Augment capital not merely hire borrows: Chorion apartment is numerous prepare ABS more than 10 times collect endowment exceeds 200 million
The comment that hires apartment to push tall chummage about growing is bubbling with noise. Among them, what suffer outside doubt fully is, apartment of freely, chorion long hire apartment operation business to borrow the credit that hires a guest by whole to endorse for him augment capital, grow the operation business that rents apartment to be temptation with high price after gaining enough sth used to one's own advantage namely, the lot falls more landlord, the market share that grabs more greatly, subsequently and those who come is chummage rise.
It is with chorion apartment exemple, in 3 years when hold water in its, chorion apartment used means of several kinds of financing, already passed financing 2 rounds this year, financing forehead amounts to 170 million dollar. Besides, " daily economy news " the reporter notices, chorion apartment ever still was passed numerous chip, hire is borrowed, the means augment capital such as ABS.
For instance, the near future issues " day wind - chorion apartment is fiducial be benefited authority assets supports special plan " , should plan total dimensions 203.5 million yuan, cent is mixed for first step sub two kinds of asset support negotiable securities, among them dimensions of first step collect is 185 million yuan; Sub collect dimensions is 18.5 million yuan.
Hold water 3 years to seek numerous prepare financing more than 10 times
Chorion apartment serves as have representative Internet to grow hire apartment operation dealer, hold water at the beginning of 2015, belong to enter earlier grow the apartment of one old brand that rents house market, product configuration is covered close hire apartment, whole hire apartment to wait, the intent satisfies city the living demand of young white-collar diversity. Current, already entered 8 ground markets of Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou, Tianjin, Wuhan, Nanjing, management exceeds 170 thousand apartment. And house of the chorion two years ago shows when the way develops, the apartment that its are in Beijing area only 5000.
" daily economy news " reporter from Beijing limited company of technology of numerous network preparing a guest (the following abbreviation is numerous prepare a guest) date of public of official small letter understands, the chorion apartment 2016 ever had issued more than 10 asset to wrap financing in numerous platform preparing a guest, numerous prepare amount to differ to hundred thousands of yuan from tens of thousands of yuan, asset bag all is formed by the 10 apartment assets of identical hold deadline. Numerous prepare asset to basically comprise by 3 parts: Apartment assembles cost, basically be cost of hard outfit, furniture, home appliance, soft outfit; The hire that start, 3 months that pay landlord for the first time start fund; Landlord cash pledge, 1~2 building cash pledge of the month, the fact after expiring closes solid retreat. Accrual respect, share out bonus by the month, the lunar profit that includes as to specific chorion capital fund is formed, it is income of only month hire deducts the month that pays landlord to hire and building monthly maintains cost. Chorion apartment acts in the road at that time in express, chorion apartment uses detain to pay the means of 3 to pay commonly landlord. From this, numerous prepare financing to wrap a ready money that next anticipation to be flowed into completely with asset namely will get financing, regard a bridal chamber as the starting capital of the source.
With chorion apartment 12 packets are exemple, numerous platform preparing a guest expresses when recommending this project, this asset is wrapped in all 10 apartment 34, the deadline that rent is 5 years, total investment is seven hundred and fifty-four thousand two hundred and thirty yuan, investor is contributive 570 thousand yuan, what occupy accrual to counterpoise 62% , project square (namely violet phoenix tree (Beijing) asset management limited company, main body of chorion apartment operation) contributive add operation and government one hundred and eighty-four thousand two hundred and thirty yuan, what occupy accrual to counterpoise for 38% , this asset wraps anticipation of the first year year net profit is two hundred and ninety-eight thousand nine hundred and twenty yuan. Chorion apartment acts in the road in express, hire income is 2300 yuan of ~2500 on average at that time yuan / . So, according to to landlord detain one Fu San's means pays, 12 packets financing forehead can start chorion boarding house tens of covering bridal chamber source.
Perform memoir according to the road of apartment of the chorion on numerous platform preparing a guest, chen Zong of chief of intelligence of chorion apartment business is a high income that introduced asset package 11 packets with the chorion apartment that issueing, chen Zong expresses at that time, chorion apartment is 10 11 packets 5 years period apartment, draft numerous prepare amount 63800 yuan, predict overall yield 5 years 200% above, year return rate is in 40% the left and right sides, in the meantime, the profit that chorion apartment can go to 11 packets of lease before this gives investor when sharing out bonus first.
Chorion apartment Chen Zong still acts in afore-mentioned roads in to the accrual of chorion apartment growth strategy undertakes introductory, chen Zong expresses, to hiring room market character, have two main component, it is to get room source; 2 it is according to the room the source gets profit. The 1st year chorion apartment presses source of room of market of loot of gain of as usual plan, loot price counterpoises. The 2nd year, begin to enlarge profit difference, results chummage increases extra dividend. Chen Zong parts fine garden mixes above ground new Pan Rongze found a state village of village of door overseas Chinese is exemple undertake an analysis, the 2nd year the market of two ground rises amount to respectively 17% , 20% .
Borrow the credence that rent a settle or live in a strange place to seek capital lever
In numerous prepare mode besides, hire borrows the mode that also is expansion of a kind of capital.
" daily economy news " the reporter sees in chorion apartment APP, it is for 3190 yuan some building with lunar hire exemple, main component is payment year pay, half an year pays, in installment the month pays 3 kinds, 3 kinds of means besides wanting to pay the rent of the cash pledge that waits for the forehead and corresponding deadline, pay corresponding service fee and maintenance gold even. The service below 3 kinds of payment is expended and maintenance gold is 649 yuan respectively / year, 2525 yuan / year, 3061 yuan / year. Will look with this, year pay most be to one's profit, but want paid 13 months hire, pressure is greater, half an year pays want paid 7 months hire. Notable is, the service fee that half an year pays and upkeep not with in installment lunar Fu La opens too big difference.
As to in installment the month pays, chorion apartment APP introduces, the hire that this payment hires guest and orgnaization of tripartite finance to deal with for chorion apartment assistance in installment hire loan serves, in installment accrual and poundage are assumed by chorion apartment. In installment the month pays an user to be over first months in pay after chummage, in what appoint in installment platform agrees according to platform reimbursement. According to xinhua net the report before this, chorion boarding house is current already with allow to bought a company to undertake business cooperates paying in installment consumptive finance.
Some chorion apartment stewards to " daily economy news " the reporter expresses, hire a guest to be able to choose a month to pay in installment mode, after signing a building to rent a contract, the financial firm that cooperates with chorion apartment even signs loan contract, the guest is hired to pay by the month later financial firm, chummage of a year already paid chorion actually boarding house, the financial orgnaization that cooperates at present has meeting flower in installment, small numerous bank, the meeting is beautiful in installment, allow to buy a company already out of service, the reason is they do not have money. Pay the way of 3 to landlord detain according to chorion apartment, financing appears during this precipitation is wrong the possibility that match.
Chorion apartment author holds CEO Gao Jing concurrently ever expressed before this, prospective half an year, chorion apartment will quicken the pace of development market, rapid layout cities of more new a gleam of, and the target that this year implementation of the end of the year runs 300 thousand boarding house.
Finish financing ABS two rounds to already issued even more 200 million yuan
Net of chorion house official shows, this year, chorion apartment already was finished two rounds aggregate the financing of 170 million dollar. In addition, according to the country grand attorney office government-owned net announcement, chorion apartment still was established successfully in August " day wind - chorion apartment is fiducial be benefited authority assets supports special plan " , total dimensions of plan collect capital 203.5 million yuan, already obtained those who hand in place to issue to hang out one's shingle at present make over consentient case. Make public information to show, this asset supports the person of primitive rights and interests of special plan to be chorion apartment. This asset supports the risk with special plan different basis, accrual and deadline feature, cent is mixed for first step sub two kinds of asset support negotiable securities, among them dimensions of first step collect is 185 million yuan; Sub collect dimensions is 18.5 million yuan.
A financial trade public figure tells " daily economy news " reporter, ABS can increase chorion to wait really grow the capital lever that rents apartment, and theoretic, add lever to come through ABS the game of outspread dimensions can go down continuously all the time. But in be being operated actually, ABS regards a kind of normative finance as the product, its are whole issue flow to involve the certificate business, fiducial, grade, participation that adds the orgnaization such as letter, bourse, and these orgnaizations will be right level of the aptitude of publisher, lever and operation venture undertake assessment, accordingly, the scope that increases lever can get actually very big restrict.
The capital precipitation that in be being borrowed to renting consumption, exists and deadline fault compound a problem, couplet fund analysis says in, the proposal ensures deadline of contract of hire wholesale capture and loan time limit match; Next, must announce loan action adequately, must not pass guide painstakingly, conceal the method prevail on such as information to hire a guest to choose consumption to borrow; Additional, answer to control use consumption to borrow scale of wholesale capture chummage appropriately, can consider proportion of link up with of as net as its enterprise assets on one hand, it is behavior of an indebted financing after all, on the other hand OK also and proper control uses consumption to borrow the proportion that reachs chummage to take the full action that rent; Finally, superintend the use of wholesale capture hire appropriately, basically should use at advocate course of study is outspread, avoid divert risk. Of course, domestic bank governs function without account, any management mode have belong to capital of enterprise oneself freedom and the cash reserve in a bank that belong company own reserves not completely to manage a problem, capital quality and use superintendency are a challenge.
