Recently, Alipay and JD.COM have successively announced their entry into the rental market, and cities such as Beijing, Chengdu, Han and Guangzhou have also introduced relevant policies and launched housing rental supervision platforms. Internet giants and government platforms enter the housing rental market, can they solve the problems that plague tenants, such as false housing, opaque prices and intermediary monopoly housing? Will it bring great changes to the rental market? What new experiences will tenants get?
What's the difference between going to an e-commerce and looking for a store?
"There is no agency fee, which is equivalent to saving one month's rent."
"I just changed my job and want to rent a house to live closer. This time, I don't want to find an intermediary company. I intend to try a new Internet platform, hoping to avoid an intermediary fee. " An employee of a startup company in Beijing said to Mo.
Open the mobile phone application of a payment platform to Mozambique and search for rental channels. After entering, there are three categories to choose from: full rent, shared rent and free deposit. "You can directly enter the community or address to choose a rental location, or you can click on the map to find a house more intuitively, and you can also screen the apartment type and rent payment method. After choosing the right house, you can see the qualified house. The use of software is similar to the mobile phone application developed by traditional intermediary companies, but the types of houses are very different. Most of the traditional intermediary houses are houses, and most of the houses on this payment platform are apartments, which are more suitable for single young people like me. "
The process of renting a house also made Xiangmo realize the obvious difference between going to an e-commerce and looking for a store: "I took a photo of a youth apartment near the East Fourth Ring Road, contacted the landlord and directly called the housekeeper who managed the entire youth apartment. In the past, it was impossible to contact the landlord by looking for an intermediary. The intermediary has always been wary of private transactions between tenants and landlords when looking at the house. " According to the time agreed with the apartment housekeeper, Xiangmo came to the apartment in the East Fourth Ring Road to see the house. "The house is close to the subway, which suits me very well. The most important thing is that there is no agency fee, which is equivalent to saving one month's rent, which is very cost-effective. "
In addition, renting a house through an intermediary usually requires signing a lease contract for half a year or one year, and paying the rent in the way of paying one and losing three. "Buy one get three free plus the agency fee, and it will cost 20,000 at a time. This apartment only requires one-on-one, and the pressure is reduced by half for me who has not worked long. And there is no need to sign a long-term contract. If you don't want to rent, just tell the apartment housekeeper one month in advance, which is more flexible. " To Mo Yan. No agency fee, monthly rent and more flexible lease period ... These advantages made Xiangmo sign a lease contract with the apartment manager on the same day.
Recently, the news of the rental market continues: Alipay, a subsidiary of Alibaba Group, announced that more than 1 10,000 apartments will officially settle in Alipay; JD.COM Mall announced the launch of the real estate channel. In the first phase, 82 developers and 35 service providers have settled in, involving 2027 projects covering more than 20 cities.
Internet giants enter the rental market. Can renting a house be as simple as adding online shopping goods to a shopping cart? Zhang Yangyang, head of Chaoyang Branch of Beijing Real Estate Agency Industry Association, believes that Alipay and JD.COM will promote each other with traditional real estate agencies to improve transaction efficiency and reduce transaction costs.
Beijing, Chengdu, Wuhan, Guangzhou and other cities have also introduced relevant policies and introduced housing rental supervision platforms. On June 365438+1October 3 1, Beijing Housing Leasing Supervision Platform was officially launched, providing six services for leasing parties, such as publishing housing leasing information, online signing of housing leasing contracts, housing leasing registration application, transaction fund supervision, credit information inquiry of market entities and credit evaluation. "Through the government platform, tenants can apply for residence registration cards or residence permits, or apply for points to settle down. School-age children can receive compulsory education in the area where the house is located, and an operating platform of "rent, purchase and equal rights" has been built. With more security for renting, the rental market will develop faster. " Zhang Yangyang said.
Is it feasible to have a credit free deposit?
"Tenants with high credit ratings can enjoy rent-free deposits and reduce capital occupation, but there are still too few houses that rely on credit to avoid deposits."
Exempt from the agency fee, can you cancel the deposit again for the convenience of renters?
5438+ 10, Alipay announced that it was the first to promote credit rental in eight cities: Shanghai, Beijing, Shenzhen, Hangzhou, Nanjing, Chengdu, Xi and Zhengzhou. If the sesame credit score reaches 650 or above, the rental deposit can be exempted. Not only on the Alipay platform, tenants with high reputation can avoid the deposit, but Ant Financial also opens the credit platform to traditional intermediaries, allowing intermediaries to evaluate the credit rating of tenants and provide rent-free housing.
"I am still looking forward to Internet companies entering the rental market. Tired of the hardships of going back and forth to see the house, the way to choose a house online is simple and easy, and there is no deposit. Monthly payment will relieve the economic pressure. My sesame credit has reached 750 points, so I can avoid the deposit. I want to try a new lease method after the existing lease expires. " Wang Xiaohuan, an employee of a company in Beijing, said.
"In fact, in the first half of this year, we started the credit deposit-free rental service with Shanghai as a pilot. The data shows that the credit rental model is favored by many young people. Although the houses that provide credit free deposits only account for 15% of the number of houses, they account for 80% of the transaction volume. " Wang Bo, general manager of Ant Financial Innovation and Intelligent Services Division, said.
Credit renting can bring various benefits. For users, credit rent is not only beneficial to credit, but also beneficial to credit protection rights and interests. Choosing a landlord and brokerage company with good credit can avoid being cheated, and timely performance will help to accumulate personal credit and get better service in the future. For housing leasing enterprises, the introduction of credit mechanism can reduce management costs, select tenants efficiently and optimize management. "Every time the standard is used, credit can be accumulated, and every' foul' will also affect credit. Bad behavior will have a long-term impact and even be limited everywhere. In this way, the credit system can better restrain irregular use behavior and reduce risks. " Wang Bo said.
"At present, there are still too few houses with credit free deposit. When looking for a house, if you only look at the house free of deposit, it is difficult to find a house that suits you. I hope that the form of credit rental can be promoted as soon as possible, replacing deposit rental and benefiting more renters. " To Mo Yan.
"Alipay and JD.COM are still in the initial stage of entering the housing rental market and have not brought fundamental changes to the industry." ? Zhang Yangyang said. Alipay's partners are mostly institutions rather than individuals. According to statistics from Chain Home, only 3% of the houses are owned by rental agencies such as brand apartments or house asset managers, and 97% of the houses are in the hands of individual landlords. If the credit leasing model wants to win a broader living space, Internet giants need to consider cooperation with intermediaries.
The person in charge of Ant Financial said that it is in contact with traditional intermediary companies to explore how to gradually access their houses, help intermediaries find quality tenants faster and at lower cost, greatly improve efficiency and reduce operating costs. He believes that the credit leasing market has broad prospects.
Can fake houses and black intermediaries be avoided?
"The house will be automatically removed from the shelf after being rented, and will be automatically launched after being vacated."
"There is no agency fee and no deposit, of course, which is good, but what really makes people feel distressed about renting a house is being cheated by a black intermediary or meeting a bad landlord to raise prices at will." Wang Xiaohuan said. He graduated from Donghua University in Shanghai last year and then worked in Beijing. He had a lot of trouble in renting a house.
A stranger, Wang Xiaohuan can only rely on the intermediary to help find a house. In order to be closer to the unit, he rented a typical "youngest", and the residential environment and room decoration were relatively poor. The rent is 3600 yuan per month, and he signed a one-year contract with the landlord. But after living for half a year, the landlord suddenly asked for a monthly price increase of 5000 yuan. "I am looking for an intermediary to negotiate. The intermediary said that when signing the contract, there was no stipulation that the landlord could not raise the price, and there was no way to solve it. Either move out and the landlord will refund the remaining rent, or accept the price increase and negotiate with the landlord to get a 20% discount for the first month of price increase. At that time, my monthly salary during the probation period was only 5,000 yuan, and I couldn't bear the landlord's price increase. I can only eat Huanglian dumb loss, bite my teeth and change rooms, and my heart is very wronged. " Wang Xiaohuan said.
When changing rooms, Wang Xiaohuan doesn't want to rely on an intermediary. "I am also looking for a house on a large life service website, but the picture is too different from the actual situation. It's unreliable after reading it several times, which wastes a lot of time and energy. Finally, I found an intermediary. "
Due to asymmetric information and unclear rights and responsibilities, there have been many pain points in the rental market: publishing false housing to attract tenants to see the house, charging other miscellaneous fees after the black intermediary signs the rent, and forcing the landlord to raise the price at will. According to the Survey Report on the Housing Situation of Young Talents in Beijing, about 73.7% of the respondents said that their rights and interests had been damaged in the process of renting a house. False housing, high agency fees, landlord's breach of contract and some overlord clauses bring bad experiences to renters. After the new Internet rental platform was launched, some black intermediaries also used the new platform to publish false information to attract tenants.
Zhang Yangyang believes that to rectify the chaos in the rental market, we must first speed up the legislation of the housing rental market, protect the legitimate rights and interests of tenants, and standardize the order of the rental market. It is also necessary to intensify efforts to cultivate and develop housing leasing enterprises, improve the market penetration rate of housing leasing enterprises, accelerate the reform of the supply side of rental housing, and improve the quality of rental housing. Strengthen law enforcement, set up entry barriers, such as setting up a risk reserve for leasing business, and keep enterprises with irregular operations out of the market.
The person in charge of real estate business in JD.COM once thought that the domestic real estate market is welcoming the era of leasing, and leasing is a long-term operation process. The connection established in JD.COM is not a simple information notification, but a one-stop experience for buyers by integrating JD.COM. Marketing, service and supply chain of COM.
Wang Bo introduced that in Alipay's rental service, after entering complete housing information, "the housing will be automatically removed after renting, and it will be automatically launched after vacating" to ensure the authenticity of the housing. Alipay platform also strives to build the credit system of the rental industry, reconstruct the behavior norms and transaction processes of the whole chain before, during and after renting, and introduce a third-party supervision mechanism.
Renting a house will be more convenient and cheaper in the future.