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倒闭、爆料、加杠杆,长租公寓模式背后的“资本狂欢”

来源: 南方日报网络版     时间: 2019年09月17日 10:40:45
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(租)(客)(租)(房)(时)(,除)(了)(合)(约)(,还)(会)(被)(默)(认)(签)(署)(一)(个)(内)(嵌)(的)(,与)(银)(行)(/第)(三)(方)(机)(构)(的)(“现)(金)(贷)(”合)(同)(;
银)(行)(/第)(三)(方)(机)(构)(会)(将)(2年)(共)(计)(7.2万)(元)(租)(金)(全)(部)(打)(到)(公)(寓)(方)(账)(上)(;
租)(客)(每)(个)(月)(交)(房)(租)(与)(“服)(务)(费)(”,实)(际)(上)(是)(为)(自)(己)(“还)(贷)(”,还)(银)(行)(的)(现)(金)(贷)(;
公)(寓)(方)(拿)(着)(一)(次)(性)(到)(账)(的)(7.2万)(元)(,一)(部)(分)(分)(月)(打)(给)(房)(东)(作)(为)(租)(金)(,剩)(余)(继)(继)(续)(在)(市)(面)(上)(拿)(房)(。
这)(就)(相)(当)(于)(租)(客)(毫)(不)(知)(情)(就)(签)(了)(分)(期)(贷)(款)(合)(同)(。很)(少)(有)(人)(会)(提)(醒)(租)(客)(这)(其)(中)(的)(风)(险)(:一)(旦)(房)(子)(有)(问)(题)(或)(者)(需)(要)(转)(租)(、退)(租)(,会)(不)(会)(有)(麻)(烦)(?
更)(严)(重)(的)(是)(,一)(旦)(公)(寓)(房)(因)(大)(规)(模)(拿)(房)(出)(现)(了)(资)(金)(链)(断)(裂)(,破)(产)(或)(者)(跑)(路)(,那)(么)(租)(客)(身)(上)(还)(背)(着)(“合)(同)(”,还)(需)(要)(继)(续)(还)(款)(。
如)(果)(出)(现)(大)(规)(模)(无)(法)(还)(款)(的)(情)(况)(,将)(引)(发)(系)(统)(性)(风)(险)(——这)(就)(是)(胡)(景)(晖)(所)(说)(的)(“长)(租)(公)(寓)(爆)(仓)(,一)(定)(比)(P2P爆)(雷)(更)(厉)(害)(”。
这)(使)(人)(想)(起)(了)(什)(么)(?美)(国)(金)(融)(危)(机)(的)(“房)(屋)(次)(级)(贷)(款)(”。
目)(前)(市)(面)(上)(,自)(如)(的)(专)(享)(分)(期)(付)(,蛋)(壳)(的)(押)(一)(付)(一)(等)(付)(款)(方)(式)(,都)(有)(类)(似)(的)(内)(嵌)(“现)(金)(贷)(”合)(同)(。有)(创)(始)(人)(在)(接)(受)(媒)(体)(采)(访)(时)(透)(露)(,与)(这)(些)(金)(融)(平)(台)(达)(成)(的)(合)(作)(,是)(长)(租)(公)(寓)(极)(其)(重)(要)(的)(资)(金)(来)(源)(之)(一)(。
那)(么)(,租)(客)(是)(否)(知)(道)(,自)(己)(每)(个)(月)(都)(在)(向)(金)(融)(公)(司)(支)(付)(利)(息)(呢)(?
邦)(哥)(在)(查)(阅)(了)(自)(如)(、蛋)(壳)(等)(相)(关)(合)(同)(后)(发)(现)(,合)(同)(内)(并)(无)(支)(付)(利)(息)(的)(相)(关)(内)(容)(。但)(这)(部)(分)(利)(息)(,很)(可)(能)(隐)(藏)(在)(了)(这)(些)(长)(租)(公)(寓)(的)(“服)(务)(费)(”之)(中)(。而)(且)(,通)(常)(在)(选)(择)(分)(期)(、或)(者)(押)(一)(付)(一)(这)(类)(付)(款)(方)(式)(时)(,公)(寓)(方)(给)(出)(的)(服)(务)(费)(标)(准)(,会)(相)(比)(半)(年)(付)(、年)(付)(高)(出)(一)(些)(。
当)(然)(了)(,高)(出)(的)(这)(部)(分)(服)(务)(费)(是)(否)(真)(的)(用)(于)(付)(息)(,我)(们)(不)(得)(而)(知)(。
网)(曝)(蛋)(壳)(公)(寓)(租)(房)(合)(同)(
“好)(”生)(意)(:自)(由)(抬)(价)(、“调)(配)(”房)(客)(
如)(果)(你)(在)(网)(上)(发)(布)(房)(屋)(出)(租)(的)(信)(息)(,最)(先)(找)(来)(的)(往)(往)(不)(是)(租)(客)(,而)(是)(闻)(风)(而)(动)(的)(中)(介)(。
以)(房)(东)(“老)(罗)(”为)(例)(,蛋)(壳)(公)(寓)(在)(谈)(及)(收)(房)(价)(格)(时)(,很)(干)(脆)(地)(提)(出)(了)(“加)(价)(”方)(案)(,甚)(至)(可)(以)(以)(高)(于)(市)(价)(超)(过)(15%的)(价)(格)(与)(他)(签)(约)(5年)(。
首)(先)(,长)(租)(公)(寓)(可)(以)(整)(套)(拿)(房)(,分)(户)(出)(租)(。
如)(果)(从)(房)(东)(手)(里)(拿)(到)(的)(价)(格)(是)(8500元)(/月)(,高)(于)(市)(价)(约)(10%。做)(了)(隔)(断)(改)(造)(后)(共)(计)(4户)(,租)(金)(从)(2700元)(/月)(-3400元)(/月)(不)(等)(。只)(要)(4个)(房)(间)(全)(部)(出)(租)(出)(去)(,自)(如)(每)(个)(月)(可)(以)(拿)(到)(12,250元)(的)(租)(金)(,依)(然)(足)(以)(覆)(盖)(成)(本)(。
然)(后)(,这)(些)(长)(租)(公)(寓)(支)(付)(给)(房)(东)(的)(并)(不)(是)(全)(年)(12个)(月)(的)(房)(租)(,而)(是)(每)(年)(支)(付)(10个)(月)(或)(11个)(月)(,剩)(下)(时)(间)(作)(为)(空)(置)(期)(。因)(此)(空)(置)(期)(越)(短)(,自)(如)(就)(赚)(得)(越)(多)(。
再)(次)(,自)(如)(、蛋)(壳)(等)(长)(租)(公)(寓)(宣)(称)(不)(收)(取)(中)(介)(费)(,但)(却)(收)(取)(房)(租)(的)(8%-10%作)(为)(服)(务)(费)(,实)(际)(计)(算)(后)(可)(能)(比)(传)(统)(中)(介)(的)(中)(介)(费)(更)(贵)(。据)(一)(些)(长)(租)(公)(寓)(的)(“管)(家)(”透)(露)(,其)(实)(相)(应)(服)(务)(的)(成)(本)(很)(低)(,因)(此)(是)(一)(个)(不)(小)(的)(利)(润)(点)(。
这)(样)(的)(模)(式)(下)(,主)(动)(权)(就)(握)(在)(了)(长)(租)(公)(寓)(手)(中)(。
在)(房)(东)(老)(罗)(之)(后)(,邦)(哥)(又)(走)(访)(了)(租)(客)(小)(高)(。
2016年)(的)(续)(约)(期)(,“管)(家)(”声)(称)(合)(约)(到)(期)(,房)(东)(选)(择)(不)(再)(续)(约)(,要)(她)(搬)(家)(。然)(而)(小)(高)(搬)(离)(后)(却)(发)(现)(,该)(房)(间)(以)(高)(于)(她)(原)(来)(房)(租)(800元)(的)(价)(格)(被)(重)(新)(出)(租)(。
2017第)(二)(套)(房)(子)(也)(到)(了)(续)(约)(期)(,管)(家)(一)(涨)(就)(是)(900元)(。小)(高)(自)(认)(无)(法)(承)(受)(而)(搬)(家)(。但)(在)(与)(曾)(经)(的)(室)(友)(交)(流)(时)(却)(得)(知)(,最)(终)(续)(约)(时)(房)(租)(仅)(仅)(上)(涨)(了)(150元)(。
这)(便)(能)(解)(释)(长)(租)(公)(寓)(的)(模)(式)(了)(:租)(金)(越)(高)(,提)(成)(越)(高)(,促)(使)(管)(家)(“赶)(走)(旧)(租)(户)(”。在)(深)(入)(采)(访)(了)(房)(东)(、租)(客)(,以)(及)(最)(基)(层)(的)(从)(业)(者)(之)(后)(,邦)(哥)(发)(现)(,长)(租)(公)(寓)(虽)(然)(有)(很)(明)(确)(的)(一)(些)(利)(润)(点)(,但)(毛)(利)(的)(确)(不)(高)(。红)(璞)(公)(寓)(总)(经)(理)(甘)(伟)(就)(曾)(公)(开)(表)(示)(,公)(寓)(的)(底)(租)(成)(本)(占)(总)(成)(本)(的)(55%~60%,租)(金)(差)(为)(1.6~1.7倍)(,还)(需)(每)(年)(摊)(销)(15%~20%的)(装)(修)(成)(本)(,以)(及)(人)(工)(等)(成)(本)(,“除)(非)(房)(租)(大)(幅)(上)(涨)(,否)(则)(的)(确)(很)(难)(盈)(利)(”。
如)(果)(进)(一)(步)(考)(虑)(最)(初)(“拿)(房)(”的)(钱)(是)(来)(自)(于)(银)(行)(贷)(款)(,那)(么)(以)(4.9%的)(银)(行)(基)(准)(利)(率)(来)(计)(算)(,长)(租)(公)(寓)(的)(利)(润)(率)(的)(确)(会)(进)(一)(步)(下)(降)(。
但)(是)(回)(到)(一)(系)(列)(爆)(料)(的)(背)(后)(,长)(租)(公)(寓)(正)(在)(成)(为)(金)(融)(产)(品)(的)(附)(属)(。
写)(在)(最)(后)(
长)(租)(公)(寓)(这)(些)(背)(后)(的)(操)(作)(,用)(更)(“经)(济)(学)(”一)(点)(的)(话)(说)(,是)(在)(对)(产)(业)(加)(杠)(杆)(、进)(行)(金)(融)(化)(。从)(这)(个)(角)(度)(来)(说)(,长)(租)(公)(寓)(与)(P2P、区)(块)(链)(、共)(享)(单)(车)(的)(处)(境)(,确)(实)(有)(一)(些)(共)(通)(之)(处)(。
而)(另)(一)(方)(面)(,因)(为)(是)(房)(地)(产)(这)(个)(与)(所)(有)(国)(民)(息)(息)(相)(关)(的)(产)(业)(,其)(所)(能)(造)(成)(的)(金)(融)(风)(险)(,乃)(至)(社)(会)(风)(险)(,都)(远)(远)(高)(于)(其)(他)(更)(前)(沿)(垂)(直)(的)(产)(业)(。
自)(如)(今)(日)(表)(态)(的)(“坚)(决)(整)(改)(”,只)(是)(一)(个)(开)(始)(。中)(国)(租)(售)(比)(的)(过)(高)(,或)(许)(不)(是)(因)(为)(“租)(金)(还)(低)(”,而)(是)(因)(为)(“房)(价)(过)(高)(”,市)(场)(仍)(然)(需)(要)(规)(范)(,才)(能)(有)(健)(康)(、可)(持)(续)(的)(发)(展)(。
潘)(石)(屹)(说)(,赚)(钱)(的)(事)(情)(去)(做)(,不)(赚)(钱)(的)(事)(情)(别)(去)(做)(,烧)(钱)(创)(业)(是)(一)(条)(不)(归)(路)(。
但)(如)(果)(在)(做)(企)(业)(的)(路)(上)(一)(味)(逐)(利)(,铤)(而)(走)(险)(,前)(方)(恐)(怕)(也)(是)(一)(条)(不)(归)(路)(。返)(回)(搜)(狐)(,查)(看)(更)(多)(
责)(任)(编)(辑)(:
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