The picture comes from the internet.
A year ago, a number of people from the People's Bank of China said that the central bank would, together with relevant departments, start to clean up and rectify real estate intermediaries, real estate development enterprises and their financial business in cooperation with P2P platforms, and severely crack down on providing customers with down payment loans, increasing the leverage of buying houses, and breaking through the housing credit policy in disguise.
At that time, there were various forms of off-site fund-raising in the real estate market: off-site fund-raising in the real estate market including P2P platform, off-site fund-raising in real estate intermediary structure and real estate development enterprises using Internet financial platform, and off-site fund-raising business combining real estate development enterprises, real estate intermediaries and Internet financial enterprises with P2P as the main body.
The central bank's over-the-counter allocation of real estate is relatively clear: first, real estate development enterprises and real estate intermediaries have not obtained the corresponding qualifications for self-operated financial business, which is illegal to engage in financial business, and there are still phenomena such as self-financing, self-guarantee and fund pool; Second, real estate intermediaries and real estate development enterprises operate their own financial industry or cooperate with P2P platform to carry out financial business. The down payment products provided not only increase the leverage of residents to buy houses, weaken the effectiveness of macro-control policies, increase financial risks, but also increase the risks in the real estate market.
According to the reporter's understanding, the Internet financial platform "My Home Loan" under Beijing I Love My Home Real Estate Agency Co., Ltd. stopped bidding for real estate wealth management products around the end of 20 16. Previously, they provided mortgage loans and house purchase transactions for some customers for a long time.
When the reporter called a person on the "My Home Loan" Internet financial platform to inquire about the progress of the platform's wealth management products, the other party responded: "My home loan is adjusting its investment products, the platform is operating normally, and new wealth management products will be re-launched soon, but the specific time is still uncertain."
Judging from the past investment projects displayed on the "My Home Loan" platform, this internet financial platform has at least matched 1.08 million real estate investment and wealth management products, and the target amount of project investment ranges from several hundred thousand yuan to several million yuan. These loans are all mortgaged by houses. The loans are mainly used for the transaction of customers' repayment of house loans, and some loans are used by customers for supplementary liquidity purposes such as company operations.
The annualized rate of return of these real estate financial products launched by My Home Loan is between 6%- 12%, and the investment period is between 1 month-1 year. These loan repayment sources are divided into two categories, one is that the customer takes the house payment as the repayment source, and the other is that the customer takes the bank loan as the repayment source.
The reporter noted from a tripartite loan agreement signed by "My Home Loan" with the borrower and guarantor that the borrower should use the loan funds as agreed, and shall not use them for other purposes, and shall not use them for the stock market, bond market, futures market, down payment for house purchase or any illegal purposes.
"These real estate wealth management products are mostly used to redeem buildings and help customers turn over the funds for selling houses or changing houses." People on the "My Home Loan" platform told the People's Daily reporter that in addition to paying interest to the investors of the bidding project, customers should also pay service fees and guarantee review fees to the platform operators and guarantors.
I love my family's "My Home Loan" Internet financial platform. The nature of guarantee in risk control measures belongs to associated guarantee. According to the reporter of People's Daily Online, in the loan agreement signed between "My Home Loan" and property buyers, the platform operator "Beijing Haoran Youdao Technology Co., Ltd." recommended the lender as a product investor, and Beijing Jia Wei Anjie Investment Guarantee Co., Ltd. provided joint repayment guarantee for the loan.
The reporter inquired that the platform operator "Beijing Haoran Youdao Technology Co., Ltd." is an indirect wholly-owned subsidiary of Beijing I Love My Family Real Estate Agency Co., Ltd. Before April 20 17, Beijing Jia Wei Anjie Investment Guarantee Co., Ltd. was directly wholly-owned by Beijing I Love My Family Real Estate Agency Co., Ltd., and the two companies were actually controlled by the same shareholder.
An Internet financier told the People's Daily reporter that there are no explicit restrictions or prohibitions on self-guarantee behavior in laws and regulations including the Guarantee Law, but the Guiding Opinions on Promoting the Healthy Development of Internet Finance issued by the central bank and other departments made it clear that online lending platforms may not provide credit enhancement services.
Beijing Jia Wei Anjie Investment Guarantee Co., Ltd. is not a financing guarantee institution, but a non-financing guarantee company. To engage in financing guarantee business such as loan guarantee, it is necessary to obtain the business license of financing guarantee institution issued by the financial supervision department, otherwise it is prohibited to engage in loan financing guarantee business.
Due to historical reasons and differences in registration and management of guarantee institutions in different places, Beijing Jia Wei Anjie Investment Guarantee Co., Ltd. actually belongs to the category of investment guarantee companies. The business scope of such institutions involves providing loans, financial leasing and other economic contracts for small and medium-sized enterprises, as well as personal credit guarantee.
According to the reporter's understanding, I love my family and just transferred all the shares of Beijing Jia Wei Anjie Investment Guarantee Co., Ltd. to a third party company in April this year. People's Daily has not inquired whether the third-party company that transferred shares is related to I love my family.
A person from Beijing Jia Wei Anjie Investment Guarantee Co., Ltd. told People's Daily that the company's main business now is to recommend bank loans to customers as a channel, but it does not provide guarantees for some personal loans.
"The' My Home Loan' platform is still being adjusted. The amount of the real estate financing bidding project to be launched soon does not exceed 200,000 yuan, which is a kind of small consumer loan." A staff member of the "My Home Loan" Internet financial platform told the People's Daily reporter.
2065438+August 2006, the China Banking Regulatory Commission, the Ministry of Public Security and other departments issued the Interim Measures for the Management of Business Activities of Information Intermediaries in Person-to-Person Lending, which clearly stated that "the maximum loan balance of person-to-person lending by the same natural person on the same information intermediary platform shall not exceed RMB 200,000", and a large number of real estate financing products on online lending platforms are personal loan investment projects.
The reporter also asked many people who love my family to further verify the company's financial business, but they did not respond.