The information that the borrower needs to provide when applying for a rental loan includes: my valid ID card, household registration book, rental contract, income certificate issued by the unit or self-stored tap water, etc. As long as there is no major problem with credit reporting, you can apply.

I. Operating Mode of Rent Loan Tenants sign lease contracts with long-term rental apartment enterprises and loan contracts with financial institutions that cooperate with the enterprises. Generally, financial institutions pay one year's rent for tenants, and tenants repay the rent on a monthly basis, and the corresponding loan interest is paid by long-term rental apartment enterprises.

Second, the risk of renting a loan For newly graduated students and young office workers, it is really a great economic pressure to pay the rent for several months or even half a year at a time and pay the deposit.

At this time, there are many intermediaries. Pay rent every month? In the name of luring young people to sign rent installment loans, that is, rent loan contracts. Regular tenants think it's true? Pay rent every month? However, the platform has recovered the rent for one year in advance through loans. Once the platform is packed up, what will the last tenant face? The till is empty? Risk.

Moreover, this type of rental loan will not only affect the credit information, but also pay a lot of interest and principal, so rental loans have many adverse consequences.

Three. On September 30, 2008, Shanghai Financial Services Bureau issued relevant documents, requiring Shanghai microfinance companies, financing guarantee companies and leasing companies to immediately stop acting as agents for individual leasing enterprises? Rent? Business. At the same time, article 3 of the Guiding Opinions on Promoting the Stable, Healthy and Orderly Development of the Long-term Rental Apartment Market issued by Zhejiang Province mentions that it should be strictly regulated? Rent loan? .

The Ministry of Housing and Urban-Rural Development officially issued a notice to publicly solicit opinions on the Housing Leasing Regulations (Draft for Comment). Article 23 stipulates that a house leasing enterprise shall not require the lessee to use the house rent loan by means of concealment, deception or coercion, shall not induce the lessee to use the house rent loan in the name of rent concessions, and shall not include the contents related to the house rent loan in the house lease contract.