Recently, a number of young guest apartment tenants said that since the outbreak of the epidemic, the company owed the landlord rent due to lack of funds, resulting in the recovery of the house, and the tenant was forced to terminate the rental contract. However, the rental loan signed with the bank could not be terminated. After the rent was withdrawn, the tenant was still required to continue to pay the rental loan to the bank. Analysts pointed out that the business model of long-term rent and short-term payment is high-risk. In order to stimulate the market, the platform will cooperate with banks in installment payment to reduce the short-term capital pressure of tenants, but it also increases the leverage risk. Once the platform fund breaks down and can’t provide the loan for the leaseholder, the bank will also face the risk of bad debt. < p > < p > founded in 2012, Qingke apartment is one of the industry representatives of decentralized long-term rental apartment. In November 2019, Qingke apartment was listed in the United States, becoming the “first share of long-term rental apartment” in China. < p > < p > in recent days, Qingke apartment has been repeatedly complained about such problems as the bank loan can not be settled after the tenant withdraws the lease. According to the network complaint platforms such as black cat complaint platform and 21ju complaint platform, there have been thousands of complaints about Qingke apartment since this year, mainly involving such problems as breach of contract, non refund of deposit and non repayment of bank loans. < p > < p > Hubei Mr. Chen disclosed that he signed a rental contract with Qingke apartment in October last year. Because the loan was favorable, he applied for a one-time 18 month installment loan from Shanghai Huarui bank. In June this year, Qingke apartment told him that because of the loss of housing resources, the landlord would take over the house and the rental contract would be terminated. “According to the previous agreement, after the check-out, the remaining bank loan should be repaid by Qingke apartment, but now I have checked out for a long time, and I still receive the bank’s reminder message every month.” Mr. Wang, the tenant, told reporters that according to the original agreement, when he rented the house, he handled the installment payment, and the bank gave the rent fund to the apartment company at one time. Mr. Wang had to pay the bank loan every month. If the rent was withdrawn, in addition to deducting the deposit, the apartment company would pay the remaining loan to the bank in one time. “But recently, even though we have gone through the check-out procedures, the Qingke company has not paid the bank. As a result, we have to continue to repay the loan after we have withdrawn the rent. If we do not pay, we will be overdue.” < / P > < p > according to a “acceptance receipt of refund application” issued by Qingke apartment management company, after the check-out information is completed, Qingke apartment will send a loan repayment notice to the bank. The tenant does not need to return the loan principal and interest of the next and subsequent periods, and the personal credit reference is not affected. Mr. He, a Chengdu tenant, has a similar situation. According to his disclosure, “I contacted Qingke apartment, and the other party told me that we had negotiated with the bank, and we would pay it off in one time before April next year, so I don’t have to worry about it. But now the bank credit investigation shows that it is overdue. If you want to do credit rating such as loans, it will have a great impact. ” In this regard, the relevant business personnel of Shanghai Huarui bank disclosed that in the first half of this year, due to the impact of the epidemic situation, the capital pressure on the operation platform of long-term rental apartments was relatively large, and the above-mentioned demand for loan refund generally occurred during this period; during this period, the bank has implemented the relevant policies for resumption of work and production, and adjusted the repayment amount for small and micro enterprises and individuals who are unable to make normal repayment on schedule due to the impact of the epidemic Planning, setting grace period and other ways to help ease the pressure on funds, and relevant platforms are also actively negotiating solutions to solve problems. < p > < p > Shanghai Huarui bank also said that although affected by the epidemic situation, the cooperative long-term rental apartment platform Qingke apartment has a temporary shortage of funds, which has a certain impact on the borrowers of rental housing loan, however, in line with the principle of protecting consumers’ rights and interests first, under the care and guidance of the government, regulatory units and other units, the bank takes the initiative and actively takes measures to deal with it smoothly and orderly It has achieved positive results in effectively protecting the interests of consumers and minimizing the impact of the epidemic. < / P > < p > another bank related business person who cooperates with Qingke apartment revealed that around May this year, Qingke company had broken its capital chain and could not repay the remaining loans for the tenants who had returned the lease. The bank also made some adjustments according to the actual situation. For such tenants, the follow-up loans were stopped, and the one-time repayment method of Qingke company was changed to be as follows Monthly payment. < / P > < p > according to the above bank related business people, the bank cooperates with the youth guest company to collect the tenants’ willingness to review loans and submit them to the bank after preliminary screening. The bank conducts risk control audit according to its own risk control model. For the approved tenants, the bank will issue a loan at a time, and the loan will be directly given to the apartment operator, and the later tenants will pay monthly Repayment of bank loans in the form of instalments. “For the selection of cooperation platform, the bank will first conduct a comprehensive evaluation and inspection on the platform’s own qualification and capital situation, but the epidemic has a great impact on the operators of rental apartments, leading to the problem of breaking the capital chain.” < p > < p > according to the IPO prospectus of Qingke apartment, the net loss of 2017-2019 fiscal year is 245 million yuan, 499 million yuan and 498 million yuan respectively. Zhang Dawei, chief analyst of Zhongyuan Real estate, said that apartment operation platforms such as Qingke, eggshell and Ziyuan adopt the business mode of long-term rent and short payment. They collect one-time long-term funds from tenants who obtain funds through bank installment loans and preferential incentives. Meanwhile, they pay rents to landlords on a monthly basis, and make profits by using the difference between rent price and rent payment time. “Such a mode, once the market fluctuations or misappropriation of funds, may lead to the problem of capital fracture in the operation platform, with high risk.” < / P > < p > in Zhang Dawei’s view, the real long-term rental apartment is that the institutions with assets integrate and lease the assets held, and the risk is relatively low. However, the pseudo long-term rental apartment mode with long-term rent and short-term payment mainly focuses on the fund pool generated by long-term rent and short-term payment, which is a business model with financial attributes and high risk. < / P > < p > “because long-term rent is charged in one time, in order to alleviate the pressure of tenants and stimulate the market, the operating platform of long-term rental and short-term payment often cooperates with banks for loan installment. With the gradual exposure of the risks, the banks that had previously cooperated with the rent installment loans have also been shrinking, mainly to prevent and control risks. ” Zhang Dawei said. < / P > < p > the “rent loan” business involved in the above-mentioned complaints is a installment loan business launched by financial institutions for tenants who pay long-term rent in one time, also known as “monthly installment payment”. The financial institutions establish a cooperative relationship with the long-term apartment platform. When paying the rent, the platform tenants apply to the financial institutions for loans. After being approved by the financial institutions, they will pay the rent to the platform in a lump sum, and the tenants will repay the rental loans to the financial institutions by monthly instalments. According to a number of apartment platform business people, the current installment payment is more commonly used, and the platform is also actively recommended. After recording the contract, Mr. Li asked Mr. Li to sign the loan agreement and ask him to sign the loan agreement directly. “Originally, I didn’t want to make a loan on a monthly basis, but the housekeeper said that when I signed the contract, I had determined the monthly payment, and the subsequent process must be completed. Unless the tenant’s credit has not passed the bank’s audit, it will be paid by other means.” < p > < p > a housekeeper of eggshell apartment said that the monthly payment could not flow through the apartment company, and the customers were required to pay half a year or annually. However, the pressure on the tenants to pay was greater, so they would choose to pay by instalments. “Generally speaking, monthly payment means monthly payment by instalments, which means cooperating with a third-party bank. The company needs to get the money first and then repay the bank monthly through eggshell app every month. Now the form of installment payment is more in line with the market demand. The remaining installment after check-out is paid by the company to the bank in a lump sum, and the tenant is not required to pay for it. ” < / P > < p > according to an internet bank related business personage, the long-term rent and short payment mode of apartment rental operation platform, cooperating with the bank is equivalent to the loan assistance mode. The bank will give the targeted funds approved by the tenants to the platform at one time, but the use of the funds will not be restricted. From the perspective of banks, the cost of such loans is high, and the loan interest rate is 8% ~ 9%, which is generally to cover the bottom of the platform If there is a problem with the platform, banks will also have bad debt risk. “In recent years, there have been a lot of problems with such platforms. This year, the situation is special, and most platforms have capital problems. In fact, there are very few small and medium-sized banks doing this business, mainly by large state-owned banks, but also in the form of purchasing assets for direct leasing.” However, the reporter learned from a number of banks that have cooperated with the apartment leasing operation platform that the risk has increased in recent years, and the banks have begun to tighten up the rent installment loan business. After the epidemic, the banks have further adjusted in this business area, and have been more cautious in examining and lending loans.