Jia Gaoyang, a 26 year old young man who came to work in Shanghai, was inexplicably saddled with a consumer loan. Recently, the capital chain of Shanghai's long-term rental apartment enterprise "Apartment in Residence" has broken. Tenants like Jia Gaoyang have not only been driven away by the landlord, but also found themselves carrying loans.

According to the data of Shanghai Consumer Insurance Commission, the number of complaints about rental loans has soared this year, of which 52% are complaints about delayed return of deposit, and nearly 24% are complaints about induced tenants' loans. Some "rent loan" routines become consumption traps, and how to prevent related risks needs to be coordinated by the regulatory authorities.

Some rent loans "pie" become "traps"

Jiagaoyang rented a room through the apartment platform on August 10 this year. At that time, the "housekeeper" told him that the rent could be reduced from 1800 yuan to 1710 yuan per month if he chose to pay by monthly installments.

"The housekeeper helped me operate it. He downloaded and registered an app of 'Yuanbao e-Home' with my mobile phone, opened the bill installment function, bound the bank card, and then automatically deducted money every month. He also asked me to take photos with my ID card." Jia Gaoyang said that at that time he thought it was a procedure for renting apartments, but somehow he had a consumer loan on his back.

This Yuanbao e-home is actually an Internet information service company, and its role is similar to that of a loan aid institution. The fund provider is actually a consumer finance company, bank and other financial institutions. The one year rent loan of 18810 yuan for Shanxi merchants' consumer finance was actually "handled" in Jiagaoyang, and the so-called monthly rent payment was actually repayment. Through entrusted payment, Jinshang Consumer Finance Company paid 18810 yuan to Yujian Apartment in a lump sum.

The apartment and the owner of the house sign a long-term lease, pay the rent to the landlord in installments, and then sublease to the tenant. Then, through the cooperation of the third party company, the tenant is induced to handle the loan layer by layer by means of concealment, fraud, etc., and the tenant's loan is obtained at one time, so as to deposit a large amount of funds for re expansion.

This chain was broken after the apartment was poorly managed and the capital flow was broken. At the end of October, Jia Gaoyang was expelled by the landlord after the apartment lost contact.

"The landlord signed a 4-year lease with Yujian, which will expire at the end of the year, but the lease term between me and Yujian will expire in August next year, and the loan is also a one-year term." Jia Gaoyang realized that he had already fallen into a trap. Reporters and several tenants confirmed that similar situations occurred.

Difficulty in accountability for tenant victims

"I don't know what to do now. When the loan was granted to the apartment, I was asked to repay it. If I didn't repay it, it would cause credit stains." Jia Gaoyang was very depressed.

According to public information, apartment buildings have been distributed in Shanghai and East China, with 43 stores and more than 20000 houses. It can be seen that there are many tenants involved.

Recently, the reporter kept contacting the relevant person in charge of Yujian Apartment, and no one answered the phone all the time. Go to the company's headquarters in Xuhui District, Shanghai, and find the door closed. Many tenants met by the reporter said that the apartment and the housekeeper had lost contact. A notice posted on the door said that the company had run poorly and had no funds to allocate.

The relevant person in charge of the Shanghai Consumer Protection Commission told reporters that since this year, there have been many complaints about the long-term rental apartments misleading consumers to make loans. Several companies were unable to pay the rent to the landlord due to the break in the capital chain, which led to some consumers who were still in the lease term not only being forced to return by the landlord, but also facing personal credit risk due to "being loaned". "There are many complaints about Yujian Apartment. We contacted Yujian Apartment to coordinate and deal with them. The other party initially said that they would find another company to take over, but they lost contact later."

How to prevent the risk of "rent loan"

Under the background of the swarming development of the long-term rental apartment platform company, many rental loans are obviously "biased". Since the second half of the year, Xi'an, Hangzhou, Shanghai, Chongqing and other places have successively issued documents to standardize the "rent loan" business.

At the end of September, five departments including Shanghai Municipal Commission of Housing and Urban Rural Development issued a notice on business specifications related to "rent loan", which required that enterprises should obtain the written consent of the original landlord in advance to cooperate in the individual "rent loan" business. They should not force or induce tenants to use the individual "rent loan", and should not collect deposits or set other conditions before signing the contract.

According to a reporter's investigation, in order to attract tenants to accept rent loans, in practice, long-term rental apartment operators usually use concealment, misleading and giving certain preferential treatment to induce tenants to handle installment loans.

For example, some operators will even bear part or all of the loan interest of tenants. This is the case with the consumer finance loan of Shanxi merchants "handled" by Jiagaoyang. To cover up the fact that it is a loan, the reporter saw that the loan handled by Jiagaoyang is "zero interest" and "zero service charge", and it does not show the word "loan", but only shows the installment business.

"When financial institutions provide funds, they may not be prudent enough in their loan review. After the accident, they also warned that long-term rental housing development should have an overall plan and suitable qualification subject." A person from the Shanghai Banking and Insurance Regulatory Bureau (preparatory) told reporters.

Ba Shusong, chief economist of the China Banking Association, believes that "rent loan" objectively forms a capital pool and term mismatch, which is highly leveraged and risky. However, from the regulatory policies that have been issued around the country, there is no unified regulatory regulation on housing lease credit business in China at present, and the requirements for rental loans issued by intermediaries and financial institutions are not clear, There is also a gap in the management of "rent loan" issued by the online loan platform. It is suggested that the relevant departments actively strengthen the system construction and make up for the regulatory weaknesses as soon as possible. (Reporter Wang Shujuan)

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