Six departments issued documents to strengthen the supervision of asset-light housing leasing companies. In principle, the single rent collection cycle should not exceed 3 months.
Large cities regularly announce market rent levels
The reporter learned yesterday that six departments including the Ministry of Housing and Urban-Rural Development, National Development and Reform Commission, Ministry of Public Security, State Administration of Market Supervision, State Cyberspace Administration of China, and China Banking Regulatory Commission jointly issued the "Opinions on Strengthening the Supervision of Asset-light Housing Leasing Companies."
The opinions clearly stated that the housing and urban-rural construction departments in large cities with strong rental demand should establish a housing rent monitoring system and regularly announce the market rent levels of different types of rental housing in different regions.
Highlight 1
In principle, the rent paid to the landlord shall not be higher than the rent of the tenant
The "Opinions" are directed at asset-light housing leasing companies engaged in subletting operations, and clearly require that, in terms of strengthening business management, companies engaged in housing leasing operations and natural persons who sublet 10 units (rooms) shall register as market entities and obtain business licenses in accordance with the law. , Its name and scope of business should include the words "housing leasing", and push the opening information to the housing and urban-rural construction departments before starting operations, and the housing and construction departments shall make public announcements to the society.
At the same time, in terms of regulating the behavior of housing leasing operations, the opinions put forward that housing leasing companies should incorporate the information of their operating houses into the housing leasing management service platform of the city where they are located. In principle, the period of a single rent collection should not exceed 3 months, and the payment should be made to the owner of the house. In principle, the rent is not higher than the rent collected by the lessee.
The person in charge explained that previous housing leasing companies had high-risk business behaviors such as "long income and short payment", "high in and low out". This business model is unsustainable, which means that leasing companies have no profit at all, but companies can use rent to pay The maturity mismatch establishes a pool of funds.
Such enterprises have extremely high operating risks. Once the capital chain is broken, it will seriously affect the rights and interests of the parties involved in housing leasing.
Highlight 2
A single deposit for more than one month should be included in the supervision account
The "Opinions" proposes to carry out supervision of housing leasing funds.
A housing leasing enterprise shall set up a housing leasing rent supervision account with a commercial bank, file it with the housing and urban-rural construction department of the city where it is located, and publicize it to the society through the housing leasing management service platform.
If an enterprise collects rent for more than 3 months in a single time, or collects a deposit for more than 1 month in a single time, it shall be included in the housing leasing fund supervision account, and the rent shall be paid to the owner of the house through the supervision account and the rent shall be refunded to the lessee.
"This regulation encourages one to pay three, leaving appropriate space for enterprises. However, if enterprises still want to make long-term income, they must carry out capital supervision." The relevant person in charge of the Ministry of Housing and Urban-Rural Development said. ????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????
The "Opinions" propose that the funds included in the supervision account can be used to pay for the necessary expenses such as renovation and renovation of the corresponding housing, provided that the rent of the right holder of the house is paid in full and on schedule and the deposit of the tenant is refunded.
Urban housing and urban-rural construction departments, together with financial supervision departments, establish a housing leasing fund supervision system to strengthen daily supervision and management.
Highlight 3
Do not induce tenants to use "rental loans"
The opinion puts forward that it is forbidden to arbitrarily use housing rental consumer loans.
Housing leasing companies must not conduct financial business in a disguised form, and must not embed content related to housing leasing consumer loans into housing leasing contracts.
Enterprises shall not use the lessee’s credit to obtain “rent loans”, and shall not induce the lessees to use “rent loans” in the name of rent installment, rent concessions, etc.
Financial institutions strictly manage housing rental consumer loans, and strengthen credit review and use management.
Housing and urban-rural construction departments should share with financial institutions the list of housing leasing companies that have high-risk business behaviors such as "high input and low output", "long income and short payment". Financial institutions must conduct risk assessments on companies and identify those listed above. No loans are allowed.
Highlight 4
Strengthen rent monitoring in the housing rental market
The opinions are clear, and the level of housing rents should be reasonably regulated.
The housing and urban-rural construction departments in large cities with strong rental demand have established a housing rent monitoring system to regularly announce the market rent levels of different types of rental housing in different regions.
Strengthen rent monitoring in the housing leasing market, and take necessary measures to stabilize rent levels if rents are rising too fast.
The relevant person in charge of the Ministry of Housing and Urban-Rural Development said that the market rent level announced regularly this time is roughly the same.
In addition, the main responsibility of the city government needs to be implemented.
Establish a multi-departmental coordinated housing leasing joint supervision mechanism, and incorporate the supervision work of relevant departments into the government performance appraisal system.
Beijing News reporter Zhang Lu