Eggshell Weizhong bank loan is a small loan.

Weizhong Bank is the first private bank in China. It is initiated and controlled by many well-known enterprises such as Tencent, Baiyeyuan and Liye. Its main business is all kinds of folk "micro-loans", and the "micro-loans" on WeChat are the representative products of Weizhong Bank.

Weizhong Bank's income is amazing. According to the financial report data, the revenues in 20 17, 20 18 and 20 19 were 6.748 billion yuan, 10029 billion yuan and148.7 billion yuan respectively. The net profit was 65.438+0.448 billion yuan, 2.474 billion yuan and 3.95 billion yuan respectively, and the media reported that the annual tax payment was nearly 2 billion yuan.

Recently, a series of news such as the thunder of renting apartments for a long time and the collection of "micro-loan" profiteering have also pushed Weizhong Bank to the forefront.

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In fact, the thunderstorm in Danke apartment is not all caused by the epidemic. Since the beginning of this year, the epidemic has been a difficult test for all enterprises. In this test, the hidden financial risks that Danke Apartment has long buried have been completely exposed, starting from the business model of Danke Apartment.

Although under the banner of an Internet company, Danke Apartment plays the role of "second landlord" in the rental market. Different from ordinary second landlords, Danke apartment will decorate these houses in a unified way after receiving the house, and tenants often use a "rental loan" to pay the rent. Specifically, after the landlord handed over the house to Danke Apartment, Danke Apartment first transformed the house in a unified style and then rented it to the tenant; Tenants generally pay rent to Danke Apartment through "rent loan", and Danke Apartment pays rent to the landlord on a monthly basis.

In this mode, if Danke apartment honestly earns only "agency fee" and "service fee" during its operation, the epidemic may lead to the stagnation of Danke apartment business, but there will be no financial problem.

However, through the "rental loan", Danke apartment got the rent of the tenant for half a year or one year in advance. The Danke apartment that gets the money only needs to pay the landlord quarterly or monthly. Most of the money left on hand is used for market expansion, that is, finding a new house and refitting it.

If there are new tenants all the time and provide new funds for Danke apartment, there will be no problem with this model. The key point is that the arrival of the epidemic has caused the number of new tenants in Danke apartment to drop like a cliff.

So Danke apartment is facing the dilemma of running out of funds in advance, but there is no new source of funds. In the end, there are problems such as not being able to make money for the landlord on time, the landlord driving away the tenant, and the tenant who is driven out of the house still needs to repay the loan on a monthly basis.

What is the impact of Danke apartment's unpaid rental loan? Analysis on the consequences of loan from Weizhong Bank in Danke Apartment

A few days ago, information about the bankruptcy of Danke apartment was widely circulated. Danke apartment soon came out to explain that he was not bankrupt and would not run away, but the company's capital flow was tight. For tenants who have applied for rent loans, what is the impact of the outstanding rent loans of Danke Apartment? This article will analyze the consequences of the loan from Danke Apartment Weizhong Bank.

What is the impact of Danke apartment's unpaid rental loan?

The tenant applied to Weizhong Bank for a rent loan to pay the rent. Weizhong Bank pays the rent to Danke Apartment in one lump sum. Danke Apartment pays the rent to the landlord every month, and the tenant needs to repay the rent to Weizhong Bank every month. Under normal repayment conditions, the interest on the rental loan is paid by Danke Apartment to Weizhong Bank, and the renter does not need to pay interest.

If you rent a house in loans overdue, the consequences of the loan from Danke Apartment Weizhong Bank are as follows:

1. When applying for a loan from Weizhong Bank, you need to check the credit information, and the loan repayment will also be reported, and the rental loan is no exception. Once the rental loan is overdue, the renter's credit information will be affected.

2. If the renter fails to repay the loan on time, he still needs to pay a certain overdue penalty interest. Originally, he just rented a house normally and paid the rent on a monthly basis. Now he needs to pay extra fees, which will increase the financial pressure of renters.

On June, 2020 165438+ 10/6, Weizhong Bank issued an announcement, saying that the renter would not affect his personal credit information because he rented a loan in Danke apartment on March 3 1 day. If the tenant is forced to move out of the rented house, he can log in to the official WeChat account of "Weizhong Bank Rental Consumer Loan" and reply to "Information Registration". Weizhong Bank will help renters solve lease disputes.

The outstanding rental loan of Danke apartment will definitely have a certain impact on renters, and the consequences of Danke apartment Weizhong bank loan are even more serious. Everyone should actively deal with overdue loans, pay attention to official notices in time and follow up the situation.

How does Weizhong Bank, Corporate Finance inquire about loan application?

1. Enter the corporate finance official website of Weizhong Bank and select the "micro-loan" icon; 2. Select "Enter Micro-loan" and click "I" in the lower right corner; 3. Enter "Financial Status" and select "Continue Query" that meets the query conditions; 4. Confirm the "used bank" and log in to online banking of Weizhong Bank Company. 5. After entering the "micro-loan" interface, click the "fund inquiry" button, enter the basic information of the enterprise and its legal person, financial statements, application form for change of enterprise credit information and other related information, and click "below" to complete the enterprise loan application process of Weizhong Bank.

The eggshell has been removed from the shelf. How can I check my contract?

The eggshell was off the shelf, so I couldn't find my contract and had to cancel it.

13 cities such as beishang guangshen can be located in the danke apartment APP, all of which display no listing information. When searching list information by location, price, etc. , all show "sorry, I can't find the house I need". At present, the homepage of Danke Apartment APP only displays functions such as owner's self-service termination, tenant's self-service termination and self-service termination instruction. The mine explosion in Danke apartment has been fermenting for many months. /kloc-February 0/8 18 Weizhong Bank announced that the eggshell rental loan customers can settle the loan without repayment after withdrawing the rent. From now until June 5438+1October 3 1 day, 2020, customers who cancel the lease contract with Danke Apartment can log in to the official WeChat account "Weizhong Bank Rental Consumer Loan" and go through the loan settlement procedures themselves. Many tenants said that the settlement procedures for rental loans have been successfully handled.