central Plains real estate is presiding speak bluntly of analyst magnify Wei.
Refer hires a room to borrow, many expert inside course of study and lawyer all suggest, want to strengthen debt trend to superintend, be on guard credit fund be waited to cheat by divert shift a risk.
Also be loan in installment! Not foolish foolish admit not clear
The reporter notices, long like the majority such as chorion, freely hire apartment platform to be put in the consumption that rent a house in installment loan product.
On freely official net, beijing Haidian area as shady retreat on a green hill south Li Mou one-room flat makes the different terms of payment that hires hire.
In the payment page of source of freely APP room, general meeting has terms of payment of 5 kinds of rent to offer an alternative, include a month to pay, season pays, half an year pays, year pay and freely the guest is enjoyed only in installment, the annual of every kinds of terms of payment always pays the forehead, all by " hire + cash pledge + year the service is expended " form.
Among them, the deposit renting a settle or live in a strange place that choice month pays is otherer means slightly tall; And the discretion that serves cost criterion with pay accident of hire time limit to become inverse ratio, the month pays rent hire guest general pay more service fee.
To freely in installment, the government is its definition, the consumption that makes for tenement borrows money in installment. In installment poundage is led 6.27% , in all 11 period, enjoy a service to expend 7 fold.
If Id registers credence of 1 year of user, lease, freely,divide only full 70 minutes and to be not user of enterprise of student, blame, can use sign in installment about.
Freely official net is freely in installment the rent that the client offers is calculated, comparative function.
With lunar hire 5000 yuan are exemple, freely in installment of the user head pay to be 10280 yuan only; If pay by season, namely traditional " detain 3 Fu Yi " , head pay increase 24800 yuan; And if be year pay, should comparative " local tyrant " one-time pay 68840 yuan.
"Although option is much, the choice of tenement is very little however! " Tong Xin is helpless express, how to pay to depend on completely individual economic atmosphere, at hand does not have a law one-time take out so much money, lease the option that the room is borrowed or says to paid to become have no alternative in installment.
Under photograph comparing, the loan product of chorion apartment more concealment.
If think the month pays rent,rent a settle or live in a strange place, can choose only " in installment the month pays " , besides, chorion is offerred only year pay and half an year pays two kinds of terms of payment.
On chorion apartment APP, the general view of rent terms of payment of some room source.
Chorion hires customer reaction, when renting a house, be opposite borrow money in installment not know the inside story, the chamberlain when be being made an appointment with till the autograph hints ability knows.
To this, ceng Hui of chorion apartment customer service should say, chorion signs the contract that rent a house and loan contract to must do sth for sb by chamberlain, resident cannot oneself are operated.
How to avoid to hire a room to won't do, be cheated to borrow instead?
Above all, do not choose as far as possible " detain pays one " hire pays mode.
The mode that pays rent by the month is used very easily by intermediary, help you borrow platform from the net or the loan that the bank applies chummage amount one year, use pay chummage; And the money that you make every months, became from hire directly still borrow.
Next, if housing rents an orgnaization to ask to be besides the contract, the agreement concerns the matters concerned that hire pays, you are about vigilant!
Because, conventional rent terms of payment also is housing rents the necessary content of the contract.
Check scheme comes from net of Chinese National People's Congress to release " contract law of People's Republic of China " clause.
" contract law of People's Republic of China " regulation, the name that content of the contract that rent includes to rent content, amount, utility, deadline that rent, hire reachs his to pay the deadline and means, content that rent the clause such as maintenance.
In addition, in wanting advertent all the more contract " financial orgnaization " , " serve in installment " , " credit is evaluated " wait for a word, careful prevent cheat borrow trap.
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