Deep in rent and loan, you have to pay liquidated damages for returning the rent.
At the end of 20 18, the netizen Xiaoyue (a pseudonym) came to Nanjing. She found a suite with one room and one living room online, and rented 900 yuan for a month, so she contacted to see the house. As soon as she saw the house, she knew that it was the rental information released by the agent of the beautiful house. She told the reporter of Modern Express that she was very anxious to rent a house. Although she thought the apartment was very different from the photo, she rented it and chose to pay the rent in one lump sum. Including other expenses such as water and electricity, Xiaoyue has to pay 1230 yuan every month.
When signing the contract, the business staff of Meizhai said that if they want to buy one get one free, they must borrow money from the third-party platform "Huimeihui". "They also told me that this loan will not affect personal credit information, and I really have no money to choose quarterly payment, so I can only borrow." After renting a house, Xiaoyue also worked in a beautiful house for a while. In the meantime, some customers have reported that the loan has affected personal credit information when renting a house.
Xiaoyue decided to check out, but found it difficult to cancel the loan. The intermediary told Xiaoyue that if the loan was cancelled midway, it would be necessary to pay a penalty equivalent to two months' rent; Or Abortion can sublet, but she has to pay 300 yuan's sublease fee, but Abortion finds that no one wants to rent her place. Now, Xiaoyue has paid the loan for seven months and can't find anyone to sublet. "Now I have a loan on my back. If I don't return it, it will affect my credit information. No one in the beautiful house will listen to my appeal. I don't know what to do next. "
There is a trap in renting a house.
Search found that beautiful house has many problems in handling loans and renting houses. Some people know that it is a loan, but when the rent is refunded, credit information and liquidated damages become obstacles, and more people have no idea that they have been loaned. Among them, netizen @ "Youth 72 Corner" said that at that time, he signed a one-year contract and paid one rent. Results 1 month later, it was found that Beauty House applied for a loan of 14000 yuan with his personal information without his knowledge. And he didn't see the loan in the rental contract.
Netizen @ "I want to graduate smoothly" said that she chose to bet one and pay three, and has not signed the contract yet. The beautiful real estate agent is going to ask for her ID card, saying that she is inputting information. When she checked in, she found that the environment was too noisy and wanted to refund the rent, but the agent told her to deduct the liquidated damages according to the contract. It turns out that the intermediary has made an electronic contract with her ID card. "I haven't signed it yet, so I said I signed the contract. Is this contract valid? "
On June 17, the reporter of Modern Express came to the beautiful house branch in Yudao Street, Nanjing in the name of renter. A staff member showed the reporter two houses, the rent is 1600 yuan/month. The reporter found that the two rooms were separated by wooden boards and the sound insulation effect was very poor. When the reporter said that his economic conditions were limited, the staff told the reporter that the general landlord asked for one mortgage or three mortgages, but according to the company's regulations, he must apply for a loan first and rent for more than one year. If the late tenant wants to withdraw the rent halfway, he needs to find the next tenant before canceling the loan. The staff also said that there is no agency fee for renting a house here. If you choose to apply for a loan, there is no interest. Just pay the rent normally, and the follow-up will not affect your personal credit.
The repayment is not timely, which may affect personal credit information.
Regarding the problems encountered by netizens, on June 25th, the reporter of Modern Express contacted the Beijing headquarters of Beautiful House, and Hao Rui, a brand public relations officer in the marketing department, said that for tenants who have to pay monthly rent, Beautiful House did carry out "financial monthly payment" in some cities (that is, installment loans). For some netizens who claimed that they were "loaned" without knowing it, Hao Rui replied: "We will fully fulfill our obligation to inform, give the tenant a loan confirmation letter, conduct a telephone audit, and there will be SMS reminders before each period expires, prompting information such as repayment date." Hao Rui said that they have also received some complaints about "uninformed loans".
Is there any situation where tenants are worried that personal credit information will be affected? Hao Rui said that during the period of renting, if the tenant pays the rent on time every month normally, or applies to the Beauty House Signing Center for early withdrawal seven days before the repayment date expires, there will be no bad credit, but if the repayment is not timely, it may be affected. "The group that has just entered the society has limited economic ability, and monthly financial payment can help them reduce their pressure; From the company's point of view, financial monthly payment is a way of renting, because the tenant's default cost is too low, but the choice is in the hands of the tenant. " Hao Rui said.
Forcing loans to infringe on consumers' rights and interests
Regarding the practice of Beautiful House, Zuo Yingchun, a lawyer of Jiangsu Zhongsi Law Firm, believes that if the tenant is given a loan without knowing it, then the intermediary is fraudulent. In addition, Beautiful House requires tenants to use loans in one lump sum, which infringes on consumers' right to choose. Lawyer Zuo analyzed that it is actually a trap for the intermediary to handle loans for tenants. The loan virtually locks the tenant in the house, which leads to the restriction of the tenant's normal rent withdrawal and rights protection. In this case, the rental contract becomes a kind of overlord contract, and the tenant can defend his rights through legal means.