On August 20, long hired apartment domain to appear first explode storehouse case, hangzhou vessel home releases an announcement to say to bring about capital catenary to rupture because of managing not to be pooh-poohed, already suspended operation. And vessel home explodes the backside of the storehouse, what drag in goes out is the random elephant that hires room market finance to change cruel development, 4000 tenement retreat cash pledge not to have the door not only, and the net that still carries brushstroke high specified number on the back below unwitting circumstance is borrowed.
Since 2015, end the government came on stage from which multinomial the policy that urges development of the business that rent, long hire apartment emerge as the times require, greeted high speed a few years of development. According to whale accurate database is collected, up to on March 22, 2018, our country shares 223 parents to rent apartment relevant enterprise holds water, among them 121 enterprises had obtained financing, obtain cast rate be as high as 54.3% , total financing forehead amounts to 12.68 billion RMB.
Press operation mode classification, long hire apartment to be able to be divided roughly to focus type and dispersive style two kinds. Apartment of collect Chinese style is most with " " or " layer " for main unit, execute centralized management, operation business develops business and hotel setting to give priority to with estate, the berth contain with 10 thousand for instance subordinate divisions and platinum billows the nest interest small community with subordinate group; Dispersive type is long rent apartment, it is the disengaged room source on individual landlord hand for the most part, its operation business basically is with intermediary or sublessor build up, for instance freely banner leaves brand freely friendly home. Have additionally " distributing center type " apartment, area is centered relatively, but building property right still is dispersive, so its operation mode approachs dispersive type boarding house more.
Because center type to grow,renting apartment is whole commonly buy or whole bear hire, even by property of development business control oneself, operation business has stronger capital actual strength normally, use own reserves or oneself credit undertakes dilate, strong in outspread process and careful.
And the dilate of dispersive type apartment says to go up cruel. The capital actual strength because of business of operation of dispersive type apartment and credence are opposite weaker, normally so need pays higher cost to obtain outspread fund. And to pay higher financial cost, operation business or undertakes turning operation subtly in order to rise " level ground effect " , obtain higher hire excessive price to cover cost; Or needs ceaseless financing, ceaseless dilate, as long as capital shedding is ceaseless, perhaps can boil the cloud to open mist to come loose. And shrewder operation businessman, meet chummage of have the aid of is borrowed, landlord is borrowed etc financing tool will disperse or marry again cost and risk.
What is landlord is borrowed
Photograph comparing rents intermediary at traditional building, long rent apartment more be similar to sublessor. Long hire apartment operation business and landlord to sign a building to rent a contract, gain the access of the building, after trying to decorate or be transformed, undertake relet again. The personage inside course of study expresses, dispersive type apartment is control a house from individual landlord hand, relative to apartment of collect Chinese style the autograph restricts time the meeting is a bit briefer, it is commonly 5 years or so.
The personage inside course of study expresses to P2P information bureau, the cost expenses that rents apartment grows in dispersive type in, the cost that take a room has very large proportion. The cost taking a room of clear water room will be relatively a bit lower, but considering decorate charge, and of empty buy decorate cycle, the integrated cost that take a room is not low also. He points out, carry battalion commander rents apartment very tall to the requirement of capital, apartment of collect Chinese style needs 5-10 commonly year ability realizes gain, and dispersive type apartment also needs 3 years to control ability to realize management cash regurgitate commonly.
Want to extend the market, early days must have enough capital support, grow so hire apartment to release huge financing demand very quickly. According to statistic, issued China to grow from apartment of the magic square at the beginning of 2017 hire apartment domain the first ABS, up to on August 21, 2018, long hire apartment assets to support special plan to had achieved 11.
Besides, at present already much parent hires apartment to depend on the credit that hires a guest, precipitation hires a guest to borrow the fund that give to extend the market from financial orgnaization. Explode the vessel home of the storehouse is being used namely " hire is borrowed " the capital horse race of precipitation encircles the ground, media is in understanding to arrive from personage of vessel home interior, only 3 months, vessel home uses a net to borrowed gotten capital support to expand source of on 1000 flatlet.
Growing the landlord that hires apartment chain other one aspect of the matter, in growing the process that hires apartment finance to change, also do not have by oversight, there has been platform to design the loan product that is aimed at this group on market, this kinds of product is called normally landlord is borrowed.
So called landlord is borrowed, it is to point to with building lessor (building everybody) for borrower, it is the loan product of main reimbursement origin with hire income.
Some net borrows the landlord of platform to borrow product brief introduction to show, platform awards letter forehead to spend to borrower be receivable hire 8 to 30 times, can borrow at most 300 thousand. This landlord borrows a product still show in the specification, give a money house property needed to be whack that day and rental 3 months above. In the meantime, tenant needs and platform, borrower signs tripartite agreement, conventional hire infiltrates platform assigns account.
P2P information bureau borrows platform from this net relevant personnel department understands, landlord borrows product client to be recommended by apartment operation business normally, borrow for credit normally, product structure is relatively concise, the part of lender and borrower is clearer, it is the more high grade asset on P2P platform. Also what one part landlord borrows a product trade the structure is relatively a few more complex, can come true in order to keep the form of manage.
The one part landlord of its deal with borrows a product is through protecting manage to buy outright mode comes true. Landlord and long after hiring apartment operation business to sign rental contract, during the contract puts add, the hire inside is opposite is brushstroke for landlord receivable Zhang money, landlord to obtain circulating fund, undue hire receivable money makes over a net to borrow platform the banner falls or actual pilot protects grain company. Next, the company that maintain put in order bales one share creditor's rights sell finance the other those representing capital such as the orgnaization, maintain the liquidity of grain company in order to ensure.
This personnel still introduces, although " tiring-room is handled " way is endless and same, but the downstage experience of landlord client agrees basically. Landlord borrows conduction flow and hire to borrow likeness, but in process of examine and verify meeting and landlord call affirm, fulfill tell obligation, also control as far as possible at the same time the moral risk in asset process and operation venture are recommended in apartment operation business. Of course, when asset is relatively in short supply, below the strong demand of apartment operation business, this one flow may by " simplify " or elliptically.
In fact, the level that the room source competition between apartment operation business had reached to turn white-hot, if not " simplify flow " in order to promote an user the experience, apartment operation business and the P2P platform that cooperate with its, will lose market competition ability.
According to superintendency requirement, capital can be hit to the account of landlord according to the agreement directly, but can be in in the contract when conventional reimbursement, by grow the operation business that rents apartment for you reimbursement. And, once appear the phenomenon of building empty buy, the length that regards the first responsibility as the person hires apartment operation business to will give pay for sb and expect to be repaid later.
Nevertheless, at present this platform has fallen wore landlord to borrow a product, this personnel expresses is the concussion as a result of industry of near future P2P, bring about capital to carry in short supply, cannot satisfy the financing requirement of apartment operation business.
Is landlord borrowed also have a way?
Trade public figure points out, the issue that hire lends, in the final analysis is cannot monitoring capital flow direction, and once capital flow direction loses monitoring, create a district very easily, hire is borrowed such, landlord borrows Yi Ru this.
He points out, landlord borrows the likelihood that cover a region consist in 3 respects, it is exaggerated its capital actual strength and operation ability, stabilize redound to landlord acceptance, diddle landlord is trustful; The 2 know the inside story that are enroach on landlord counterpoise, exist in business conduction course revulsive or conceal, rental became loan; 3 it is to depend on landlord credence, pass P2P or other finance orgnaization is one-time obtain long term loan, pay rent in installment to landlord, use precipitation capital to undertake tall lever dilate.
Compare at renting a settle or live in a strange place, landlord has fixed assets to regard as already add a letter, still hire regards main reimbursement as origin, the reveal all the details that holds apartment operation business concurrently is affirmatory, get more easily the favour of financial orgnaization. And the credit aptitude with good landlord, be grown very easily also to hire apartment to use the sharp weapon to accumulate fund.
Borrow with hire like covering a region, want existence loan and hire to pay only between existence deadline fault matchs, so apartment operation business precipitates likely capital.
Will look on the products plan that a few landlord that understand at present from P2P information bureau borrow, although capital is much,turn into the account to landlord directly by P2P platform or financial orgnaization, but because of this business normally by long hire apartment operation dealer the staff member is online fall to be accepted for you, among them likelihood hidden morality risk and operation venture not allow to ignore.
In addition, because landlord borrows what use when reimbursement,be to hire a guest to perhaps grow the mode that generation of the person that lease apartment operation returns, height relies on the professional personal integrity of apartment operation business and operation ability, once appear,capital catenary ruptures, so, by who the loan of high specified number that landlord bears will be repaid?
