I can't help but have a heavyweight spoiler first:
Spoiler 1: CCB Shenzhen Branch has signed over 5,000 lease transfer agreements with real estate enterprises, all of which are finely decorated new houses. The long-term rental houses jointly launched by the first batch of housing enterprises are 548 1 set, including six high-quality residential quarters developed by powerful housing enterprises such as Country Garden and Xinghe Real Estate, most of which are newly sold and subletted houses.
Spoiler 2: Geographically, the first batch of houses are mainly around the location of many enterprises in Shenzhen to solve the housing problem of employees. At present, more than 70 technology-based enterprises such as BYD, Fangda Group and EVOC Intelligent have submitted their lease intentions to CCB.
Spoiler 3: renting a house can also be mortgaged, and the interest rate is cheaper than mortgage!
Judging from the published business methods, there are two main modes for banks to intervene in the housing rental market:
First, mainly cooperate with the government to build a housing lease management platform for the government, and provide corresponding financial services and products in all aspects of the whole lease process, such as housing verification, transaction matching, credit evaluation and fund supervision;
The other is cooperation with real estate enterprises. Banks sign lease transfer agreements with real estate enterprises and rent houses through banking platforms. At the same time, banks can also provide tenants with financial products including rental mortgage loans.
How big is this market? A research report shows that the housing rental market in China will be 1. 1 trillion in 20 16, and it is expected to be 1.9 trillion in 2025 and will exceed 4 trillion in 2030.
How big is this demand? Building a long-term rental culture is a trend of the future development of China real estate market. For ordinary people, especially those young people who have just entered the workplace, the government, real estate enterprises and financial institutions are working together to develop the long-term rental market under the urgent need of not being able to buy a house but wanting to have a high-quality living environment. This is a huge blue ocean with a scale of over one trillion.
Issues such as housing, rent and rental conditions are obviously more concerned by the market. China, a brokerage company, is here to sort out the key details of the rental financial services provided by banks, especially friends in Shenzhen. It is expected that you will experience long-term rental soon.
1. What should banks do?
Up to now, there are three banks that have officially announced to enter the housing rental market: China CITIC Bank, China Construction Bank and China Bank, but the actual business progress is different.
China Citic Bank
10 year 10 On October 30th, CITIC Bank and Country Garden Group formally signed a strategic cooperation agreement of 30 billion yuan for long-term rental housing security fund. According to the agreement, in the next three years, CITIC Bank will provide 30 billion yuan of guarantee funds for Country Garden Group in the field of long-term rental housing, and at the same time integrate various financial resources of CITIC Group to provide a package of comprehensive financial services for Country Garden Group in the field of long-term rental housing. The two sides will conduct overall business cooperation in the whole chain of long-term rental housing development and construction, investment incubation, holding operation and later withdrawal.
China construction bank
On June 1 65438+1October1,the Wuhan Housing Leasing Transaction Service Platform jointly established by China Construction Bank and Wuhan Housing Management Bureau was officially launched, which is the first time that the provincial capital cities in China have launched the cooperation mode between government and banks. This time, there are mainly two sub-platforms: housing leasing enterprise service and government supervision service. In the next step, other sub-platforms will gradually go online, and finally realize full supervision of leasing enterprises, full verification of leasing houses, full monitoring of leasing process and full coverage of leasing services.
165438+ 10 On 2 October, Guangdong Provincial Housing and Construction Department and Foshan Municipal Government respectively reached a strategic cooperation on housing leasing with Guangdong Branch of China Construction Bank, which took the first step in promoting the construction of housing leasing market through cooperation between government and banks. According to the agreement, CCB will provide a platform for government supervision and guarantee customer transactions, and give strong support in technology, capital and channels in the next five years.
165438+1On October 3rd, CCB Shenzhen Branch signed a strategic cooperation agreement on housing leasing with Vanke, China Resources, Country Garden, etc.1/housing enterprises, announcing the official development of the mayor's rental market in Shenzhen. According to the relevant person in charge of Shenzhen Branch of China Construction Bank, more than 5,000 sets of lease rights transfer agreements have been signed with real estate enterprises, and all the houses are finely decorated new houses. Future tenants can rent a house online through the house provided by CCB's "CCB Rongjian House" APP.
165438+1October 2, Bank of China announced that Xiamen Branch of Bank of China, in cooperation with Xiamen Bureau of Land Resources and Real Estate, will comprehensively use artificial intelligence, blockchain, cloud computing, big data and other scientific and technological means in housing verification, transaction matching, credit evaluation, fund supervision, lease mortgage, lease financing and lease insurance.
Judging from the actions of the above banks, CCB's actions are the most substantial. In order to seize the market as soon as possible, CCB also invested in two housing leasing service companies-Jianxin Housing Service (Shenzhen) Co., Ltd. (hereinafter referred to as "Jianxin Housing") and Anju Jianxin Leasing Service Co., Ltd., which is a joint venture established by CCB and Shenzhen Talent Housing Group and specializes in housing leasing management. At present, CCB is actively negotiating with major housing enterprises for long-term rental sources. Shenzhen people, in particular, are expected to take the lead in experiencing the housing rental services provided by banks.
In addition, the China reporter learned that many banks such as ICBC and ABC are preparing to enter the housing rental market, and follow-up meetings will be announced one after another.
2. What kind of house is used for long-term rent?
Li Zhongdong, vice president of Shenzhen Branch of China Construction Bank, told China, a brokerage company, that the first batch of long-term rental houses jointly launched by real estate enterprises totaled 548 1 set, including six high-quality residential quarters developed by powerful real estate enterprises such as Country Garden and Xinghe Real Estate, most of which were brand-new houses for sale and subletting.
An executive of a local real estate company in Shenzhen revealed to the reporter of China Daily that the Shenzhen property market is currently implementing a policy of restricting purchases and sales. Due to policy restrictions, it is difficult for developers to sell their houses; However, many real estate developers are facing enormous cash flow pressure. By taking out some houses, separating the property right from the right of residence, and the bank buying out the right of long-term residence at one time (in the form of loans), developers can not only get a loan fund to solve their urgent needs, but also get other financial services from the bank.
"Nearly 80% of tenants in Shenzhen live in houses with poor environment and short lease term, such as urban villages and illegal buildings. In order to solve the problem of insufficient supply of high-quality long-term rental housing, this time, the housing enterprises mainly come up with new buildings with fine decoration, complete household appliances and furniture, and can directly stay in the bag. " Li Zhongdong said.
Geographically, the first batch of houses mainly focused on the location of many enterprises in Shenzhen to solve the housing problem of employees. According to statistics, as of 10, more than 70 technology-based enterprises such as BYD, Fangda Group and EVIC have submitted their lease intentions to CCB.
In addition to Shenzhen, more citizens in other cities will have the opportunity to enjoy high-quality long-term rental housing in the future. Especially in July this year, nine ministries and commissions, including the Ministry of Housing and Urban-Rural Development, issued the Notice on Accelerating the Development of the Housing Rental Market in Large and Medium-sized Cities with Net Population Inflow, and selected Guangzhou, Shenzhen, Nanjing, Hangzhou, Xiamen, Wuhan, Chengdu, Shenyang, Hefei, Zhengzhou, Foshan, Zhaoqing and other cities 12 as the first batch of pilots. Subsequently, the Ministry of Land and Resources and the Ministry of Housing and Urban-Rural Development jointly issued the "Pilot Program for Building Rental Housing with Collective Construction Land", and identified Beijing, Shanghai, Nanjing, Hangzhou and other 13 cities to carry out pilot projects for building rental housing with collective construction land. The long-term rental housing market in the above cities is expected to land faster.
3. Who is expected to adopt early adopters as soon as possible?
The most urgent problem to be solved in developing the long-term rental market is the brain drain of entity enterprises. Chen Zhilie, Chairman of the Board of Directors of EVOC Intelligent Technology Co., Ltd. said that in recent years, the operation of the real economy is not easy, and one of the reasons is the general rise in housing prices across the country, which has increased the pressure on enterprises. In order to solve the problem of retaining talents in entity enterprises, Shenzhen has introduced many policies. CCB cooperates with Shenzhen government and housing enterprises to provide stable and high-quality long-term rental housing for entities and solve the problem of talent housing.
Li Zhongdong revealed that the target audience of long-term rental houses initially launched by CCB and real estate enterprises are mainly corporate customers and group customers, and they are put into batch for enterprises through collective rental. In other words, employees of some enterprises have the opportunity to enjoy high-quality long-term rental housing first.
"We prefer to choose group customers. For example, we put out 600 sets of commercial housing for sale for fine decoration and rental. At present, BYD has cooperated with us and rented a number of houses as a whole. BYD will rent these houses to their employees. " Zhu Haifeng, vice president of Xinhai Holdings, said.
In addition, in terms of rent, the relevant person in charge of CCB said that it will refer to the market price in the region, and tenants can download the "CCB Rong Jian Home" APP to see the house and sign the contract online.
4, renting a house can also be mortgaged, and the interest rate is cheaper than mortgage.
Relevant surveys show that the average lease period of Shenzhen houses is only about 9 months, and the short lease period has brought expected instability to both tenants and landlords. Therefore, the goal of cooperation between CCB and real estate enterprises is long-term lease.
"We have signed a housing residency transfer agreement with CCB for about 20 years, and the contracted houses can be rented in the next 20 years. For tenants, our minimum lease term is 1 year in principle, but we hope it is at least 3-5 years. " Zhu Haifeng said.
For tenants, one of the advantages of long-term rent is that they can lock in the rent during the lease period without worrying about the rent increase. But for young people who are new to the workplace, a real problem brought by long-term rent is that paying all the rent at one time is also a big expense for many people.
In order to solve the problem of the source of funds for tenants to pay rent in one lump sum, CCB will soon launch a "housing loan" business for tenants to encourage stable lease relations through bank credit. According to the relevant person in charge of CCB, the mortgage is mainly based on the credit status of the borrower. The longest loan period is 65,438+00 years, and the maximum loan amount is 654,380+0 million yuan.
"In order to cultivate customers' long-term rental concept, we give certain preferential conditions in terms of loan resources and interest rates according to housing loans. At present, the scale of bank credit is very tight, but in the future, the amount of mortgage will guarantee supply; In terms of interest rate, it will implement a more favorable interest rate than individual housing mortgage loans in the same period. For example, banks generally implement a benchmark interest rate increase of 65,438+00% for the first suite in terms of mortgage interest rate, and will implement a benchmark interest rate for home purchase loans. " Li Zhongdong said.
Regarding whether renting a house by loan will increase the cost of renting a house, Li Zhongdong calculated an account for the reporter: although the housing loan was borrowed by the tenant, the bank directly transferred the funds to the owner's account. After the owner gets the rent for the next few years in one lump sum, he can use the money to buy bank wealth management and earn interest income. The homeowner earns rent+financial interest, and accordingly, he may reduce some rents; In addition, the housing loan interest rate is not high, so for tenants, the overall rental cost will not increase significantly, and may even decrease.
However, because the mortgage is a pure credit loan and the loan interest rate is relatively favorable, China reporter learned that in order to strengthen risk control, CCB will set certain thresholds for customers' qualifications, such as paying the provident fund or social security base at a certain scale, paying wages at CCB at a certain scale, and having no bad credit record for a period of time.
"In order to cultivate customers' long-term rental concept, we give certain preferential conditions in terms of loan resources and interest rates according to housing loans. At present, the scale of bank credit is very tight, but in the future, the amount of mortgage loans will ensure supply; In terms of interest rate, it will implement a more favorable interest rate than individual housing mortgage loans in the same period. For example, banks generally implement a benchmark interest rate increase of 65,438+00% for the first suite in terms of mortgage interest rate, and will implement a benchmark interest rate for home purchase loans. " Li Zhongdong said.
Regarding whether renting a house by loan will increase the cost of renting a house, Li Zhongdong calculated an account for the reporter: although the housing loan was borrowed by the tenant, the bank directly transferred the funds to the owner's account. After the owner gets the rent for the next few years in one lump sum, he can use the money to buy bank wealth management and earn interest income. The homeowner earns rent+financial interest, and accordingly, he may reduce some rents; In addition, the housing loan interest rate is not high, so for tenants, the overall rental cost will not increase significantly, and may even decrease.
However, because the mortgage is a pure credit loan and the loan interest rate is relatively favorable, China reporter learned that in order to strengthen risk control, CCB will set certain thresholds for customers' qualifications, such as paying the provident fund or social security base at a certain scale, paying wages at CCB at a certain scale, and having no bad credit record for a period of time.