So, can credit renting solve the landlord's problem?
As a landlord, Mr. Lin told China Entrepreneur that if this credit system can be popularized in Beijing, he can accept that "there have been cases where tenants run away from my home". Mr. Lin believes that renting a house on credit can save a lot of trouble, and homeowners can choose tenants with high credit scores.
Xiao Qin, the post-90s landlord of Huilongguan, also told China Entrepreneur that he was willing to rent a house in this way. "Landlords certainly want to know the credit information of tenants in advance and recruit quality tenants. If there is a professional boarding house, it will be more worry-free as a landlord. "
However, some landlords expressed disapproval of this practice. Ms. Wang, who had been a landlord for several years before, told China Entrepreneur that the house would not be included in this system. On the one hand, there are traces to follow, which will be investigated by tax; On the other hand, this way of paying monthly without leaving a deposit is equivalent to taking the risk of tenants running away, which brings more trouble than benefits to themselves. "This is the flower head, icing on the cake."
From a practical point of view, although sesame credit score shows personal credit rating, high credit score does not mean that there is 100% guarantee, nor does it have absolute binding effect. If you only look at the credit score and there is no deposit, it is impossible to completely avoid the tenant's unauthorized breach of contract.
When asked if he was worried about this issue, Xiao Qin, the post-90s landlord, said, "If the credit value can be fully operated and the platform can provide mechanisms such as third-party fund supervision, evaluation and appeal, I think everyone may cherish the credit value as much as money. The current e-commerce platform also collects accounts from the platform after delivery. Isn't it also very useful? " However, he also said that "there will definitely be concerns, depending on whether the platform can have a good mechanism and process to avoid the risks of both parties."
Tenants leave home to work, and many office workers rent houses. For tenants, the most worrying issue is:
Can't rent a suitable and cost-effective house;
If you can't find the landlord, you can only contact the intermediary and pay the intermediary fee;
Before the lease contract expires, it is blown away by the landlord or intermediary;
There is a problem with the housing situation, and the landlord or intermediary ignores it.
If the credit rental is online, the tenant can check the landlord's credit score, evaluation and other information from the rental credit evaluation system to weigh whether to choose to rent.
If the picture of the landlord's house does not match the reality, or the tenant is blown away halfway, the system will punish or deal with the landlord's credit score accordingly.
Then, in the credit rental platform, tenants can skip the intermediary and directly establish contact with the landlord to find a suitable rental; In addition, the credit evaluation system can restrain the landlord to a certain extent, and the landlord will also worry about the impact of low credit score.
Is the intermediary going to lose his job? From this point of view, credit rental is indeed a solution that both landlords and tenants are happy with. Landlords don't worry about finding good tenants, and tenants don't worry about finding good landlords. So, is there no intermediary in the rental market?
Xiao Zhao, a rental agent who loves my family, thinks that Alibaba's credit system can't completely replace the intermediary. He believes that "Internet companies will only promote communication between customers and owners, and cannot completely replace the status of intermediaries. This is good for customers, but it is not absolutely safe. Can a good financial record tell everything about a person? " But he does not deny that this will indeed have some impact on the leasing intermediary market.
Chinese enterprises have learned that many rental platforms have launched credit rental projects, which are also free of deposit and monthly supply.
However, most of these projects adopt the following methods: the rental platform cooperates with the financial platform and Alipay: Alipay first reviews the tenant's credit qualification, and if the credit score is enough, it can apply for a loan on a third-party financial platform; After the formalities are completed, the financial platform will pay the rent to the leasing platform for a whole year, and then the tenant will pay the rent on a monthly basis, but in fact, it will repay the loan on a monthly basis, realizing no deposit and monthly rent payment.
"Similar to the credit rental model, it should be said that it will be more difficult at first. After all, such operational details need to be considered.