Real estate finance into a home

Love wild Zhang Xin Chen Liu Qiuyan

It seems that the next main battlefield for E-Ju and SouFun is in the field of real estate finance.

Recently, Eurex announced that it has formally launched the "房 金 所", the first Internet real estate financial service platform in China, and jointly launched two real estate financial products: E-Home Network Loan and E-House Holdings Ltd. "Happy home network credit."

Earlier, Hopefluent (00733.HK) announced a framework agreement with SouFun to issue 91 million new shares to SouFun to make it the second largest shareholder of the Company. In addition, both parties plan to establish a joint venture to cooperate on real estate finance and internet finance .

Insiders said that the two forms of cooperation is not very different, all want to use Internet finance, to serve real estate finance.

Seeking a breakthrough

Hopefluent Group Chairman Fu Wai-chung revealed at a press conference on the 16th, to absorb SouFun as shareholders after most of the cooperation between the two sides are open, that is, the two sides in the real estate brokerage business online and offline resource sharing, but only if the two sides Cooperation in the financial sector is binding.

The financial joint venture company established by both parties owns 60% and 40% equity interests in Soufun and Hopefluent. SouFun and Hopeflux will each contribute approximately RMB300 million in cash and RMB200 million in cash to the JV Company as capital stock. Following the establishment of the JV Company, Hopefluent intends to transfer its subsidiary Guangzhou Bailie Microfinance Limited ("Baililai") to the JV Company for use by the JV Company in its microfinance operations. In the meantime, the JV Company will provide Hopefruit with exclusive real estate finance and internet financial services.

It is reported that Hopefluent is a small loan company obtained the business license last year, and in June the same year to set up a small loan to the company with a registered capital of 200 million yuan, all kinds of small loan business.

Fu Wai-chung said he hopes to expand the scale of financial operations through more cooperation with Soufun and to launch more financial products later this year.

SouFun on the surface is a stock agent, stock brokerage, in fact, SouFun is bound to have a heart of real estate finance fantasy.It is bound to hope that by way of shares to expand the platform, and then do more on the platform of financial products. "An industry veteran Personage told reporters.

Coincidentally, in the search room fanfare ready to enter the field of real estate finance at the same time, easy to live in this quietly test the water. Public information shows that "Housing Finance Center" is an internet finance O2O service platform jointly established by E-House and Sina to bridge the gap between qualified home buyers who have loan needs and Internet users who have the desire for investment.

E-Home Loan and Home Loan Network Loans are the first two financial products launched by the platform after the launch of the platform, and are endorsed jointly by Sina, E-House China, Public Security and Sina Payment.

This model, with the search room looks almost exactly the same.

Who first found the way

Zhejiang, a public fund leader told reporters that the real estate and financial grafting is still in the original stage of cooperation. "For example, in one of these products, it is said there will be a fixed income." In fact, these products can not have a fixed income.

In fact, if the financial service platform does not have the ability to integrate, operate, design, manage and innovate products, real estate finance such as soufun will not be able to return to the essence of finance. In the end, it is only a beautiful term that attracts investors with few users. Data Basically, it is very rare.

"Most of these collaborations have been written very clearly at the front and ambiguous at the executive level. However, everyone is looking for ways to bring a shortcut to the real estate industry and bring some room for survival." The director of the public fund mentioned above told reporters Due to the relatively developed grassroots economy in Zhejiang Province and the high degree of concentration of private enterprises, many models for water testing have long been used. However, up till now, no clear-cut model has been found to solve the troubles of housing prices in money.

This does not prevent E-House and Soufun treat real estate finance as the main battleground for the next battle. In fact, Vanke, E-House and Soufun are trying their best from an information vendor to a pilot real estate finance field. From the housing prices continue to bank shares, real estate and financial integration gradually deepened.

As for how the real estate finance law, or that real estate is not suitable for grafting with the financial, most of the big guys have not want to understand, but for the capital market, it is time to hit a shot, or evaporate how the market value come back? To tell a special gimmick story.

This is not only easy to live, the focus of the search room competition, but also real estate enterprises are trying to break the field.