The eggshell apartment turmoil has intensified. What is it that is used to harvest young people’s mortgages?

After reading the news about Eggshell Apartments, I took a sigh of relief. I was really lucky.

Just four months ago, I went to work in Guangzhou. Because I am not familiar with the city, I plan to find a long-term apartment for half a year, and then slowly find a house I like.

After seeing more than ten parents renting apartments, I picked the eggshell apartment. The reason is simple. The big brands should be guaranteed. The houses are located in communities with good environment. In addition, the decoration is good and the location meets my requirements.

▲ Currently the eggshell apartment app can still be downloaded and used normally, and there are also 0 deposit and rent-free activities

But when the staff at Eggshell Apartment strongly recommended me to pay the 6-month rent in full, I refused out of instinct, even though the staff told me that "a lump-sum payment can be more favorable". benefit.

The staff thought that the reason for my refusal was lack of money. Later, after I left the store, the staff made several more phone calls and said that they could get a loan, "It can be cheaper and give me a 50% discount on the first month's rent . "

As an ordinary person, I think I don't have the social energy to make the heavens take the initiative to lose pie, so I deny the choice of eggshell apartment, and switch to an unknown apartment that can be paid once a month.

Unexpectedly, just over 3 months, a lot of news about "Eggshell Apartments Thunder" appeared on the Internet.

This year’s young people have been repeatedly "harvested".

Little Z, a post-95 programmer who just complained about 996 on V2ex during the day, did not expect that after arriving home at 9 o'clock in the evening, he would face the plight of homelessness.

"When I got home, I saw two roommates standing at the door arguing with an aunt. I thought it was the neighbor next door (I found it), because a roommate always makes some noise at night." Xiao Z said.

After approaching and listening for a while, Xiao Z understood that this aunt claimed to be the landlord and said that she had not received the rent for 3 months, and asked Xiao Z to move out today .

▲ The tenant and the landlord came to Chengdu Eggshell Apartment to ask for an explanation. The police are maintaining order. Picture from: Cover News

Faced with doubts from Xiao Z and his roommate, the aunt who claimed to be the landlord showed a photo of the real estate certificate and ID card. When Xiao Z and his roommate saw the photo, they were in a mess: "We don’t know what’s going on. We immediately called the people in the eggshell apartment because the rent was paid directly to them for a year. Several did not answer, neither WeChat nor voice answer."

Xiao Z said that the aunt's attitude was very tough. "Either make up the rent for 3 months today or move out today." After he and his roommate refused, the aunt threatened to call the police to send them out .

When I heard the word alarm, the three post-95s who had no social experience were a little frightened, "We discussed with the aunt and waited a few days before moving. Even if we can't finish moving today, the aunt agreed."

After the three people sent off the aunt, Xiao Z's mobile phone notification sounded. It turned out that someone in an Internet industry exchange group shared an article with the title "Eggshell Apartment: Repaying debts is justified!"

▲ Left: Eggshell Apartment friendly reminds tenants to "protect rights according to law". Right: On the Internet, a female tenant stood on the rooftop while defending her rights.

"When I saw the title, my mind was a little dizzy. When it was over, it was a thunderstorm. Then I thought of not looking for an eggshell apartment (rights protection), but if I want to pay the rent again, how to pay the owed flowers and credit cards. " It turns out that Little Z, who has tasted the sweetness of consumerism, is an out-and-out installment maniac. Mate 40 Pro, YEEZY shoes, PSP, etc. are all purchased in installments, and even the annual rent paid to the eggshell apartment is in installments. . (Dispel doubt: PSP can still be purchased in installments using Huabei on Taobao or Xianyu app, up to 12 installments)

"Now I think I’m just a leek. In the past few years, if I believed in the unreliable We-Media, don’t buy a house, but have fun. It’s more cost-effective to take the money to rent a house, so take the money for consumption, use it for installments, buy mobile phones, buy Shoes, shoppers, and emptied the shopping cart. The result is now like this. The house price in my hometown has increased by more than three times. Now I can’t afford to buy it, and I’m even cut off when I rent a house.” Xiao Z finished with his hand. His forehead blocked his slightly tired eyes.

There is no way to defend rights, and some tenants threaten to turn the house into a "hit house"

There are many people who have the same problem as Xiao Z. Xiao Xi is one of them. She told Ai Fan'er, "It is said that more than 500 WeChat (rights protection) groups have been pulled, all of which have been collected by Eggshell Apartments for half a year. Tenants who rent for one year are defending their rights.”

Xiaoxi said that as the eggshell condominium's affairs have fermented, more and more landlords have begun to come to collect houses. "The statement is the same. They have not received the rent for several months. If the tenant does not move out, they must call the police."

For young people who don't have much savings, the lifestyle is basically "repay the monthly salary in installments for the previous month." Once they are driven out of the house, they can only sleep on the street, or spend one night at McDonald's and KFC .

"Eggshell Apartment is a chicken thief. While bluffing us, he said that we would take the initiative to apply for the cancellation of the lease, and the money would be refunded to us. In fact, there was no refund at all. The room is cheating at both ends, the time difference is playing, and the money is gone!" When Xiaoxi said this, she was very emotional.

▲ Some people in the rights protection group reported that they were also asked to voluntarily terminate the contract and wait for a refund, but they did not actually receive it. Image source: New Business Culture (Zhihu)

Xiaoxi said that she rented a master bedroom in a residential area near the Guangzhou Kecun subway station. She paid the rent annually in installments. "If you pay as you go, the monthly rent will be 2850. The eggshell person will tell me once. The sex payment is 2630, and it is 31,560 a year. If they can’t come up with more than 30,000, they have rent loans. If they do rent loans, the monthly rent can be reduced to 2530, and the first month will be paid back for half a month without rent."

Ai Faner learned that the monthly rent for Xiaoxi and her two roommates is about 6,500 yuan, and for houses of the same type and with similar decoration quality, the current market rental price for the whole set is above 7,500 yuan .

Precisely because of the attractive price and the fact that there is really no savings on hand, in October last year, Xiaoxi chose to pay the annual rent loan after repeated consideration. Xiaoxi said that many people choose to pay the annual rent directly.

"Now everyone is looking for eggshells, but they can't find them. They called the police. The police said it was an economic dispute. They didn't care. They went to the Bureau of Industry and Commerce. The Bureau of Industry and Commerce said it was not in their control. I saw someone on Weibo saying that the landlord should be allowed My house has turned into a murderous house. It should be forced to be too much. We young people have so much money. We pay rent every month and we owe money. There is basically not much left to live."

▲ There are also people who say they want extreme rights protection. It is recommended that the parties deal with it calmly

What is the rent loan that drives people to desperate situation?

Rent loans, essentially installment loans , may also be credited to the personal credit system. It's just that after packaging for various long-term rental apartments, it has become a "new choice for renting houses for exquisite urban youth", claiming to allow young people to pay lower monthly rents and rent better houses in the city center.

▲ Long-term rental apartment model. Image source: Qian Yanshe Zhang Dong (knowledge)

The rental loan process is like this. Let’s take a set of 5,000 yuan monthly rent as an example:

  1. For a long-term apartment, rent this suite from the individual landlord for 5,500 yuan (or a slightly lower 4,500 yuan)
  2. For long-term rental apartments, renovate the house, install an electronic code lock on each room, and divide it into 3 single rooms
  3. Put 3 room listings on the app, and put advertisements to attract young people to rent houses. The price of a single room is 2500 yuan
  4. If young people make a one-time payment, the rent discount can be as high as 2350 yuan. If young people can’t pay the annual rent, use a 50% discount for the first month to guide the tenants to use the rental mortgage, and finally each tenant must borrow from the loan company in his own name 34545 yuan = 25850 yuan (11 months rent) + 1175 yuan (first month and a half month rent) + 2820 (10% handling fee) + 4700 (two months deposit)
  5. The rental loan company will deduct fees ranging from 10% to 15%, such as interest and handling fees, and then pay a total of about 93,000 yuan in rent for the three rooms to the long-term rental apartment at a time, and the long-term rental apartment will receive 93,000 yuan. Do other things, such as investing in financial and wealth management projects, expanding business in other industries, or even lending in disguise or flowing into the real estate market, etc.
  6. For long-term rental apartments, pay rent to the landlord monthly or quarterly with the rent on hand and the money earned

▲ Rent loan model. Picture from: Ren Yi (WeChat public account)

In fact, if the landlord rents out the house directly and the annual rent is only 60,000 yuan, the price difference of more than 30,000 yuan, 10% instalment interest or handling fee and rental income will be long-term rented apartments and loan companies separated.

There are very high risks in doing so. For example, when the invested money is not profitable or even the principal cannot be recovered, the entire capital chain will be broken and the "game" cannot be continued.

The apartment and the loan company eat melons to watch the show, leaving the landlord and tenant to hurt each other

The chain reaction of the thunderstorm came quickly. Long-term rental apartments were unable to pay the landlord's monthly rent. In order to reduce the loss, the landlord would immediately ask the tenant to withdraw the rent. Finally, the tenant had to move and embark on a long road to rights protection.

Although the landlord and tenant are both victims and should stand on the same front to defend their legal rights, for some reason, the conflict between the two parties has intensified.

▲ The door of the house has become a "battlefield" for tenants and landlords. Image source: New Commercial Culture (Zhihu)

Ms. Xu is one of the landlords who got caught. She has a 120-square-foot three-bedroom apartment in Beijing, which she has always handed over to Eggshell Apartment. "Before, I paid me rent on the 15th of each month. Last December, the first When I was in arrears this time, I called and called (rent) the next day, but since August this year, I haven't received the rent again, and no one answered the call."

Ms. Xu believes that the landlord is also a victim. "I also understand the situation of the tenants. Now public opinion is biased towards them. They feel that they are pitiful. They have pushed the eggshell error on our landlord and made us seem unjust. It’s the same as the last time that the takeout button waited for 5 minutes. It kidnapped us morally , but we were also carrying mortgages. There were old and young people, and we were under a lot of pressure. It’s not that we really have a bad conscience. "

In the end, Ms. Xu negotiated with the tenant, and one person would bear half of the loss, "They give me half of the rent every month, and I will find a way to solve the mortgage gap."

However, Ms. Xu told Ai Fan'er that very few people choose to negotiate a settlement. "Nowadays, many landlords and tenants are fighting. If you change the door lock and cut off my water and electricity, I will call the police or block the door to prevent access. It is the apartment and the lending company that make money or not. Anyway, if tenants do not repay the loan, they have to ask for credit, and it is difficult to protect their rights. In the end, most tenants will suffer a dumb loss, and they can only admit it."

▲ Rent loans still need to be repaid on time

Thunderstorms have long had hidden worries, but they were ignored under discount

As early as 2018, there were thunderstorms in dozens of apartment houses. Jiemian News reported that there were capital chain problems in the apartment, good rent and good living, excellent tenants, and Dingjia apartment. Later, many apartments directly paid off. Run away, leaving the shocked tenant and the landlord arguing.

Someone once deduced the cash flow of a long-term rental apartment company in an ideal state, and followed the method of rapid fund-raising and rolling cash flow. The cash flow performance was very beautiful.

▲ A simple calculation of the ideal cash flow of long-term rental apartments. Picture from: Ren Yi (WeChat public account)

But the problem is that the risk is uncontrollable. For example, some long-term rental apartments use the rent to invest in P2P, and the result is a P2P thunder. Some apartments flow the rent into real estate in disguised form. As a result, the real estate is unfinished and even the principal cannot be recovered. , If one link cannot keep up, the entire long-term rental apartment game may not be able to be played instantly .

After the thunderstorm, many long-term rental apartments went against the laws of the market. Instead, they unilaterally increased their rents during the epidemic. They would rather be criticized by the tenants, and they would also increase their prices even if they were exposed by the landlord for unilateral rent increases but blocked rents. In fact, a red flag has been sent-they are really out of money.

▲ During the epidemic, market rents fell, and long-term apartment rents rose against the market. People who cannot come to live due to quarantine measures must also accept

However, in the face of well-packaged rent concessions and rent loans that "reduce the pressure", the rent increase failed to make many young people who have not been involved in the world react to them, and they were still fooled. In the end, "the rented house cannot be lived in. To repay the rent loan" is on the verge of collapse.

If supervision continues to be lacking, routines will appear

After the rent loan incident, rights-defending tenants crowded the offices of Eggshell, but found that the branch offices of Eggshell companies in some cities were already empty. Calling the police and seeking help from relevant departments temporarily failed. Tenants could only carry out self-help, pull rights protection groups, voice on the Internet, post notices to refuse the landlord to accept the house, and install monitoring at the door of the house, but they could not completely solve the problem.

Things similar to long-term apartment rental routines have actually appeared many times. Illegal fund-raising in rural areas more than a decade ago, fund-raising in the past few years to buy shares in "ecological anti", P2P in the first two years, shared bicycles last year, and rent this year Loan, etc., as long as it is profitable, this "empty glove white wolf" routine will change tricks to harvest people who don’t know the truth. The wolf behind can be said to eat people without spitting out bones, and even worse, the victims’ homes are ruined. , Evolved into a group event.

Every time something happened, the passive supervision of the dead sheep made the masses anxious to get angry, and let the victims recognize themselves as the "standard ending" after a delay, leaving the phrase "bright eyes and self-prevention" that has not changed forever. "What's the use? "

Young people are the backbone of the country's future. When unregulated capital pits them into dismay, why not steal the country's future and overdraft the future to make the biggest "confidence loan"?

Third-rate plan planner, second-rate mirror host, first-rate prodigal swingman

#Welcome to follow Aifaner's official WeChat account: Aifaner (WeChat ID: ifanr), more exciting content will be provided to you as soon as possible.

Ai Faner | Original link · View comments · Sina Weibo