Our newspaper reporter: Jiang Hongchen's exercitation reporter: Chen Pian Pian
On August 27, hangzhou " vessel home incident " embroil square, the net borrows platform " love goes into the street " hold media to communicate meeting, announce the processing result to incident, fall in love with a street to express, will remove ordinal connection fall victim to hire a guest to deal with from August 29, 2018 remove in installment formalities, give remove in the round Zhang is odd, just investigate its law duty to concerned responsibility.
Fall in love with street CEO Zhu Mingmin to express, we also are the victims of incident, with limited company of science and technology of network of Hangzhou vessel home (the following abbreviation " vessel home " ) " receive Pan Xia " contain is round (Shanghai) limited company of network science and technology (the following abbreviation " contain is round " ) undertook osculatory, but incident has no a result.
23 days, incident exposes to the sun when going out, love goes into the street to already sent statement to say, already on platform of pay for sb and expect to be repaid later 243 tenement, add up to about 1.8 million yuan hire.
Make remove the decision of tenement Zhang sheet, mean of 1.8 million chase after denounce or more not within the foreseeable future.
23 days of evening, contain group releases announcement to say, receive the capital fund below banner of Home Pan Ding, but do not receive dish of debt and issue. Give out two kinds of solutions, 1. Owner and contain round company sign 2 years in the add on original contract, contain round company will be one-time hire of compensation 50%-100% month; 2. Hire of month of one-time compensation 150%-200% , sign original contract add 3-5 year.
To this, major owner to increasing lease, decrease hire to wait to the condition resents and reject to turn the autograph is made an appointment with, more owner hope removes with vessel home first agreement.
And before hire what the room borrows to rent a settle or live in a strange place through falling in love with street APP to undertake, liability law thought fors the time being. Current, because a lot of owner did not get rent, and receive fund to tenement directly, bring about tenement to want to pay a net to borrow the loan of platform not only, pay a rent again even at the same time. Many undergraduates that did not pay ability must move in midnight.
Tenement makes the group of the weakest force in incident of this cruel thunder, as we have learned, at present already more than 200 hire a guest to plan to sue dimension authority to vessel home.
Hire a room to borrow: Did chummage become loan?
In the past one old renting apartment still is blast tuyere. Began 2014, catenary home, my love the old brand such as my home, 10 thousand divisions hires apartment to have position to growing. " 58 groups 2018 the housing market that rent reports first quarter " show, up to in March 2018, inside countrywide limits of all kinds long hire apartment brand to amount to many 1200, room source dimensions evens more 2.02 million.
Grow the fire that rents apartment to just be paid close attention to extensively by everybody gradually recently, the ignition of this fire person it is Hu Jinghui of the vice-president before I love my home.
Incident be leavinged his post just was brushed explode friend circle, "Long hire apartment to explode storehouse, explode than P2P certainly thunder is fiercer " another language becomes caution augury.
On August 20, long hire limited company of science and technology of network of home of vessel of apartment firm Hangzhou to issue an announcement, say the company brings about capital to rupture because of managing not to be pooh-poohed, already suspended operation.
Go 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. This causes damage of 4000 tenement interest directly, involve a net to borrow platform to have 6.
Hu Jinghui expresses, long if try not in time to superintend and clear,rent apartment rectify, to the meeting before the end of the year each explodes storehouse, and can explode bigger more.
He thinks, explode the storehouse is the mainest the reason is capital catenary ruptures, control a house at high price on one hand, cause intermediary orgnaization competition is intense; On the other hand, pass financial capital fast and outspread dimensions, the hire quoted price that causes intermediary orgnaization is inevitable and elevatory, after exceeding those who rent a settle or live in a strange place to pay force, be faced with low to sell again.
The financing means that at present intermediary basically uses is: Equity type and bond type. Equity type attracts capital to invest namely, bond type is to use ABS (capital negotiable securities is changed) etc undertake financing, among them, ABS mode develops quickly two this years, long charter apartment master of a sailing vessel " freely " of application most, this mode so-called " freely mode " .
Alleged apartment ABS, it is to point to property right namely, anticipate hire or chummage loan serve as asset, make public the means of a kind of financing of collect endowment in the market. Be being told popularly is to will hire a guest to had not given in the chummage that go, treat as grow those who rent apartment " fixed assets " financing of go off with. Current, the brand such as freely, magic square, chorion distributed his ABS product.
And to broad regional or for orgnaization of diminutive building intermediary, apply ABS serious dissimilation.
"Black bamboo Mr Zhang " in " long hire apartment to still come than peddling poison buck is quick " middle finger goes out, vessel home this kind of mode, essence is intermediary uses the credit that hires a guest to borrow an orgnaization to cover the hire that took 12 months to bank, net, pay landlord 3 months only next, deduct the money in 9 months in the hand, he uses these fund, can develop 3 new landlord again, even if price is a bit higher, a bit more deficient money also is indifferent to, etc the market is all and occupational, can earn come back.
This kind of empty-handed covers white wolf to steal fund of the loan that rent a settle or live in a strange place to be used at the act that oneself admits, change the P2P of a kind of mode namely actually, and all capital, with Yu Zirong, once capital catenary ruptures, clear for an instant.
Interior management is confused
Be aimed at this Bao Lei, wei Yongfeng of vessel home president expresses, company strike goes bankrupt the brim, main reason is a company interior management flaw causes embezzlement of partial staff job, price controlling a house operation cost is exorbitant, exorbitant bring about.
Vessel home ever said at sending statement on August 2, in Feburary, investigated what be in charge of associated middle-level controller high to use a post by the company together to control a house at high price in June, embezzle hire, receive owner sales commission, receive charge of electricity of the water that rent a settle or live in a strange place more, the incident of commission of embezzle company earnings, say the company already reported a case to the security authorities,
In the competition that buys room source, the expenses of vessel home is very large also. According to company interior the personage expresses,
Began this year in March, it is the consequence that capital swarms into probably, hangzhou is long hire apartment to control a house competition is unusually intense, vessel home unwillings to lag behind, control a house more also, received 1000 much flatlet in March merely, estimate among them 1/3 come 2/3 the left and right sides is inferior room source, empty buy is close 500, take up capital almost every month is amounted to 2 million, continuously after a few months, take up capital achieves 800-900 10 thousand.
To offset deficit, swing the inferior room in the hand, vessel home began low to rent in June, hit on the foundation of cost price of source of very much bad room 7 fold, 8 fold undertake renting.
A lot of hire a guest to express, it is some cheaper that the chummage of vessel home should compare market price. Especially the university graduated in July season, have 7 more or the 8 privilege that lose.
Also have owner report, the room rent that vessel home takes from its hand is every months 4000, and the hire when vessel home hires tenement is 3500 yuan.
98-99% is long hire apartment not to make money
Grow the such heat that hires house market to fry, earn after all do not make money?
Hu Jinghui attends Netease economist annual meeting 26 numbers this month, accept when interviewing, express, domestic 98-99% does not make money.
Because home uses is the type that hire advantageous position, not be property right type, the United States basically is property right type. The United States is to buy operation, china is sublessor type, even if achieves certain dimensions to earn money very hard so.
He still expresses, before building intermediary market 5 due national endowment accuses. Be based on a reason is: Present orgnaization is earning fast money, horse race encircles the ground, broke away from company liability and market logic completely, it is ToVC, is not ToC, the product is not a service at renting a settle or live in a strange place, find to fall one round however " foolish money " make beautiful. Once cannot be found,receive Pan Xia, do not make money again, how not can cruel thunder?
In the meantime, other market personage also expressed same point of view.
Pan Shige expresses, existing circumstance does not suggest everybody goes doing, the return rate after going because of apartment lease is top do not exceed 1% , the price that rents a house turns over still be lose money in business one time again.
Niu Wenwen of president of poineering a dark horse hires apartment to explode to growing incident publishs the storehouse the review shows, "A profession, if excessive gold melts, excessive put lever, inevitable meeting creates financial venture and social risk, destroy whole industry finally " .
Share bicycle such, p2P is such, area piece catenary is such, now, even the oldest the most traditional chummage rents intermediary profession, also be melted by fast gold excessive finance was changed, and be about to explode thunder.
He still points out, detonated global banking crisis 2007, result from namely course of study gives American real estate and finance to pay originally together not the poor that at first pays puts lever 0 pay, explode finally the sub loan of thunder. Look be like ordinary building to rent intermediary, if advocate peace the room,the tool of not quite tall credit by finance of the person that rent a house magnifies N times, add lever financing ceaselessly from this then, so, everybody once explode,does not know thunder banking venture can be conducted affect degree of what domain, what.
He appeals investor of the person that do poineering work, must not again excessive gold melts, excessive Internet is changed, should return to industrial essence severally, in perpendicular fractionize industry serious innovation upgrades, is not to blow hubble-bubble ceaselessly to create wind gap, kill oneself kill a person to kill a society.
