You need to think twice about investing in real estate

If you spend 1000 yuan, you can "whip" to buy a tens villa? As long as you spend 1000 yuan, you can invest in real estate projects, get the investment income, if the house price exceeds a certain amount, still can enjoy the highest 11% return? However, in the case of relevant regulations and imperfect market rules, the resulting legal and investment risks are worthy of investors ' attention.

The rise of real estate public

From the United States of the public investment model, in recent years, in the domestic market root germination, for many small micro-enterprises and individual entrepreneurs to solve the problem of capital. Recently, the public-funded wave swept the real estate industry, and investors sought after.

October 17, the former Chung Finance issued a real estate public financing Products ――e 2nd, the lowest 1000 yuan, the shortest investment period of three months, the annual return to 7.5%, continuous rollover of every three months of the annual return can be continued to increase to 8.5%, the longest period of two years.

At the same time, in order to truly reflect the real estate sector, the former Chung Finance and the holding of the pledge, in the "E Home surplus 2nd" 1 phase of the project expires on the day ――2016 October 31, with the Shanghai Real estate website open sales price as the benchmark, the introduction of the following strategy, That is, if the sales price of more than 33,000 yuan, investors gain a point, more than 40,000 yuan to increase 2 points, more than 45,000 yuan to increase 3 points, that is, the maximum annual return of investors will be more than 11%.

There are more than one example of public-sector projects in real estate. Not long ago, SouFun joined New Town real estate three major projects in Changzhou launched the "real estate public" activities, and High-profile hit "home buyers minimum investment of 1000 yuan, the highest expected income of 40%" sign. Prior to the SouFun has been in Tianjin and Chongqing to launch a real estate, September 12, the real estate leader Vanke Suzhou project launched in SouFun 60 percent of the real estate public to raise the market has aroused widespread concern.

and the group loan network under the "Room Baby" in mid-June this year and Dongguan Citic Royal Park Project launched a villa public, a total of 14.91 million yuan to be raised, a short 2 hours to be 443 investors to complete the purchase. Up to now, the group credit network of real estate projects have been developed to the fifth phase. The second phase of the 9-hour completion of the more than 10 million-dollar funding, the third phase even "second kill" situation, 11 minutes to raise 15.1 million yuan.

From "Buy a house" to "build"

Although the real estate public development time is still short, but has formed two models, one is the public to buy a house, the other is a public building.

For example, the public to buy a house "room Baby" site, its operating mode is that the site to a certain discount booking a batch of houses, from the Internet to raise money to buy, commissioned by the relevant companies to the property for the holding and management, to find the right buyer and then trade to buyers. After the sale of the house, the investors in accordance with the allocation of investment share of the sale of income. In short, netizens "chipped in" to buy a house and sell it for a return on investment. Take "Room Baby" to raise the first phase of the product, for example, the product sold in mid-June, by the late August, the set of public villas to 16 million yuan price sold, realize the annual income of 40%.

In contrast, Nanjing has set up a public building site, claiming to be able to make a private order to determine the location of the community, huxing, matching, neighbors, and reduce the 20% of the housing section. It is understood that the project by the Le Ju Nanjing Equity Investment Fund Management Co., Ltd. launched, Nanjing is divided into jiangning, Jiangbei, Xian Lin, such as 8 pieces of area, users can according to their own purchase intention, choose one of the areas of registration, once the number of entries in the area reached more than 300 people, public-funded projects can be launched.

According to the company responsible for the establishment of the House sponsors Chang introduction, "Through the public building this model, like-minded people want to buy a house to each of the hundreds of thousands of-yuan participation in the preparation of the building, the money will be placed in the same bank supervision of the account, earmarked, and developers to jointly take the land, by the developers to build, until the completion of the project delivery, According to the user determined before the housing area, huxing distribution. Chang stressed that with sporadic experiments across the country to build different projects, in order to comply with policy provisions, "Le Ju public chip" in full enough to enroll customers will be introduced after the mature brand open business, commissioned developers to take the land, the construction of the community, the final delivery.

In fact, in the housing market trough period, the Chinese real estate industry to shuffle the pace is accelerating. Data show that the first half of this year, the real estate industry completed the acquisition of the target of 73 transactions, the total transaction volume of 15.3 billion yuan. The deal, which was completed last year, was 35, with a turnover of 14.3 billion yuan. The transfer of mergers and acquisitions is more for the middle and small booth enterprises. From this perspective, the survival situation of small and medium-sized property developers is not optimistic.

Tang, Chairman and CEO of the group Credit net, "public housing to solve the developer's biggest pain point, that is, funds and customers, home buyers for ' house baby ' brought direct commission income, home buyers consumer behavior large database and good reputation, and buyers to developers to solve the problem of financing, reduce marketing costs, At the same time reduce the inventory unsalable pressure, developers for ' room baby ' brought a professional real estate development services and real estate development of the overall solution, but also to the home buyers brought the interior pattern and decoration customized services, property management services.

Risk investors need to think twice

Although the real estate industry looks very beautiful, but in the relevant regulations, market rules are imperfect, the resulting legal, investment risks worthy of concern investors.

On the question of whether the property sector is suspected of illegal fund-raising, according to the relevant laws, Tang said, "the perpetrator illegally absorbs public deposits and uses them for currency capital operations (such as issuing loans), and undertakes to repay the investors with interest or payment in return for the purposes of equity, money or kind, which can be identified as illegal fund-raising". And the "Room Baby" project is to use the participants themselves commissioned to purchase and dispose of the targeted property of the way, the participants at their own risk, enjoy the benefits, and illegal financing is different.

But he also pointed out that "we are not committed to capital preservation, Pausi, all investment risks should be borne by the participants themselves." The minimum investment of the group loan Net property is only 1000 yuan, the longest holding period is three years. "If there is no sale after three years, or if house prices fall, the participants can vote whether they continue to hold or sell at a loss, with more than 50% agreeing to sell them." ”

And the building of the follow-up problems more complex. Although many areas have liberalized restrictions on the Purchase and lending policy, but the market is still strong waiting mood, and the real estate sector in the two or three-line city, its ability to resist risk is more fragile.

In essence, the building is a partnership, may lead to a partnership in the process of decision-making or resolution difficult to implement. Buyers need to pay ahead of time to developers, if the quality of housing problems, investors will face a lot of risk.

On the other hand, according to the relevant provisions, developers must obtain pre-sale permit to carry out commercial housing pre-sale. and the land and construction part of the need for investors to support the funds, so that the public's investment can not be used as a housing pre-sale money. If the nature of this fund is identified as investment, then if the property is completed, developers in order to raise the price of the public to lift the contract, investors are also difficult to defend rights.

Obviously, like stocks, futures, gold and other investment varieties, there is also the risk of investment, investors should not only pay attention to the benefits, but also need to beware of risk, think twice.