Intermediary bundling network loan platform installment renting dark change loan

category:Internet
 Intermediary bundling network loan platform installment renting dark change loan


Tenant Shen Jian made a screenshot of the rent on the lending platform recommended by the intermediary, showing that it was overdue 16 days in April. In May 5th, the reporter visited Hao Yuan Heng Ye company, located in the store of Yizhuang Jing Kai Xin center, without any identification. Some tenants build up the right WeChat group to discuss the loan repayment problems they encounter. The official website of Beijing housing construction commission shows that Hao Park, Hengye and dream bear in the name of Wang Si Hui ranked the top in the complaints list last November. Speaking of the experience of black intermediary in renting in Beijing, some netizens joked that if they have not been cheated, they will not be mixed up in Beijing. In order to regulate the rental intermediary market, the Beijing Municipal Construction Commission and other departments have been severely combating the leasing market and damaging the interests of the masses. Many agencies have been investigated and dealt with illegal activities involving undocumented and withholding rents. In April this year, the two batches and 45 black intermediaries were announced. Name listu3002 Recently, according to the investigation of netizens complaints, the new Beijing News reporter found that in addition to the above common disorder, some rental agencies used a new net loan platform to conceal the net loan facts, and the rent of the tenants was induced by one pay one to realize the annual rent cash, and the loan tenant. Not only do we have to face the risk of intermediaries, but also because of overdue personal loans. One pay one change loan installment The monthly rent of a single bedroom is often several thousand yuan, which accounts for most of the expenses of many North drift which is not well off. Last November, Shen Jian saw a master bedroom with an area of 20 square meters. Before signing the contract, the intermediary told him that there were two ways of payment. One was to rent a one by one through the cooperation platform, and the other two was the conventional one to pay three. One pay three, which makes his work a lot of pressure, and the rent payment platform in the one pay one, for the hand is not enough of Shen Jian, the most cost-effective. Shen Jian chose the installment payment on the platform, and in accordance with the requirements of the intermediary, according to the necessary formalities, it took the photo of the ID card and submitted the bank card information on the payment platform Hui Ren loan provided by it. Intermediary did not say that this is actually a loan, just say that on the platform walk according to the process. Shen Jian said that he paid a months deposit and a months rent, and then he logged Hui man loan Fu Di for two months rent and found that he had a loan of 22000 yuan on the platform, which was the remaining eleven rent. At that time, I thought it was their companys own software, in order to facilitate tenants to pay rent. Shen Jian said, after that he learned that the reason why the intermediary recommends to the tenants to pay the net loan platform is because the tenants can get the remaining rent by letting the tenants unaware, and the tenants pay the loans to the platform every month. Customer loan customer service personnel also told Shen Jian, once overdue 15 days, not timely repayment, will affect personal credit and credit. Last December, Beijing Hao Yuan Hengye real estate brokerage Co., Ltd., a staff member found Shen Jiancheng, harmonious real estate has been acquired by Hao Yuan Hengye, need to sign a new contract. Shen Jian recalled that at that time, the staff asked him to sign a new contract and use a loan platform called Yuan Bao e home to make payment. At that time, the intermediary said that we should first bind the platform of e home , and then release the loan of Hui Ren loan . Shen Jian worried that the intermediary could not release the loan of beneficiary loan according to his promise, and refused. In one way and another, Shen Jianmeng gave birth to the idea of returning a house. The intermediary told him that after the check-out procedures were successful, the loan on the loan to benefit platform would be lifted within 20 working days. 17 days later, the intermediary finally helped Shen Jian to lift the loan, but it had already passed the latest repayment date of the loan platform. Shen Jian in the beneficiary loan platform staging details show that the April bill is overdue. No room to live and still have to repay the loan Although it has not yet been found whether the overdue time will enter personal credit records, Shen Jian decides that renting a house will not need the so-called installment platform. Shen Jians experience is not unique. Lu Qin (a pseudonym) also uses the platform payment, which leads to his dilemma of not having room to live but repayment. Lu Qins probationary salary is only 5800 yuan. When renting a house, the intermediary tells Lu Qin that he needs to pay one to pay three, that is to say, a one-time payment of 4 months rent is nearly 10000 yuan. In the process of finding a house, Lu Qin contacted Beijing Hao Yuan Hengye real estate brokerage Co., Ltd., a agency told Lu Qin, the use of the e home platform to pay one payment can greatly reduce the pressure of your house. After Lu Qin signed the contract, he paid the payment on schedule every month. But one day at the end of February this year, the landlord suddenly came to Lu Qin residence, and said Haoren Hengye did not pay the house money. He did not intend to give the house to the agency again, and let Lu Qin find his house again, and quickly moved away. Lu Qin, who had no room to live, came to the intermediary company to find out the claim. He immediately asked the agency to return the deposit and the remaining room charges, and to eliminate the loan records at the e home. A staff member told Lu Qin that 1 to 30 working days could be returned, but we must first move out of the house to discuss. In addition, the staff said that in accordance with the repayment agreement, check-out can be done, but the rent must be paid off next month, otherwise the land Qin will default. Open the Yuanbao e home platform to see, Lu Qin found that more than 15000 yuan still has not paid off the house, but he can only pay the money according to the intermediary requirements, I also expect to be able to buy a house in the old house. If I fail to repay the bill on time, it will be more harm than good if I fail to pay for my personal credit. In April this year, the agency issued a house refund agreement for Lu Qin and said he would return the money from Lu Qin to him, but as of April 28th, Lu Qin received a reporters interview and had not received a refund from the intermediary. More than 100 tenants build the WeChat group Shen Jian and Lu Qins renting experience involve the same intermediary company: Hao Yuan Heng Ye. In April 29th, the reporter contacted the intermediary of Hao Yuan Hengye on the basis of renting, and he said, we are now paying for one payment and one platform. This platform is the e house used by Lu Qin. The intermediary told reporters that Yuanbao e home is a rent staging platform with Ho Park Heng Ye co operation. This platform says plainly that you rent our annual rent to our intermediary company, and you return to the platform one month a month. You dont need to go out and bind your own bank card every month. The bank card balance is enough for one months rent, and there is no interest. Online enquiries about Hao Park Hengye, many complaints are related to the net loan platform. In the two name Hao Yuan Hengye contract breach of rights group, a total of more than 100 tenants to participate in the complaint, of which most tenants in the unknowable situation in the loan platform to deal with the payment by installments, the final face of non housing still need to pay, or want to return to the problem of timely unbinding. In the interview with reporters, more than 10 tenants also said they did not know that they were loans when they signed the platform. In addition to WeChats rights protection group, some tenants have also complained through other channels. Dog watching is a public number that provides information about rent and rental, and is committed to crack down on black intermediary and help tenants safeguard their rights. The founder, Beck, told reporters that from the second half of 2017, tenants used a loan platform to pay rent. The biggest one called Hao Yuan Hengye, they bought a lot of small intermediaries to convert all the previous ways of payment into third party loans. Beck told reporters that a total of 215 tenants have received complaints from the tenants in the two years, including 31 cases of Hao Yuan Hengye intermediary, the highest proportion of all the intermediaries who have been complained of. According to its backstage data, in the intermediary deception tactics option, 112 people chose to be forced to bind the loan platform by intermediaries. Housing construction commission has exposed Hao Yuan Hengye irregularities With so many complaints, Hao Park Heng Ye is also officially known as the list. Logon to the official website of the Beijing housing construction commission, it is found that in March 27th this year, Beijing Hao Yuan Hengye real estate brokerage Co., Ltd. appeared in the list of 30 illegal intermediaries exposed in Beijing city housing construction commission because of the existence of rent deposit, irregularities, undocumented and unregistered management. In addition, in February 2018 and November 2017, Hao Yuan Hengye was disaggregated first and third of the list of complaints, and the notes were marked with no record. Yesterday, reporters in the Construction Committee website query, it has not yet been filed. The registration data of industrial and commercial registration shows that Hao Yuan Hengye is registered as Beijing Hao Yuan Hengye real estate brokerage Limited, and the legal representative is Wang Si Hui, and its representative is dream bear (Beijing) Asset Management Co., Ltd., Beijing Mei Ao real estate broking Co., Ltd. and so on. Companies, many of them are real estate agencies. Relevant information shows that Hao Yuan Heng Ye has been prosecuted for two times because of contract dispute, and has been listed in the abnormal list of business operations many times. In June last year, Wang Si Huis dream bear Asset Management Co., Ltd., by buying other intermediary companies, asked tenants to sign a contract and bind the loan platform to pay the rent. By contrast, Hao park has the same business as dream big bear. Reporters visited the discovery, Hao garden Hengye three stores are not listed. In May 5th, the reporter contacted a staff member of Hao Yuan Hengye by the mobile phone number registered in the industrial and commercial information to find out the related complaints and solutions. In view of the delay in the lending platform, the staff said that there are many companies that have been acquired, and that there are many companies that have been bought and acquired by Hao Yuans e family. They all need to agree on the line from the line to the unbound. In the 7 working days, it is impossible to solve the problem. Only the user will finish the check-out procedure in a week. We cant solve this problem, unless we say someone cant pay the money. For other questions, the staff indicated that they needed to interview, and then hung up the phone. As the pay platform strongly recommended by the intermediary of Hao Yuan Heng industry, does the E company really have no interest as they say? This is not the case, according to the Yuan Bao e family staffs statement, is nothing more than the intermediary by raising the rent way, let the tenant feel interest free, say white wool out on the sheep. According to the companys introduction, Yuanbao e is the first domestic innovation to launch the rent installment business, and is committed to building a service family consumption financial service platform, involving a variety of consumption types, such as rent, decoration, travel and so on. Yuanbao E has two customers, namely, ordinary APP and merchant APP. In the ordinary APP, we can see that the main business of the platform is two types of rent installments and home decoration phases. In April 30th, the reporter contacted the e family in the name of an intermediary company. A staff member told reporters that if the journalists intermediary company has been operating for more than a year, more than 200 sets of housing sources can cooperate with the platform. According to its introduction, Yuanbao e home platform supports 2 to 11 installments of rent. Lets take one year for example, that is, pressure one pay twelve, then you charge one of the tenants on one side, the rest of the eleven phase is paid by us, that is to say you take 12 months rent, and the tenants return our money in installments. You can get the rent in advance, and then you can collect the room. For the intermediary no interest statement, Li staff said that the installment will certainly produce interest, different loans long, the interest is not equal, 2 to 4 period of interest is 4%, 5 to 6 is 5%, 7 to 11 is 6%. The staff said, as for who to bear the interest, it is between the intermediary and the tenant, many intermediary companies will raise the rent appropriate, and then add interest fees to the rent, by the tenant to bear, and intermediary through this means of operation, can also allow tenants to feel through the platform to pay rent is interest free. It goes without saying that wool comes out on sheep, whenever the tenant comes out. According to him, at the time of last year, the co - agency company was able to get a user for each e home for 100 yuan, and as the platform began to launch, since last December, it no longer returned to the intermediary company. When the reporter asked whether he had worked with his company, he said, yes, they are two families. Rent loans overdue and affect personal credit As for the cooperation model of intermediary companies and lending platforms, the founder Beck believes that intermediaries can acquire large amounts of funds to buy medium and small intermediaries through this model, and then let the acquired company tenants bind the lending platform and continue to expand their capital and scale, and the lending platform can also expand users to profit from interest. . This is a win-win mode for intermediaries and platforms, but all risks are passed on to vulnerable tenants. Beck said that Shen Jian and Lu Qins renting experience can well reflect the risks faced by the tenants in this mode: the monthly renting is a real period of repayment, which may lead to overdue and influence personal credit. For overdue issues, the staff of the e family told reporters that if the tenants pay the overdue payment, the platform will be one day, second days will contact the tenants, if the tenants still fail to repay the payment, then the intermediary companies need to cooperate with the money. Three days before the time of overdue, there is no deferred payment, but if there is no repayment in the fourth day, there will be 1/1000 interest per day as a late payment, and the tenant will also affect his own credit. In response to this situation, the reporter called the Bank of China loan department, a staff member said that the bank will be based on a comprehensive evaluation of credit records, if the query to the customer in the credit system network loans are not clear, to some extent will affect the approval of the loan. If the customer has only one issue, and the past credit record is good, it can still handle the loan business; but if the customer has two or three arrears, it can not handle the loan business basically. In addition, if the customer has bad credit record in the credit information system because of net loan, the floating interest rate will be raised appropriately, and the return to loan ratio will also be affected. An intermediary who has worked for many years said that with the rise of net loans, it is a big trend for the lending platform to intervene in the rental market. At present, many intermediaries have a cooperative network platform. Since it is the loan installment, at least let the tenants know that this is the loan, and the consequences and effects are understood. Misleading the use of credit software for fraud In the interview, the reporter found that many of the tenants who were misled to bind the lending platform did not know how to solve it. Most of them only hope that the intermediary companies can help themselves to tie up the lending platform at an early date. In the afternoon of May 4th, the reporter contacted the Beijing Municipal Construction Commission on the matter. A staff member reminded that the agency should pay attention to whether the intermediary company had relevant procedures and whether there was a record. Once the interests were found to be damaged, a 12345 hotline call, or a complaint at the governments official website, was used. The real estate agency misleads tenants to use loan software because of its false representation, which is a civil fraud. Wang Changqing attorney Wang Changqing, a lawyer of the law firm of Ze Yong, said that if the real estate agent used the illegal possession for the purpose of making up the facts, concealing the truth and obtaining the loan of the super rent period, the tenant still took responsibility for the loan after the housing expired and reached a certain amount, which could violate the criminal law and constitute a crime of fraud or contract fraud. It should be held that the tenant can ask the intermediary to compensate for the loss. Liu Changsong lawyer of mousse law firm also believes that if the intermediary company recommends the payment platform, it is not clear to the tenant to inform the loan software, which constitutes a fraud. The relationship of fraudulent loan contract has been established, but it can be revoked and revoked from the beginning. In view of the lending platform, Wang Changqing lawyer said that the lending platform is obliged to inform the tenant of risks and should not be held responsible for the relevant obligations. If the lender is aware of the fraud of the real estate agency, the tenant has the right to cancel the loan. If the lender is not aware of the fraudulent act of the real estate agency and brings losses to the tenant, the tenant may ask the real estate agency to bear the liability for compensation. Wang Changqing lawyers said that in such events, tenants generally have a certain fault, such as not carefully looking at the relevant content of the platform, the relevant documents or copies to the intermediary, and so may also take part of the adverse consequences. A12-A13 Edition / photo? Beijing News reporter? Liu Jingyu Intern? Lu Gong Jing? Chen Wanting: Source: Beijing News Editor: Bai Xin _NT4464 Liu Changsong lawyer of mousse law firm also believes that if the intermediary company recommends the payment platform, it is not clear to the tenant to inform the loan software, which constitutes a fraud. The relationship of fraudulent loan contract has been established, but it can be revoked and revoked from the beginning.