Real estate e-commerce drive Internet innovation

Reporter Su strontium Shanghai reported

According to the relevant sources, Shimao Cai Cai, vice president of Mercury Group in the production of financial situation analysis meeting said that the current sales of real estate prices reached a certain level, we must begin to seek change.

According to Cai Xuemei said Shimao real estate is working with insurance, banks, bulk electricity providers to explore cooperation plans, will also implement an independent broker system. From the second half of last year, Shimao proposed to make life service providers and build five important cloud platforms including education, business travel, health, consumption and customization.

Forced the main reason for the reform of housing prices, since 2013 emerged a number of "real estate + Internet + financial" platform. Following Ping An Good Housing Network, Sina and E-House China jointly build the Internet real estate financial services platform "Housing Fund" will be formally launched in mid-July; and Ping An Group real estate e-commerce platform - Good House June Launched "Good Fortune", claiming that the yield as high as 14%; Good Fortune joint Hangzhou Dyson Real Estate launched the "Goodoneal Good Fortune 1" will be launched in July.

According to Ping An Hao Fang Chief Operating Officer, Connaught House introduced Good Fortune is ready for the purchase of customers to provide tailor-made cash management of financial products, the basic principle is the financial support for real estate sales and enhance customer stickiness, making it safe Nearly 1 million customers migrate to the "new entrance."

The first apartment project to be locked in Hangzhou by "Good Credit Fortune 1" is Good Morning Good Morning in Future Technology City. Good fortune for the project product is scheduled for sale on July 1, 20,000 yuan deposit, purchase 10 copies per person, is expected to yield 14% (Fund + Housing Fund), fund buyers in 180 Redeem at any time within days. In addition, the purchasers who purchased the day of the opening of Dyson Morning and the subscribers of "Good Credit Goodman 1" will receive an additional gain (16% of annualized gain) from the special subsidy of Good Fortune, The two combined annualized rate of return of 30%.

According to reports, the number of good fortune buyers have more than 15,000 people, not expected hot, but according to safe good house Internet financial executive Han Xiao said that the safe house will also launch good fortune 2, 3 and other products. In addition, Lucky House is working with banking institutions to increase the number of banks available for binding in mid-July to 26.

Ping An Hao Fang online at the beginning of its business model by peers criticized online prices and sales offices do not match prices and other issues repeatedly questioned the industry, on the same day closed the second-hand housing, rented two channels. 21st Century Business Herald reporter continued through the follow-up found that the number of good homes Ping An housing is not rich enough, user experience is limited.

Han Xiao continue to analyze, good Fortune model is the first pick after the pick plate, and the traditional take the plate after the real estate electricity supplier mode of storage opposite. Compared with financial products, "Good Fortune" Wang specifically to absorb the purchase of funds, is committed to creating a real estate finance "closed loop."

According to the data of the National Bureau of Statistics, the turnover of new houses in Beijing, Shanghai and Guangzhou first-tier cities was about 800 billion yuan last year. According to insiders, if Good Fortune can operate 30% of the down payment, the virtual liquidity is as high as More than 200 billion. But this is only good expectations.

Gao Shaoyi, chief cloud expert of China's real estate procurement consortium's e-commerce platform, pointed out to the media that the downward trend of real estate has taken shape. The impact of e-commerce and Internet finance on the real estate industry can not be ignored. Gaoyao Yi believes that the financial industry and e-commerce cooperation, relying on the precise channels of e-commerce access to quality customers, reduce customer development costs and prevent credit risk; real estate e-commerce and financial institutions, both for e-commerce customers to provide one-stop solution , But also use the bank's outlets and promotional resources, cross-industry promotion and marketing, and enhance the overall competitiveness of its own platform.

SouFun recently came out shares of the World Bank, as early as mid-2013, its "home cloud loan" began trial, single month credit amount up to 50 million yuan, in January of this year, home cloud loan network platform side And mobile terminals officially launched.

Cloud credit homeland hit the banner of no mortgage and guarantee, mainly due to the viscosity between the World Bank and customers. Wang Zhengyu, deputy general manager of the World Bank Group, home loan only for the World Bank agent for real estate owners, the amount of loans for the purchase of housing down payment of half of the loan period is divided into 3-6 months of short-term loans, the monthly interest rate-based 2% of gold; for a long period of 1-3 years, the monthly interest rate of 500,000 yuan loans 1.2%, 500,000 yuan or more for 1.4%.

But insiders pointed out that the innovation of real estate financial products looks beautiful, but there are still many bottlenecks in practical operation, such as customer acceptance and network security and other issues. "Financial products are required for licenses, and some products that work with banks can only be short-term transitional products that can not be guaranteed for a long time. Innovation is just a gimmick." (Editor Yuan Yihong Xu Wei Xuan)