According to industry insiders, it is a new thing for tenants to pay the landlord the rent for the next few years in one lump sum by applying for a housing lease loan. First of all, both the landlord and the tenant have to agree to achieve it. In addition, for landlords and tenants, whether it is feasible to pay rent for several years at one time depends on their own needs and funds. It should be noted that the loan pays the rent. In addition to the rent itself, the rent cost also includes the interest that the loan needs to pay. When considering the rental cost, interest expenses should also be taken into account. Moreover, in view of the uncertainty of the market rent trend in the next few years, the actual rent cost is higher or lower than the monthly rent. According to the actual situation of the case, the lessee had better comprehensively consider various factors and make a rational decision.
◆ Case
The tenant pays the rent for three years in one lump sum.
The landlord froze the rent increase for three years.
Mr. T (pseudonym) is a white-collar worker in a state-owned enterprise in Guangzhou. He has rented the house of the landlord Ms. S (a pseudonym) 1 year. Not long ago, the lease expired. Ms. S suggested that if Mr. T can rent for three years and pay the rent for three years in one lump sum, the monthly rent for these three years will be the same as this year, that is, 3,000 yuan/month.
It turns out that Ms. S is going to redecorate the house and add some furniture. She calculated the available funds and found that she still owed about 654.38 million yuan. Ms. S has retired, and she doesn't want to lend money to relatives, friends or banks in this small area of 654.38+ Wanxiang, nor does she want to sell the rented house, which will cut off the stable source of rental income in the future. Therefore, I hope that Mr. T, the tenant, can pay the rent for three years in one lump sum to solve the urgent need.
Mr. T was transferred to work in Guangzhou, and he will be transferred to other places after the project is followed up. He is expected to leave Guangzhou in three or four years at most. Therefore, Mr. T did not choose to buy a house in Guangzhou, but rented a house to live in. Most of Mr. T's funds are still in regular and financial management, and the available money is about 50,000 yuan. Recently, when reading a newspaper, Mr. T saw a news that a bank had launched a housing lease loan, which mentioned a case similar to his own. In the case, the tenant applied to the bank for a three-year rental loan of 60,000 yuan, and the bank paid the landlord 60,000 yuan in one lump sum, and the tenant repaid 1.823 yuan every month.
Mr. T calculated an account: if the rent is paid every year, according to the landlord's rent increase of at least 5% every year, the rent expenditure for 1 year in the next three years will be 37,800 yuan (calculated by the monthly rent of 3 150 yuan), and the rent expenditure for the second year will be 39,720 yuan (calculated by the monthly rent of 33 10 yuan), and the first one will be. If the rent is paid monthly, the rental expenditure for three years is 1 19280 yuan. If the rent goes up more, the rent expenditure will also increase.
If you pay the rent for three years in one lump sum, if the monthly rent is 3,000 yuan, you should pay the landlord 6,543,800 yuan+0,800 yuan in one lump sum. If you can apply for a three-year rental loan of 60,000 yuan as mentioned in the news, the bank will pay 60,000 yuan to the landlord at one time, and the remaining 48,000 yuan will be made up by Mr. T himself. In the next three years, Mr. T will repay 1823 yuan every month. After three years, the loan principal and interest expenditure is 65628 yuan. Together with the 48,000 yuan paid by Mr. T himself, the actual rental expenditure of Mr. T in the next three years is 1 13628 yuan.
After a week's consideration, Mr. T decided to try to apply for a rental loan and pay the landlord Ms. S three years' rent in one lump sum.
◆ Analysis
According to the landlord and tenant's own
It depends on the demand and funds.
The advantage of long-term rent is that once the house lease contract is signed, the rent expenditure and rent increase during the contract period have been determined, and the rent expenditure will not fluctuate due to changes in the rent market, which is more obvious when the rent is in a stable upward channel. Judging from the current rental market in Guangzhou, the lease period is generally six months to one year.
Liang Yanming, a senior analyst at Hefei Research Institute, said that from the owner's point of view, it is more suitable for owners who have a certain capital turnover in the short term but do not want to raise funds by selling houses. If they can collect the rent for several years at one time, on the one hand, they can solve the urgent need of capital turnover, on the other hand, they can lock in more stable rental income and avoid the trouble of frequent change of tenants and the possible vacant period of the property. However, if a long-term lease is signed, it is suggested that the landlord should be clear about the tenant's situation. If you rent a house for a long time, get along well with the landlord, pay the rent on time and cherish the property, it is more appropriate to sign a long-term lease with him.
From the tenant's point of view, the advantage of paying rent for several years in one lump sum is that it can determine the amount of rental expenses in the next few years and better allocate the funds for use in the next few years. But because it involves loans, the cost of renting a house is not only the rent charged by the landlord, but also the interest expense of the loan. If the rental market has been stable or declining, if the rental loan is paid for several years at one time, the actual rental expenditure may be higher than the monthly rental payment in the same period. However, if the rental market has been rising, paying the rent for several years in one lump sum through the rental loan can avoid the uncertainty of the increase in rent expenditure caused by the fluctuation of rent increase during the rising period.
But not every tenant is suitable for this way of paying rent for several years at a time, mainly depending on his future development plan and economic income. Liang Yanming has the following suggestions: First of all, you must get the landlord's knowledge about paying rent for several years at a time, otherwise the landlord will not accept this method, even if the tenant has enough funds to pay rent for several years, it is impossible to talk about it. In addition, it depends on the tenant's funds. Although tenants can solve the problem of insufficient funds by applying for rental loan products, they are loan products after all. In addition to paying attention to the rent, we should also consider the interest expenses of the loan and other factors. Whether it meets the conditions for applying for a loan is a priority. Finally, whether to choose a longer lease term and pay all the rent in one lump sum depends on personal circumstances. If a young tenant has just started a job and his job changes frequently in the future, it is not suitable to be bound by a longer lease. Once the job changes or needs to be developed in other places in the future, it is not a simple matter to properly handle this long-term rent.
◆ Rental tips
Rent in the off-season may wish to "bargain"
Maybe the landlord will really reduce the price.
(The above answers were posted on 2017-11-20. Please refer to the actual purchase policy. )
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