Supervision of commercial loans for stock houses

Long-term rental communities are trapped in centralized complaints, and housing loans exceed the regulatory ceiling. How should CCB's housing-related business be broken?

0030 10 Yang Yongjie

China Construction Bank (60 1939. SH) The layout of Rong Jian Jiayuan's house leasing business began on 20 17. At present, its comprehensive housing rental service has covered 96% of the country's prefecture-level and above administrative regions. Behind the large-scale expansion is the frequent complaints of Rong Jian homestead. Many users said that after the lease of their house in Rong Jian expired, they did not receive the deposit they had paid before.

On the other hand, CCB's personal housing loans account for more than the upper limit of centralized management of real estate loans, and it will face pressure to reduce related businesses in the future.

Failure to refund the deposit in time leads to centralized complaints.

According to the data, in 20 17, CCB began to lay out the housing leasing business; From 2065438 to 2008, CCB put forward three strategies of comprehensively promoting housing leasing, inclusive finance and financial technology, and established Jianxin Housing Service Co., Ltd. (hereinafter referred to as "Jianxin Housing"), the first domestic bank housing service company, in which Rong Jian Jiayuan is the housing leasing brand operated by the company.

CCB Housing is controlled by CCB Trust Co., Ltd. (hereinafter referred to as "CCB Trust"), which is a trust subsidiary controlled by CCB Investment in 2009. It is worth noting that the chairman of CCB Housing is also the general manager of the Housing Finance and Personal Credit Department of CCB.

Rongjiayuan rental platform is a long-term rental trading platform for branded apartments. The housing comes from the platform's self-operation, direct sales by brand developers or personal release, and the platform provides relevant financial services for participants in the transaction process. China Construction Bank's 202 1 semi-annual report shows that by the end of June, the comprehensive service platform for bank housing leasing has covered 96% of the administrative regions at or above the prefecture level in China, providing trading platforms for14,000 enterprises and 37 million individual landlords and tenants. More than/kloc-0,000 houses have been verified and more than 6 million contracts have been filed.

Xiao Chen (pseudonym) rented a house in a residential area in Tianjin on July 24th this year, and the rental platform was Rong Jian Home. At that time, the deposit paid by Chen was 1000 yuan. A month later, Xiao Chen's short-term lease expired. After the housekeeper and the staff checked that there was no problem, Xiao Chen refunded the rent.

* Screenshot of a chat between Chen Xiao and a domestic worker in Rong Jian provided by Xiao Chen.

* The user complained that Rong Jian Home did not refund the deposit, and the screenshot came from a black cat complaint.

"In the second case, if the contract does not stipulate the time for returning the deposit, referring to Article 733 of Zhongke Investment, the lessee shall return the leased property at the expiration of the lease term, and the lessor shall also return the deposit at the expiration of the lease term or the termination of the lease contract. If the lessor fails to return it, it shall immediately return the deposit and pay the capital occupation fee according to the above analysis. " Han added. According to the housing lease contract provided by the user, the lessee of Rong Jian Home belongs to the second case, and there is no time to return the deposit in the terms of the contract.

* Lease contract of Rong Jian house lessee provided by Xiao Chen.

Housing loans exceed the regulatory ceiling.

China Construction Bank is the first bank in China to issue personal housing mortgage loans. In recent years, CCB has made new attempts on housing issues, including finance. For tenants in Rong Jian, they can choose to pay the rent in one lump sum or apply for a "housing loan" from China Construction Bank. The tenant pays a small amount of rent first and the rest in installments, that is, "rental loan".

"Anju Loan" is the first personal housing rental loan product launched by Shenzhen Branch of China Construction Bank on 20 17. This product is distributed to individuals who meet the requirements and have long-term rental needs. The longest loan term is 10 year, and the maximum amount for a single household is10 million yuan.

According to the data of official website, Rongjian House not only provides individual housing lease loans, but also provides enterprise housing lease loans, that is, loans issued by China Construction Bank to companies engaged in housing lease business, which are used for the development and construction of rental housing, the purchase of rental housing, the payment of rent, the decoration of rental housing, the configuration of furniture and household appliances, and daily operations.

In terms of housing loans, CCB's relevant data also belong to the scope of exceeding the standard, and its personal housing loans have exceeded the regulatory "red line". On June 365438+February 3, 20201day, the Central Bank and the China Banking Regulatory Commission issued the Notice on Establishing the Management System for the Concentration of Real Estate Loans of Banking Financial Institutions (hereinafter referred to as the Notice), announcing that the concentration of bank real estate loans will be managed at different levels from June 30, 2026. China Construction Bank belongs to Grade I, and the upper limit of individual housing loan is 32.5%. By the end of June, the total loans and advances of CCB were 18. 1 1 trillion yuan, an increase of 7.87% over the end of last year. Among them, personal loans and advances amounted to 7.53 trillion yuan, an increase of 4.08% over the end of last year. Among the personal loans, the personal housing loan was 6. 1 1 trillion yuan, an increase of 4.72% compared with the end of last year, and the proportion dropped slightly to 33.72%, but it still exceeded the regulatory limit.

Related questions and answers: How about Jianxin Housing Service (Tianjin) Co., Ltd.? Jianxin Housing Service (Tianjin) Co., Ltd. is a limited liability company registered on 20 18-0 19, and its registered address is located at -4, Building 5, Minghai Center, south of Chongqing Road and west of Hulunbeier Road, Tianjin Pilot Free Trade Zone (Dongjiang Bonded Port Area).

Jianxin Housing Service (Tianjin) Co., Ltd. has a unified social credit code/registration number of 91118ma069t6c73, and is an enterprise legal person Xu Xiaojun. At present, the enterprise is in the state of opening.

The business scope of Jianxin Housing Service (Tianjin) Co., Ltd. is: housing rental service; Real estate brokerage services; Property management; Domestic service; Design and construction of architectural decoration engineering; Engaged in technical consultation, technology transfer, technology development and technical services in the field of Internet technology; Real estate information consultation. (Projects subject to approval according to law can only be operated after approval by relevant departments).

See more information and information of Jianxin Housing Service (Tianjin) Co., Ltd. through Aiqi.

Related questions and answers: What do you think of CCB's announcement that "renting a house can be loaned 1 10,000 yuan, and the interest rate is lower than buying a house"? Where there is loan business in any industry, banks will flow there, and the rental market is no exception. At present, China's long-term rental apartment market has broad prospects, which provides a sufficient foundation for the development of rental loans. According to the data released by China Real Estate Association, in 20 17, the annual rental scale of China's housing rental market was about10.3 trillion RMB, and the long-term rental apartments were only 64.8 billion, accounting for 5% of the market, far lower than 30% in the United States and 83% in Japan.

1. Compared with renting a house by loan, buying a house by loan can obtain the property right of the house.

Under the background that the operating profit of banks is not as good as before, it is also expected that banks will develop the rental loan market. Compared with the mortgage interest rate, the interest rate of rental loans is indeed lower, which is mainly related to their market attributes. The real estate industry plays an important role in the economic development of China. At present, there are many bubbles in housing prices, and interest rates should be at a high level. In addition, renting a house cannot be compared with buying a house. Buying a house and paying the mortgage will eventually lead to a house with property rights, while renting a house has nothing. If the rental loan interest rate is not low, how to attract tenants to apply for rental loans.

Having said that, some netizens may not know what a rental loan is. In fact, rental loan refers to the personal credit loan of the lessee to a third-party financial institution or bank. The organization pays the rent to the apartment operator for one year at a time, and the tenant can pay the rent on a monthly basis. The monthly rent paid to financial institutions is equivalent to repayment of loans.

2. Does the rental loan give birth to chaos in the rental market?

For many people who work hard in the city, renting a loan sounds useless. In fact, rental loans are mainly aimed at tenants with insufficient funds and don't want to give too much deposit. There are also some tenants who want to rent branded apartments. Therefore, these long-term rental apartments only provide rental loan models for tenants. However, at present, long-term rental apartments often provide interest-free services, that is, as long as tenants pay rent, interest will be paid by apartments to financial institutions.

At first glance, rental loans still have a positive effect, but recently a number of banks have announced the suspension of rental loans, such as China Construction Bank, Bank of Beijing and Ping An Bank. Why did the bank suddenly stop renting and lending? The reason is that there have been frequent chaos in the rental market in recent months: the capital chain of Hangzhou long-term rental apartment represented by Dingjia broke and declared bankruptcy; Rents in many cities including Beijing and Shenzhen have risen sharply; The "Formaldehyde Gate" incident happened in an apartment ..... Against this background, the government cracked down hard and the rent loan was forced to enter a "frozen period".

3. Long-term rental apartments use rental loans to rob the rental market.

Renting loan was originally a financial tool beneficial to tenants, but due to human factors, it has become a "sharp weapon" to promote chaos in the rental market. Generally speaking, the operators of long-term rental apartments sign one-to-one contracts with tenants, and the landlords sign quarterly payment contracts, which means that the operators of long-term rental apartments will have nearly ten months' rent precipitation for each rental loan business. As a result, some brand apartments desperately compete for the housing market through these capital flows, resulting in a sharp rise in rental prices in the short term, and even thunderstorms.

Wei Yongfeng, then chairman of Dingjia, a long-term rental apartment in Hangzhou, said in an interview that after Dingjia had a large amount of deposited funds, the company repossessed the building too aggressively, the repossession price became higher, and the vacancy rate increased, which dragged down the company.

Generally speaking, there is no right or wrong rent loan, which can be used in the rental market with imperfect system, and it is easy to have problems. For rental loans, many people in the industry are not optimistic, thinking that the profit margin is too thin, unless the housing is monopolized, it will be profitable to raise the rent. But in this way, it will not block the life path of urban migrant workers. Can everyone agree?