"Hire a room to borrow " already grew the common practice that leases apartment operation borrows " fiducial plan " to hire a guest to put borrow
Freely people the banking of backside is private
One parent hires apartment operation personage to divulge, with a few rent a house in installment the collaboration that platform reachs, consume loan to regard financing as the tool for rock-bottom asset in installment through renting a house, it is long rent apartment these year a secret that obtains rapid development. Should grow only hire apartment industry to keep enough add fast, assure have enough to meet need with enough and rental rate, can obtain the cash shedding with constant in a steady stream to undertake dilate.
After the Beginning of Autumn passes, the weather of Beijing becomes cool gradually. Early morning, country the office worker of trade flocks from each subway mouths of 10 a line, lines and go out, the citizen with sensitive variation of a few pairs of weather has been worn removed long gown. There is a lot of among them is to hire lodger, one connect the Beijing such as center of the garden of center, thatched cottage, apple, north that tell a state early from the day greatly the office building that each direction drive a country to trade goes to work. Congested squeezed the Zhang Zaocong that firm college graduate goes to work two months to come out in railroad car of a line, he just drew out skill machine, play a news with respect to a when achieved end of some news client " Beijing much branch will be severe check hire a room to borrow " . Before two months piece of the action in jujube all but " hire a room to borrow " already was in nowadays where the wind and the waves are highest. "Financial ＋ is long rent apartment " mode caused extensive controversy.
Incident
Hangzhou Shanghai " hire a room to borrow " platform in succession Bao Lei
Recently, one parent hires Hangzhou the insolvency of apartment is rapid went up first. The length of Hangzhou hires science and technology of home of vessel of apartment operation enterprise to announce suddenly, because manage not to be pooh-poohed, occurrence capital catenary ruptures, had been entered to go bankrupt by arrangement at present liquidation program.
As we have learned, when tenement is renting a house, vessel home ever promise tenement pays pay of one party type rent with detain, but it is to let tenement use network loan below unwitting circumstance however actually. Major tenant is being bound through bank card decide the name is " 51 return " (now more the name is " love goes into the street " ) after APP, this platform is one-time pay a vessel the home rent, and tenement must go into the street every months to love on time reimbursement. 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.
Beijing youth signs up for a reporter to understand, the development mode of vessel home science and technology is summed up simply even if " take a room - rental - financing - take a room again " , the flying progress that this kind of mode gives vessel home science and technology provided adequate financing source, up to already developed by 2017 long hire apartment to exceed 5000.
Yesterday, shanghai " love apartment " rent a settle or live in a strange place northerly also blueness signs up for reporter report, apartment respect has not been dealt with to tenement retreat room, solution to borrow wait for formalities, many landlord report did not get rent many months, even a few just pass " hire a room to borrow " the house-owner that the tenement that makes an appointment with with this apartment autograph also is done not have to get rent became clear come out, and end an agreement completes before this hire a guest to be rejected to return deposit by platform. Current, tenement people had established small letter Wei Quanqun, had called the police to public security mechanism.
According to " love apartment " the introduction that rent a settle or live in a strange place, when the autograph is made an appointment with, the staff member tells her to go to the lavatory, need carries rent of pay of the platform on line of a shoe-shaped gold or silver ingot used as money in feudal China Home E, and use her mobile phone undertake platform is bound calm. She just discovers later, the staff member borrows the chummage that went out one year to a shoe-shaped gold or silver ingot used as money in feudal China Home E with hiring identity information of the guest. After renting a settle or live in a strange place every months hand in hire, it is in E of countervail deoxidize treasure domestic hire is borrowed actually. And hire of a year borrows money, had entered " love apartment " the account of the parent company. Besides a shoe-shaped gold or silver ingot used as money in feudal China Home E, "Love apartment " the platform that borrows to hire a guest to apply for hire still includes capital east financial peace brings fine house. "When the autograph is made an appointment with we not know the inside story this is to hire a room to borrow, the staff member lets us provide Id photocopy and mobile phone number only, they are dealt with for you. They are dealt with for you..
Sound
"Hire a room to borrow " serious effect hires guest rights and interests
"This kind of mode is to hire a guest to be in actually grow in the side with individual credence hire apartment industry to borrow money, encroached the rights and interests that rents a settle or live in a strange place badly. " reporter of northerly blueness newspaper points out an estate attorney, apparently look, this kind " detain pays one " what doesn't the chummage pay kind of mode have to distinguish with average consign rent, but it is completely disparate legislation impact actually. "The lunar hire of the general contract that rent a house is concern of common creditor's rights liability only, and once involve the financial orgnaization to tripartite leasehold, it is financial loan, once appear break a contact or the circumstance of exceed the time limit, may go up the record that sign a letter, the influence hires the guest's credit, later period loan buys a room to buy a car to suffer an effect possibly. Later period loan buys a room to buy a car to suffer an effect possibly..
Lei Guoya of solicitor of silver-colored attorney office expresses in Beijing, in " hire a room to borrow " in case, the contract that rent and loan agreement are two completely independent contracts, produce the legitimate rights and interests that protection goes against to rent a settle or live in a strange place after dispute. Grow on one hand hire apartment to be hire guest and in installment the loan of platform is offerred assure; On the other hand, once platform runs road, hire guest and house-owner to often can be immersed in a contrary condition.
Chase after visit
Beijing also has tenement to encounter " hire a room to borrow "
"I thought to just rent a house, indescribable however carried brushstroke on the back to borrow money " , a of Hangzhou vessel home hair post that hires a guest to go up in the net was caused numerous the resonance that hires lodger. These choices grow the tenement that rents apartment to all express his is after signing a contract ability discovers, thought to just rent a house formerly, thinking of is loan however, what pay every months is not chummage, however the loan of financial orgnaization.
Boreal blueness signs up for a reporter to understand, "Hire a room to borrow " already became grow a kind of when rent apartment general terms of payment. A few days ago, many Beijing citizen also is mirrorred, they encountered below unwitting circumstance " hire a room to borrow " . Tenement chapter gentleman expresses, grow in some before 3 his months hired apartment to hire an one-room flat, should grow the staff member that rents apartment to be recommended mainly to him at that time " detain pays one " mode, telling him this is one is involved " finance borrows money " product, whole process is to growing the operation on the client end that rents apartment, the staff member turns over a page very fast, just tell you which project is hit tick off.
Zhang Zaozai after the university graduated this year in June, grow through some hire apartment platform to rent a house, all but was chosen " hire a room to borrow " . He says, when signing a contract, the staff member tells him to have a variety of terms of payment, recommended mainly among them " detain pays one " means, the terms of payment of other is detain pays 3 or half an year pays. Because the university just graduated to more or less to deposit money, the fine long hair when Zhang Zaodang was chosen forthwith " detain pays one " .
But when the contract that asks when intermediary he signs another as small as tripartite numerous bank agrees with his to inquire the record that sign a letter, zhang Zaocai notices this is contract of a loan, this kind pays to pay annual rent to platform by orgnaization of tripartite finance, resident every months on time to hire of month of pay of orgnaization of tripartite finance. "Not bad I learn legal major, otherwise by revulsive borrowed money. I do not think one graduation bore loan, refused this kind of terms of payment finally. " but should grow the staff member that rents apartment to tell him, if use conventional terms of payment, every months of hire wants many 20% .
Superintend
Relevant section reappraise " financial ＋ is long rent apartment " mode
Recently, as Hangzhou Shanghai " hire a room to borrow " platform in succession Bao Lei, and the market is right " long rent apartment " the doubt that horse race encircles the ground to cause hire to rise quickly. The branch also begins a reappraise to grow the mode with the fast and outspread force that hires finance of apartment have the aid of related the government.
Former I love me domestic vice-president Hu Jinghui is before this in telephone conference say, "The length that is a delegate with apartment of freely, chorion hires apartment operation dealer, to enlarge dimensions, with prep above market of regular price 20% to 40% contend for the source that grab a room, factitious drive up receives house price. And these are long hire apartment reshipment to repair, N+1 is rental mode aggravate hire a room to rise in price. Grow the appetite that hires apartment industry to satisfy capital market blindly, develop serious sideslip now. Develop serious sideslip now..
On August 17, beijing 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. Among them, live build appoint express, make an appointment with Tan Huiming to ask housing hires a company truly: The fund that must not use the financing channel such as bank loan to get is malign source of room of competitive race to control; Must not the hire with level of prep above market or drive up source of room of rent race to control; Must not through raising rent revulsive landlord removes ahead of schedule the source of room of means race to control such as the contract that rent. On August 23, beijing lives build appoint relevant controller reiterates, city lives build appoint had waited for investigation jointly with bureau of city silver-colored inspect, city banking bureau " hire a room to borrow " , will severe the financing source that investigates these intermediary orgnaizations and flow direction, once check fact general from severe punishment.
The many letters source that comes from a government sector shows, the government is relevant sectional general reappraise " financial ＋ is long rent apartment " this kind of mode, do not eliminate to next can relevant measure gives furnace to undertake restraining to this.
On August 17, freely is mentioned in response of a government, prospective freely can be below governmental policy guidance, roll out the market stable measure, maintain lease stability, reduce company assets yield further, let benefit rent a settle or live in a strange place, control house price unreasonable rise, increase the market demand of contented and supply of source of high grade room, constant growth, spend boycott from each dimension undeserved competition, model order of favorable the market that rent.
Boreal blueness signs up for a reporter to understand, rent apartment to growing, a lot of tenement have a kind of contradictory state of mind. A tenement thunder space that leases freely 3 years says, hiring " freely " before, he was cheated twice by black intermediary, by landlord break one's promise. He thinks, freely uses the financial tool financing such as ABS, also should be discussed inside legal frame, should distinguish for instance proper, the transparent loan that rent a house and violate of compasses " hire a room to borrow " , is not one club beat dead.
The period of time before Lei Yu just was finished with freely new of a year of lease renew the contract. He disclosed a detail: "Freely also was not recommended this ' hire a room to borrow ' . "Freely also was not recommended this ' hire a room to borrow ' ..
Investigation
In installment the month pays already was long rent apartment common practice
Beijing " hire a room to borrow " circumstance after all how? "Hire a room to borrow " is backside long hire apartment what to kind of financing source and operation pattern having? Boreal blueness signs up for a reporter to was located in the length of sunny area to hired apartment to undertake investigating to a few a few days ago.
Photograph contain
Tenement can choose credit to hire room product
Boreal blueness signs up for a reporter to be located in near station of subway of university of sunny area medium, of bank of the Henan that understand benefit " photograph contain " , "Photograph contain " it is me those who love my home banner to fall is long rent apartment. A staff member introduces, hundreds of buildings of this apartment already all rented end, do not have empty room at present, if need rents a house,need queues up September. This boarding house is average the price of two bedrooms is 8000 yuan every months, standardization is decorated, besides the television, everything needed is ready of freezer, washing machine, air conditioning, basement has the form a complete set such as cafe, gym, renting a settle or live in a strange place is the white-collar that the country goes to work near trade mostly.
As we have learned, "Photograph contain " it is OK to hire a guest to divide besides the rent terms of payment that chooses a tradition, also can choose credit to hire room product. This product is rolled out by collaboration of commander of photograph contain and sesame seed credence, room. Can pass instalment of sesame seed credence, sesame seed credence divides 700 minutes of above to avoid cash pledge, 700 minutes of the following detain pay one, 5.8% what serve cost to be lunar hire in installment. But tenement if midway is retreated hire, need to pay the penalty due to breach of contract that rent a house not only, still need to pay in installment penalty due to breach of contract, the relevant provision that presses loan contract pays a room commanding officer.
Freely
Have white, in installment 3 kinds of terms of payment such as loan
A door store manager of catenary home tells north blueness signs up for a reporter, hire a room to have 3 kinds of terms of payment through what freely APP platform deals with, it is respectively online pay, freely is white, freely guest is enjoyed only in installment, do not importune tenement to must be chosen among them some kind of terms of payment. On the contract of a freely that boreal blueness signs up for a reporter to obtain " the contract explains " the account in the clause: "Party B (tenement) if choice freely is white a terms of payment, criterion the terms of payment of Party B and Beijing east sign " credit pays (freely is white) pay an agreement " to allow, if Party B chooses to freely the guest is enjoyed only in installment terms of payment, criterion the contract is related the loan that the terms of payment of Party B signs with Party B and lender accurate. Criterion the contract is related the loan that the terms of payment of Party B signs with Party B and lender accurate..
Freely official net introduces, freely is the consumption renting a house that the chummage month that makes to sign tenement of about 1 year pays in installment in installment loan product, in installment poundage is led 6.27% , in all 11 period. 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. Everybody can sign about 3 sheet to freely the guest is enjoyed only only at most in installment.
Use freely in installment user, head pay compose to become " lunar chummage + the service after the month is folded is expended + cash pledge " ; Sequel pays every months " that month chummage + the service is expended that month + poundage " ; Enjoy annual to serve cost additionally 7 fold, the service expends cent in December. The new label that hires 5000 yuan with the month makes an appointment with an user to be exemple, use freely in installment, lunar hire 5000, year service fee is 4200 yuan, head pay it is 10350 yuan, after this pays every months 5685.44 yuan, one year lease pays in all 72889.84 yuan; The lunar rent that average month pays is 5000 yuan, year the service expends 6300 yuan, head pay need 16800 yuan, after this pays 5250 yuan every months, one year lease pays in all 74500 yuan. Under photograph comparing, use freely borrows money in installment service, same month pays, one junior pay 1600 multivariate.
Chorion
In installment the month pays a product 0 accrual privilege
Introduce according to net of chorion house official, in installment the month pays a product 0 accrual privilege, want an autograph to make an appointment with source of chorion apartment room only, affirm through financial platform proof the letter is favorable, achieve legal loan age to be able to be used serve in installment. If client midway is retreated,hire, borrow money in installment the contract removes, the loan that did not happen need not the client is returned; Be like relet or change hire, former contract termination, the contract of new label signs application again in installment. Be like exceed the time limit, punish according to the formulary generation of financial orgnaization breath. Boreal blueness signs up for a reporter to understand, pass the tenement that orgnaization of tripartite finance borrows money, the interest of exceed the time limit is main it is daily extremely.
Recently, the tenement of many chorion apartment is mirrorred, the chummage that they publicize external " detain pays one " hiding however " hire is borrowed " . Some rent a settle or live in a strange place do not cooperate below autograph of know the inside story, can choose to accept the rent that loan agreement perhaps pays one year only. This year in May, media ever reported, because chorion apartment is publicized external chummage " detain pays one " solid for " chummage is borrowed " and suffer tenement complain. Chorion apartment is responded to say, in installment the month pays is to grow a when hire platform of apartment Internet operation common practice at present.
The article comes from Chinese net finance and economics
