The so-called "rental loan" means that tenants sign loan contracts with financial institutions that cooperate with long-term rental apartment enterprises. Generally, the financial institution pays the annual rent for the tenant, and the tenant pays off the rental loan to the financial institution on a monthly basis, and the corresponding loan interest is generally paid by the long-term rental apartment enterprise.
The rent loan model seems convenient, but the tenant bears the risk that the loan funds are misappropriated by the service provider without knowing it. Some service providers promise tenants "one for one". Compared with the common "one for three" or "one for six", "one for one" is more attractive to tenants.
However, in practice, the service provider handled the "rent loan" service for the tenant without the tenant's knowledge or adequate risk warning, which was deceptive and fraudulent.
Extended data
Both residents and landlords are at risk of losing money, which may easily lead to disputes over lease contracts. Once the long-term rental apartment intermediary service provider's capital chain is broken, closed down or maliciously runs away, the tenant will lose the deposit and prepaid rent, and the rent loss that the landlord has not received will be borne by the landlord himself or the tenant.
At the same time, the lessee still needs to continue to pay the loan principal and interest to the lending institution. The tenant paid the rent, but the landlord couldn't collect it. The tenant asked to continue renting, and the landlord asked the tenant to check out. Disputes are likely to arise between the two parties on whether to continue to perform the lease contract.
Tenants were not clearly aware of this risk when signing the house lease contract and handling the "rent loan", and service providers failed to fulfill their obligation to inform in order to develop their business and expand their scale.
What does rental loan mean?
Now, whether buying a house or renting a house, the price is not cheap, especially in first-tier cities, and the price is so expensive that people can't breathe. Now renting a house, many tenants will take the practice of renting a loan to ease the pressure of life. So what is the meaning of rent loan and how to identify the trap of rent loan? Let's get to know it together!
What does rental loan mean?
1. The so-called rent loan means that the tenant borrows from the bank to rent a house for one year, and then the tenant needs to repay the loan to the bank on a monthly basis. At present, most landlords require to pay the rent quarterly or annually, which is a great expense. Therefore, for tenants with low income or housing difficulties, it is very cost-effective to use rent loans, which can alleviate a lot of pressure on them.
In fact, the interest rate of rent loan is lower than that of housing loan. According to the personal loan benchmark interest rate, the rental loan is 4.35% for 1 year, 4.75% for 1-5 years and 4.9% for more than 5 years. The maximum loan for renting a house by CCB is 654.38+0 million, and the longest term is 654.38+00 years. This is to develop the long-term rental market.
How to identify the trap of rent loan
Many friends are inexperienced in rent loans and are often cheated, so everyone must master some identification skills:
1. Read the contents of the loan contract carefully when signing the contract, and pay attention to whether the loan contract is signed when signing the rental contract.
Before the loan, you should calculate the amount you need to pay each month in advance, and then compare whether the amount you pay is the same as the actual rent. If the cost will be much higher, it means there is a problem. Don't be cheated.
3. When you rent a house, see if the other party asks you to pay the rent through the APP. If this happens, there may be some traps in renting loans.
Bian Xiao concluded: The above is about what is the meaning of rent loan and how to identify the trap of rent loan. I hope it will help everyone! Rent loan is really beneficial to tenants, but we should also learn to identify whether there are traps and avoid being cheated.
What are the common routines for renting a house?
There are many ways to rent a house, first of all, from the way you choose to rent a house. At present, most of the rental houses are rented through various rental platforms and second-hand houses. It is not easy to find a landlord to rent a house. Most of them are intermediaries, second landlords and rental platforms. First of all, from the way of renting, many tenants require to use the designated software to pay the rent on a monthly basis after signing a contract with the rental platform, but in fact, the platform uses the tenant's identity information to make online loans for them, and then you think it is to pay the rent on a monthly basis. In fact, it is a monthly repayment on the online loan platform, and there are cases where the tenant information is used to handle the loan tx.
Situation. There are many second landlords who actually have no right to control the house, and there are also many tenants who rent their own houses. They saw that their contract time was running out, so they tricked someone into taking over. In fact, the so-called landlord you met may not be at all, just to make black-hearted money before selling, so they cheated you into it and charged you a deposit for half a year. Suddenly, another person told you that he was the real one. There is also the case of renting more than one room, that is, renting the house in advance to multiple people at the same time, and then collecting the rent and deposit in advance. There are still many people who realize the contract information they signed after signing the contract, and don't seriously look at some rental contracts at all. It takes a whole year to sign them. If you want to move out halfway, you still have to pay the rent or ask for a penalty. Also, we must be optimistic about the wear and tear of various electrical appliances in the house before renting. It is stipulated in the contract that some tenants will return the house to the landlord after the house expires, but the landlord will find an excuse to say that the deposit cannot be refunded because the house is damaged somewhere.
I need money badly. An intermediary said that lending the house in my name can get hundreds of thousands. Is it reliable?
This kind of loan method, because it is suspected of fraudulently packaging loans, and there will be high intermediary fees, many people can't repay in the end, making their personal credit information a black household and carrying a debt. This way is not reliable.
With the development of economy, people will involve loans in their daily lives. Many people need money badly, but they don't meet the requirements of banks. They can only find some intermediaries, but many intermediaries are liars. They just want to make money from it, regardless of the customer's situation. Eventually, customers will be heavily in debt, which will affect their lives.
First, the qualification of packaging loans is suspected of fraudulent loans, and there will be various risks.
When people need money in their daily lives, they usually borrow from formal financial institutions, but formal institutional loans require personal qualifications. Some people can't borrow money from financial institutions without real estate license, so they can only find personal intermediary. In order to make money, these personal intermediaries will try their best to package loan customers and transfer the property to personal names. They are suspected of lending and have violated relevant laws. So it is best not to adopt this method, otherwise they will take great risks.
Second, the intermediary charges are expensive, and the inability to repay will affect personal credit information.
Intermediaries take the form of packaging customers and borrow a lot from banks. Although individuals have alleviated their urgent needs, they need to pay a high intermediary fee to the intermediary. Moreover, this kind of loan is a short-term loan. Once customers are unable to repay, they will bear huge loans, personal credit information will be affected, and their lives will be greatly affected.
Third, don't trust personal intermediaries. Loans need to go to formal institutions.
When people need large loans, it is best to go to formal institutions for loans, so that they will not bear huge interest and risks. Financial intermediaries in the market are all for making money. They won't cheat loans from banks through various operations based on the actual situation of customers, so they won't take care of lenders, which will affect personal credit information and make borrowers bear debts for a long time.
Personal loans should not be trusted by such financial intermediaries, but should be lent to formal institutions. If you have other views on this, please leave a message for discussion.