Breath out, everybody is good, here is leek institute, leek institute lets your second know finance!
I am the Ke Dajing of the person that guard of leek institute!
Hear Hangzhou grows hire apartment vessel home to go bankrupt recently, about 4000 tenement sufferred a loss. A lot of clients had been evicted to come by landlord, become destitute and homeless does not say, carried the loan of a suit on the back indescribably still, is this after all how one and the same? Let us say together!
Mode
01
Landlord the house mandatory gave vessel home to rent, vessel home was hired rent a settle or live in a strange place. And right now vessel home signs a letter with hiring the guest's individual, let them carry bank card, bind decide the name is 51 return APP, one-time paid vessel home rent.
And by hire a guest every months to return loan, vessel home acceptance runs a house and pay rent to house-owner on schedule, tenant should pay hire to go by the month only, can avoid according to credit even pay deposit, this mode has huge appeal to house-owner and tenant it seems that.
Say here " vessel home " , with the definition of commonly used word in the past, it is actually " sublessor " . Just sublessor earns price difference through relet before, the tenant in cannot giving this kind pattern avoids the favourable kind of cash pledge, also do not have this is approved now " middleman " dimensions big, reliability is high.
If mere and such, should say new " middleman " compare the past " sublessor " look more normative, it is a favour. But actually " sublessor " just relet earns price difference and new " middleman " those who play is capital run, cover a region quite deep.
With before " sublessor " different is, present " middleman " introduced " credit is borrowed " this new way. It is a product in order to rent business, undertake packing with financial tool, the product with elegant make it.
Then, rent a settle or live in a strange place happy, because detain pays,reduced a burden; Landlord is happy, house lease went, sit back and wait collects rent; Loan orgnaization is glad, wh whoever assumes this reimbursement, advantageous embellish can enter Zhang; Intermediary company is happy also, capital pool is bigger and bigger, capital is smooth.
This kind of mode looks be like flawless, but we are fine fine presumably, this is aeriform actually in, took up the cost of owner capital time.
If everything is perfect,do not have period perfect cash, do not have a problem naturally. But appear in certain link one man selects an issue, capital perhaps ruptures with respect to meeting occurrence insecurity. Can bring about so grow those who rent apartment to explode storehouse behavior. Just vessel home is the first him one or two plays bad length to hire apartment to stop.
Hire a guest to think they the rent that every month pays, but actually they are to returning loan. And middleman is actually from at the beginning, from put credit side took on the hand all the year round chummage.
Flaw
02
Be during this, capital inter can produce various effect in business hand. May expand e.g. them manage go taking a room, still may invest conduct financial transactions, but once discover the peril of little, for instance they are met divert capital, perhaps enter without new fund, they can produce Bao Lei's phenomenon naturally.
In other words, they press a month to pay rent to landlord without money, so the problem also arose. Natural somebody can ask here, if true middleman runs road perhaps produced Bao Lei, how should be that follow-up handled?
If I ruptured in capital of this moment middleman, or he has run road. He presses a month naturally to pay rent to landlord without method, that affirms in this moment landlord is to should receive a room to drive a person. But rent a settle or live in a strange place, hire a guest to still be being returned mortgage, every month is paying cash. Then his nature also is not willing, this moment contradiction arose.
Actually, be before early, actually this plants the times of sublessor the phenomenon is not rarely seen also, also be to pretty much landlord runs of the road. So in this moment, actually dimensions is not very big, fall victim crowd also is not very much. To renting a settle or live in a strange place character, be the loss counts a chummage of a month at most, or a bit cash pledge. So everybody also is indifferent to, but now this moment, when employing the advanced middleman of capital, this situation becomes different.
Although middleman took away chummage of years whole at the beginning, rent a settle or live in a strange place not be to paying rent on certain level, still borrowing money however. Actually, hire a guest to was evicted to come by landlord, but, put borrow a person or can borrow smooth department to come according to putting of gathering.
Although this is one when one rents a contract and cause is put lend a concern, but even if rents a contract to had disappeared, intermediary has run road, middleman has reached a fund and escaped, but also do not have method, because this law concerns, and bring about another law to concern to be absolved compulsorily.
So whether can tenant advocate, since I assumed the hire of annual, then I have authority to live to the termination of contract that rent, all losses should be assumed by your landlord?
Come up from law telling this train of thought is a mistake. Because tenant is not,rent a house to house-owner, rent a house to middleman however, chummage also is to give middleman, the renting relation of this relation that rent and house-owner and middleman is two legislation impact.
Middleman does not pay rent to house-owner, can bring about house-owner to authority removes to call in with the renting relation of middleman lawfully building. After middleman and house-owner rent a relation to remove, middleman lost rental qualification, after losing rental qualification when middleman, middleman rents a contract with what tenement signs, can't make sure tenement has authority to continue to use a building.
Actual
03
Of course, above is theoretic speculation and view. Actual condition, lodger nature is not willing to take away, he feels he still paid rent, so he also is one of victims, two discuss with sb face to face talk about or to talk things over solve this problem, or passes legal lawsuit. But just think, landlord should pass legal lawsuit, want a very lengthy process, next, the court can be accepted, can is according to actual condition take into consideration the circumstances handled?
We retreat 10 thousand paces to say again, the company of a small Hangzhou has 4000 victim, if be bigger more long-term intermediary company, can the victim is more, affect face can wider, can you have bigger social effect?
Law often has lag sex, resemble the operation of this kind of new capital middleman, if do not try normative word, so sure henceforth meeting has bigger worse thing to happen.
Leek classroom, then your second knows finance.
Below period adieu.
