Shimao Real Estate is exploring cooperation with insurance, bank and bulk electric dealers

Absrtact: July 7, Shimao Group Vice President Cai Sheme in Rick and Rui Real Estate financial Situation analysis, pointed out that when the housing sales to a certain level, we must seek change. According to Cai Sheme revealed that the Shimao real estate is with insurance, banks, the bulk of the electricity business to explore cooperation, but also

July 7, Shimao Group Vice President Cai Sheme in Rick and Rui Real Estate financial Situation analysis, pointed out that when the housing sales to a certain level, it is necessary to seek "change."

According to Cai Sheme, Shimao Real estate is discussing cooperation with insurance, banks and large electric dealers, and will also implement independent broker system. In the second half of last year, Shimao proposed to be a life service provider, creating five cloud platforms including education, health, business travel, consumption and customization.

Cai Sheme Vice president of Shimao Group

The main reason for the reform of the housing enterprises is the emergence of a number of "real estate + Internet + Finance" platform since 2013. After the peace and good housing network, by Sina and easy to center country together to build the Internet real estate financial services platform "'s" will be officially launched in mid-July; and Ping An group of real estate electric business platform-ping Good housing network launched in June, "Good house treasure", claiming a yield of up to 14%; good Fangbao union Hangzhou de Xin Real estate launched the " Tak Shin Ping hao Fangbao 1th "will be launched in July.

According to ping good Room network chief operating Officer Zhunno introduced, good Fangbao is to prepare for the purchase of customers to provide tailored cash management products, the basic principle is the financial help real estate sales, enhance customer stickiness, make it a safe near billion customer migration "new entrance."

"Tak Shin Ping hao Fangbao 1th," The first residential project locked in Hangzhou, is located in the future of science and Technology city, good morning letter. For the project's good house Bao products are scheduled to open on July 1 for sale, 20,000 yuan deposit, 10 per person limit purchase, the estimated annual return of 14% (Fund + housing Deposit), the fund buyers can be redeemed within 180 days. In addition, in Germany letter good morning down the first day of the purchase, and subscribed to the "Tak Shun Ping hao Fangbao 1th" of the home buyers, will be good Fangbao special subsidies for additional revenue (the annual income of 16%), the two combined with a comprehensive annual return rate of 30%.

According to the introduction, good Fangbao purchase number has more than 15,000 people, not expected to be hot, but according to safe house Internet financial executive Han Xiao revealed that the good House will also launch good Fangbao 2nd, 3rd and other products. In addition, a good Fangbao is working with banking institutions, and the bank to be bound will increase to 26 by mid-July.

Ping good Room online at the beginning of the line, its business model by peer criticism, online prices and sales office house price mismatch and other issues are repeatedly questioned by the industry, on the day that closed second-hand housing, rental two channels. 21st century economic reporter through continuous tracking found that the safe and good room online availability is not rich enough, user experience is limited.

Han Xiao continue to analyze, good Fangbao mode is the first after the selection of the dish, and the traditional first to take the tray after the real estate electric business model. Compared with the wealth management products, "good house treasure" in the absorption of home purchase funds, is committed to creating real estate financial "closed loop."

Comprehensive statistics Bureau of Statistics, Beijing, Shanghai, Guangzhou, three first-tier city of new home transactions in the amount of about 800 billion, the industry believes that if the good Fangbao can be 30% of the first payment to operate, its virtual liquidity is up to more than 200 billion. But it's just a good hope.

China Real Estate Purchasing Alliance E-commerce platform chief Cloud expert Kaoshaoyi to the media that the downward trend of real estate has been formed, e-commerce and internet finance on the real estate industry can not be ignored. Kaoshaoyi that the financial industry and the electrical business cooperation, can rely on the accurate channel to obtain quality customers, reduce customer development costs, to prevent credit risk; real estate dealers and financial institutions can not only provide a one-stop solution for their customers, but also take advantage of the bank's business outlets and promotional resources, Cross-industry publicity and marketing, Enhance the overall competitiveness of their own platform.

A few days ago, the search house will be a stake in the world, as early as 2013, its "Home cloud loan" on the start trial, a single month of credit volume up to 50 million yuan, this January, home cloud Loan network platform end and mobile terminals officially on line.

Home cloud loan out of the banner without collateral and guarantee, mainly due to the bond between the World Bank and customers. Wang, Vice general manager of the World Union Bank, home cloud loan only for the real estate owners, the loan amount for the purchase of half of the source, the loan period is divided into 3-6 months of short-term loans, the monthly interest rate is 2% of the principal, long-term 1-3 years, the monthly interest rate of 500,000 yuan of the following loans for 1.2%, 500,000 yuan above 1.4%.

But some insiders point out that the innovation of real estate financial products, looks very beautiful, but there are still a lot of practical bottlenecks, such as customer acceptance and network security issues. "Financial products are required licences, and some of the products can only be short-term transition products, can not guarantee lasting." Innovation is just a gimmick. ”