Crowdfunding buy: 1,000 yuan investment ten million villas, you dare to believe?

Spend 1,000 yuan, you can "make people " to buy a set of ten million villas? This sounds like a joke, but it came true last week in Dongguan. Recently, Dongguan, Guangdong, a site launched a crowdfunding villa project " room baby " , the " crowdfunding " concept linked with the real estate, triggered a lot of attention.

9 hours to gather 18 million yuan

According to the group loan network staff, " room baby " project is the first group launched by the community loan crowdfunding products. The site from CITIC Yuyuan project booking a number of housing, the purchase of funds from the Internet to raise funds to buy. And until the site will sell the villa resale, crowdfunding will be allocated in accordance with the share of investment sales proceeds. In simple terms, a group of Internet users who do not know each other " chipped in " to buy a villa until the villa is revalued for sale, thus obtaining a return on investment.

As a result of the transparent mode of operation, and the price below the market price of villas to buy houses, so the project once launched by the network favorable. According to the group credit network, the minimum investment for the product share of 1,000 yuan a, the first crowdfunding goal for a set of 14.91 million yuan villa. The total crowdfunding goal of 14.91 million reached only 22 hours, raising a crowd of 443 people. The target of the second set of 18 million yuan was reached in just nine hours, with a crowdfunding of 630 people. Tang Jun, CEO of the group loan network to the Beijing News reporter said that because they are at the market price of about 70 % of the purchase of the villa, assuming that the villa within a year to sell at the original price, the proceeds will be considerable. The CITIC Royal Park also confirmed this view.

" They (group loan network) in our one-time purchase of a large number of houses, given a certain discount is affirmative. " CITIC South China (Dongguan) Co., Ltd. media director said. But at the same time, she also stressed that CITIC Group with the credit network is just a simple relationship between developers and buyers, " There is no further cooperation between us. "

Do not promise benefits, investment risk at your own risk

For crowdfunding concern is the property rights issues, the group credit network said crowdfunding villa ownership will be commissioned by a third-party company to be found before the appropriate buyers to the buyer. The same funds raised will also be entrusted to TenPay aspects of management. Of particular note is that the group loan network for the baby room project is not any guarantee of income guarantee. " We are not committed to the ups and downs of the house, which is already stated in the contract, " Tang said.

Reporters found that, even though the project of CITIC Royal Park in Dongguan high-end projects also belong to the higher prices of real estate, soufun online quoted at 35,000 yuan / square meter. If you buy in accordance with the price of about 30 % off, and then resold at the market price, then the revenue is indeed considerable. " At present, our first villa has found a buyer, and is handling the relevant transaction procedures. " Tang Jun revealed to reporters, the villa transaction price of about 16 million yuan, net profit of 1.08 million yuan, the annualized rate of return of more than 25 % . So investors do not have to worry too much about the risk.

" This high-end villa in CITIC Yuanyuan, a very good location, in the core area of ​​Dongguan. " According to a local real estate who introduced in Dongguan, just opened, the average price of the project 40,000 yuan / square meters. The source also said that at present, the average price of ordinary commercial housing in Dongguan remained at 9,000 yuan / square meter level, if the crowdfunding of ordinary commercial housing, it may not be able to get any benefit.

The new model triggered the industry questioned

The face of " crowdfunding " this invasion of new things in the real estate industry, both the Internet and the real estate industry have expressed some doubts about this. One of the founders of Crowdfunding Network, Sheng Jia, CEO of NetEase Financial Group, said: " Modern crowdfunding refers to the issue of fund-raising projects through the internet and the raising of funds. After the successful fund-raising projects are successfully repayed by the real or the service, The matter of crowdfunding real estate itself is for the purpose of investment, with a certain degree of risk. "

Zhang Feihong , CEO of the film and television crowdfunding platform, immediately told reporters that in terms of foreign models, crowdfunding is an investment in one thing and the original intention is that of a fan economy. Therefore, the current concept of crowdfunding has developed rapidly in the cultural industry. The crowdfunding real estate is no longer the traditional crowdfunding, but more like a financial means.

In fact, the current real estate industry is no stranger to the e-commerce sales model, but somewhat hesitant to raise money for this new thing. Chen Yunfeng, secretary general of China Real Estate Managers Association, pointed out: " At present, the combination of the internet and real estate in the industry is the form of e-commerce. Whether crowdfunding mode can get return on investment remains to be seen. "

The relatives of mobile APP buy a house relatives, China Real Estate Chief Editor Cai lighting also believes that: " Crowdfunding has little chance of real estate development. " Cai lighting that the real estate industry profits have a certain upper limit, and the tax is heavy. It is impossible to obtain the same high return on investment as the cultural industries, thus limiting the development to some extent. In addition, the indivisible property of a single property in real estate will also be an obstacle to crowdfunding entering the real estate industry.

■ dialogue

Small 1,000 yuan and 1 million large, equally equal

Beijing News: Group Loan network initiated the purpose of the baby room project is what?

Tang Jun: At present, crowdfunding is still a very new industry. Generally, domestic cutting in is a cultural and creative industry, but it is not yet involved in the real estate industry. However, in fact, people in China are most concerned about the house, but because of the financial reasons, ordinary low- and middle-income families are unlikely to enjoy the benefits brought by real estate appreciation. However, through crowdfunding of the Internet, people and the house are most directly connected, Although at the moment they are not able to buy a villa for $ 1,000 , at least two have been linked through the room baby. Narrowed the psychological distance between people.

Beijing News: At present, China's real estate industry is actually in a period of turmoil, especially the second and third tier cities to the market is not very good to judge, why would choose to launch this period baby room project it?

Tang Jun: Housing baby project to sell is a model, our original intention is not to make up for shares, this step is just an attempt, the ultimate goal is actually to help small and medium-sized real estate developers in the future to achieve transformation. In my opinion, the future crowdfunding industry turns developers into service providers. So that they do not have to worry about the backlog of inventory problems, but also for home buyers to lower prices. This is equivalent to providing a customized service for both parties. For these two phases of baby room project, when we purchase the price of 70% of the market price , there is still some room for profit.

Beijing News: crowdfunding purchase, financing large number of how to decide the timing of the sale of real estate?

Tang Jun: We do not want the baby to become a capital game and become a tool for bundling large households. Here, whether it is to participate in a small household of 1,000 yuan or to participate in a large household of 1 million, they are all equal. All their disposal of the house The same right to speak. All participating crowdfunding recipients receive quotations on a regular basis and vote on whether to sell or not. Moreover, one vote per person has nothing to do with crowd funding. The first set has now been voted on, with more than 87.15% of the agreed sale.

Beijing News: rely on crowdfunding to raise funds management where? This crowdfunding model will not break the relevant laws?

Tang Jun: Money in the investor's own account, commissioned by agreement to one-on-one to third-party companies. At present, we have signed regulatory agreements with third-party companies and banks, requiring funds to be directed only to developers. This also circumvent the possibility of illegal fund-raising.

Beijing News: Hengda and Ali recently, Vanke and Baidu have announced cooperation, do you think the future of the Internet industry and the real estate industry will have what kind of change?

Tang Jun: I think now the Internet and the real estate industry are trying to engage in contacts, and already have some cooperation, such as e-commerce, group buy and so on. The future of the Internet industry real estate industry cooperation will be very common mode. Specific to the crowdfunding of this emerging things, in fact, what Wanda Plaza people can raise their own money to build, we can have their own future through the Internet crowdfunding customized life.

Lawyer's point of view

Under the current legal framework, equity crowdfunding can find legitimate operating space. Specific to the room baby this project, it is actually just a market behavior, is still in the gray area of ​​law. However, if this behavior continues to develop, it may cause a halt to the relevant departments.

For now, in order to safeguard the legitimate rights and interests of investors, crowdfunding platform needs to be further improved. Such as setting up another company that focuses investors on the company as a shareholder and mortgages real estate to those investors to avoid the possibility of crowdfunding platforms disposing of property at any time.