7 million, rent for a lifetime "vanke millet apartments", would you do it? -Millet, Lei, millet apartment-IT information
Vanke and millet are testing the market for the new model of real estate, the origin of an odd source:
Millet company staff revealed that vanke and millet from cooperative housing matters began negotiating after the Spring Festival, in early March to formalize cooperation. Millet company has now started the subscription registration process, all employees may subscribe .
There are two project types to choose from: an ordinary residence, with 70-90 square meters of two main price approximately 55,000 yuan/square meter; a pile of spelling, with an area of 178 square meters, cost 9.5 million-10 million Yuan.
Another introduced millet staff, cooperation project grades and go even higher than China vanke Emerald, yongfeng industry base around the second-hand house prices currently more than 80,000 yuan, which means cooperation projects if the sales of commercial housing, the price is likely to exceed 100,000 yuan/square meter.
However, in accordance with their intention to cooperate, millet, though the staff at half the price of the purchase at the market price, but without property rights and real estate, are not traded on the open market, only in the internal transaction millet company, cannot be settled in the Beijing Hukou.
If you look at the message, quite a lot of real estate terms: subscription, stacked together, vanke Emerald (product lines), average price, if the light from the source, rice noodles are excited: young people first House will come out.
Don't worry, I smell out of millet and vanke PR deep routine, two mobile phone plant employees, professional real estate terms used to describe the company has yet to admit that real estate projects, logically understandable, after all, this is millet and vanke to advance and retreat of the Repertoire, because mere rumors.
Vanke's unease is this foreshadowing, but it wasn't the Internet innovation
Starting in 2013, vanke's performance in the market very nervous, since October, led Vice President Zhou Weijun Yu Liang, Zhu Baoquan and other executives visiting Ali Baba on December 9 to Tencent January 14, visiting the Haier Group, in February to millet.
13 the end of stagnation in vanke's frank in an internal speech, he worries about the future of real estate industry will appear similar to millet's spoiler. Vanke, was more involved in marketing and Ma Jiajia was invited to lecture in real estate circles and rings set off a wave of Internet "thought reform of the Internet real estate" reflection wave
Such of disturbed also reflected in executives of trends Shang: 2014, in Wang Shi of blessing sound in the, 94 joined vanke, do has 14 years Tung secret of xiaoli left, joined has room more, is said to have is capital direction, except Qian years of news zhiwai, xiaoli has completely away from has mass sight, and according to room more related people revealed: advise members don't nothing, xiaoli also in room more of shareholders group and executives group in, also has been is responsible for financial plate. Naturally with a lot of things again, let the bullets fly again for a while. The other executives, it is depression "church run" Mao Daqing, engaged in entrepreneurial space of Web startups in the tide, on September 10, 2015, vanke's Senior Vice President, said in a statement the group Mo Jun early retirement ... ...
In this volatile and unsettled, vanke has always wanted to own industrial upgrades through the Internet, such as vanke property here, vanke chain companies working with the depth of chain home, making home improvement market.
This cooperation with millet has not yet been officially recognized, in fact, a few days ago has been exposed in real estate circles, but today was "millet employees" with public relations gimmick, and described.
Such cooperation can be seen as diplomatic in the face in the new period in the future market of "trial and error" is disturbing, vanke's judgment in 2014, vanke, the largest-ever meeting mentioned:
We believe that the Internet will change the world, but cannot adapt to changing organization will be eliminated. But we also believe that more important than the perceived change, is found behind the change does not change. When a new era when the curtain opened, traditional businesses should do, not far from their familiar territory, but to understand the new rules, find new partners, new tools, the original businesses do a better job.
Choose to work with millet, is bound to be concerned by the market, but in my opinion, this really has very little relationship with the Internet and simply a new model of real estate leasing, rather than sales. And looks there is not much risk of such cooperation.
According to prepared "propaganda-caliber" message confirmation, Reebs should be on Twitter soon happily and not what fans of the zombie army exchange of relevant information.
"Rent for sale" the secret behind
According to the Standing Committee of the Beijing Municipal Government to consider through the 2017, Beijing's State-owned construction land supply plan in 2017, the city plan for 3900 hectares, compared to 2016 plans to cut 200 hectares. Among them, 610 hectares of residential land. In 2016, Beijing plans to supply a quantity of 1200 hectares of residential land.
Beijing authorities said this year Beijing commercial housing for the implementation of the plan will be better than last year's--2016-year plan this year is much more supply, but completion rates are very low. Seen from the physical quantity for this year will exceed that of last year.
However, as with many developers, vanke also face is how to get the land.
Land cost prices, but China vanke in 2016 to get a "limit", Beijing in 2016 930 after the purchase, the introduction of a "limit price premium" pilot.
On December 1, 2016, vanke yongfeng two self-sustaining projects, obtain plots, and rumors of "millet apartments at half price", it is in this land. According to the land requirements, two pieces of residential land price 53400 Yuan/square meter, all projects build self-sustaining. This is the Beijing bid, auction history's first self-sustaining land 100%.
In other words, vanke to only get the rent cannot be sold. This also explains, why not get "two-card" certificate of State-owned land use permit and relationship between these two key documents of the right.
If you can't sell, apparently is not cost-effective as a business, but if you can? According to 930 of the holding period and land transfer period. During enterprise bankruptcy and liquidation, self-sustaining housing in accordance with the relevant laws and regulations; merge and reorganization of enterprises or equity transfer involving self-property right transfer of commodity housing, subject to the territorial Government for sale. Following the transfer, may not change the self-sustaining housing planning purposes should continue to be used for rent.
Also on exists a may: vanke can put this project "transfer" to third party, such actually is disguised of for has funds of return, so with millet of cooperation, also does not strange, and eventually buyers of, is is filled with blood to buy room of "millet employees" are, but actually so-called half prices myth, is not company of charity, but Government of limit, and is for developers of "only rent not sale", and employees are through all raised of way is may through buy segmentation of unit, and not so-called of single residential.
Vanke, followed by property services can be made, if the construction business with completion of the project, the long-term benefits, but also can be guaranteed. This cooperation is not a "modification of the Internet real estate" case, all the excitement of rice flour, real estate professionals can wash sleep!
No title deed mortgage how to do it?
Although rising house prices around, according to the general development methods, vanke cannot be sold, can only be rented, although similar to apartment hardcover + vanke property is attractive, but rental yields are not enough to support prices.
In other words: calculation according to the 90-square-meter house, just need "millet 70 tenants" to pay is: total 4.8 million.
According to the so-called "mortgage loan", where provident funds cannot be made only commercial loans, calculated in accordance with 4.9% interest rates in February, loan 30 is required: 2.4 million down-payment + interest + 2.18 million 2.4 million of principal = 6.98 million, equal to about 7 million, average prices per square meter are 77,600, and monthly payments of 12753.36 ().
Of course, there is a possible, is millet employee welfare high, 4.8 million-to rent a place, is something every minute.
Need tips of risk is: no property and land titles of House, is no approach for normal of housing mortgage loan of, such of mortgage way, may is so-called of "delegate loan", delegate loan is by government sector, and enterprises and the personal, client provides funds, by financial institutions (trustee people) according to client determine of loan object, and uses, and amount, and term, and interest rate, issued of loan. Trustee on behalf of the financial institutions are responsible for issuing, monitoring and assistance in the recovery, and is not responsible for any form of credit risk.
If we apply to this project the Bank accepted the developer's delegate, lending to landlords, assist developers in settlement payments and interest, interest income is also owned by the developers, of course, this is only one possible way, which is still subject to final published.
There is a possible, is millet provide interest-free loans to their employees, in this case, pressure on the staff will be very small, but Reebs will do good deeds, let their employees with their own life, remains to be seen.
This is the final price, House finally vanke's interest may also be developers or millet, and age will shrink because the duration and delivery of reasons in 34, only about 66 years, I do not know whether you want this House.
In other words, spent 7 million, rent for life, and then there's normal expenses such as management fee, water and electricity, and it's hard to enjoy the benefits of rising prices, as this "right to use" House only internal flows, there might be working for a company for a lifetime, would you do it?
花700万，租一辈子万科“
小米公寓”，你愿意吗？ -
小米,雷军,
小米公寓 - IT资讯
万科和小米正在试探市场对于房地产新模式的态度，缘起一条奇怪的信源：
小米公司一位员工透露，万科和小米合作建房事宜从春节后就开始商谈，3月上旬正式确定合作意向。目前小米公司已经启动认购登记工作，全体员工均可认购。
有两种项目类型可供选择：一种为普通住宅，以70-90平方米两居为主，均价大约为5.5万元/平方米；一种为叠拼，面积为178平方米，售价在950万-1000万元。
另一位小米员工介绍，合作项目档次和定位甚至会高于万科翡翠系，目前永丰产业基地周边二手房价格普遍超过8万元，这意味着合作项目如果做成可销售的商品房，价格很可能会超过10万元/平方米。
不过，按照双方合作意向，小米员工虽然能够以市场价一半的价格购房，但无法获得产权和房本，也不能在公开市场自由交易，只能在小米公司内部交易，也不能落户北京市户口。
如果从这条信息当中来看，颇有很多地产专业术语：认购、叠拼、万科翡翠系（产品系）、均价，如果光从这条信源当中，可能米粉们激动万分：年轻人的第一套房子就要出来。
别急，笔者嗅出的是小米以及万科公关深深的套路，两个手机厂的员工，用很专业的房地产术语来描述公司尚未承认的房地产项目，从逻辑上可以理解，毕竟这是小米和万科可进退的套路，因为仅仅是传言嘛。
万科的不安才是这次合作的伏笔，但并不是互联网创新
2013年开始，万科在市场上的表现就非常不安，从10月份开始，郁亮带领副总裁周卫军、朱保全等高管前往阿里巴巴学习；12月9号前往腾讯学习；14年1月，前往海尔集团学习、2月前往小米学习。
13年底，郁亮在万科的一次内部演讲中坦诚，他担心未来房地产行业会不会出现类似小米的搅局者。后来房多多介入万科营销和马佳佳受邀演讲，在地产圈和互联网圈掀起了一股“互联网思维改造房地产”的反思浪潮
这样的不安也体现在高管的动向上：2014年，在王石的祝福声中，94年加入万科，做了14年董秘的肖莉离职，加入了房多多，据说是资本方向，除了前几年的新闻之外，肖莉已经彻底远离了大众视线，而根据房多多相关人士透露：奉劝各位不要无中生有，肖莉还在房多多的股东群和高管群里，也一直负责金融板块。当然房多多的事情放一遍，姑且让子弹再飞一会儿。另外一个高管离职，则是郁亮“教会跑步”的毛大庆，投身于创业空间的互联网创业大潮中去，2015年9月10日，万科发布公告称集团高级副总裁莫军提前退休……
在这种动荡和不安中，万科始终想通过互联网进行自己的产业升级，比如万科物业的住这儿、万科与链家深度合作的万链公司，打造家装市场。
而这次与小米尚未被官方承认的合作，其实早几天已经在地产圈被曝光，只不过今天被“小米员工”用公关的手法，又描述了一下。
这样的合作可以看做是万科在新时期下面对未来市场的“试错”，是不安的，万科的判断在2014年，万科史上最大的工作会议上有提及：
我们相信互联网将改变这个世界，而不能适应变化的组织将会被淘汰。但我们也认为，比察知变化更重要的，是找到变化背后的不变。当新时代的大幕揭开时，传统该企业应该做的，不是远离自己熟悉的领域，而是理解新的规则，寻找新的伙伴，运用新的工具，将原有的业务做的更好。
而选择跟小米合作，势必会被市场所关注，但在笔者看来，这其实跟互联网的关系并不大，仅仅是一种全新的房地产租赁模式，而不是销售模式。并且这种合作看上去并没有太多风险。
如果按照事先准备的“宣传口径”，消息确认后，雷布斯应该很快就会在微博上愉快地与没啥粉丝的僵尸水军们交流相关信息。
“只租不售”背后的秘密
根据北京市政府常务会议审议通过《北京市2017年国有建设用地供应计划》，2017年全市计划供地3900公顷，相比2016年的计划减少了200公顷。其中，住宅用地610公顷。而在2016年，北京住宅用地计划供应数量为1200公顷。
北京市相关部门表态，今年北京市对商品住房供地计划的执行力度将好于去年——2016年虽然计划供应量较今年多，但完成率很低。从实际供地数量上看，今年会超过去年。
尽管如此，与众多开发商一样，万科同样面对的问题是如何拿到土地。
土地成本决定了房价，但万科在2016年拿到了一块“限价地”，北京在2016年930限购后，推出了“限房价竞地价”的试点。
2016年12月1日，万科获得永丰两个自持项目地块，而传闻的“小米半价公寓”，正是在这个地块上。根据土地出让要求，两幅土地的住宅限价53400元/平方米，项目建成需全部自持。这也是北京土地招拍挂史上首宗100%自持土地。
就是说，万科拿到的这个地是只能租，不能卖的。这样也就解释了，为何拿不到“两证”即房产证和国有土地使用证这两个关系确权的关键文件。
如果不能出售，显然作为商业公司而言是不划算的，但是如果可以呢？根据930的规定，持有年限与土地出让年限一致。持有期间，企业出现破产清算的，其自持商品住房按相关法律法规规定处理；企业进行合并重组或股权转让涉及自持商品住房产权转让的，须经属地政府同意后整体转让。转让后，不得改变自持商品住房规划用途，应继续用于出租。
也就存在一种可能：万科可以把这个项目“转让”给第三方，这样其实就是变相的进行了资金的回笼，所以跟小米的合作，也并不奇怪，而最终接盘的，则是满腔热血要买房的“小米员工”们，但其实所谓一半房价子虚乌有，并不是公司的慈善，而是政府的限价，并且是针对开发商的“只租不售”，而员工们通过众筹的方式也是可能通过买分割的单元，而不是所谓的单个住宅。
对于万科而言，后面可以进行物业服务，如果项目配建商业配套等，长期的收益，也是可以得到保证的。这次的合作并不是“互联网改造房地产”的案例，各位兴奋的米粉们，地产人士们可以洗洗睡了！
没有房产证如何做按揭呢？
尽管周边房价高涨，按照常规开发手法，万科不能出售，只能租，虽然类似于精装公寓+万科物业很吸引人，但是租金回报率并不足以支撑房价。
换句话说：按照90平米的房子来计算，刚需“小米70年租客”需要付出的是：总价480万。
如果按照所谓“按揭贷款”，这里是贷不到公积金的，只能是商业贷款，按照2月份的4.9%利率计算，贷款30年，那么也就是需要付出：240万首付款+218万利息+240万本金=698万，约等于700万，每平米的均价是7.76万，并且每个月要还款约12753.36(元)。
当然，还有一种可能，就是小米员工的福利待遇超高，480万全款租一套，也是分分钟的事情。
需要提示的风险是：没有房产证和土地证的房子，是没有办法进行正常的住房抵押贷款的，这样的按揭方式，可能是所谓的“委托贷款”，委托贷款是由政府部门、企事业单位及个人等委托人提供资金，由金融机构（受托人）根据委托人确定的贷款对象、用途、金额、期限、利率等发放的贷款。受托金融机构只负责代为发放、监督使用并协助收回，不承担任何形式的贷款风险。
如果套用到这个项目即银行接受开发商的委托，把贷款发放给业主，协助开发商结算相关款项和利息，利息的收入也是归开发商，当然，这仅仅是一种可能的方式，具体还是要以最后公布的为准。
还有一种可能，就是小米提供免息贷款给自己的员工，这样的话，员工的压力会很小，不过雷布斯是否会做这样的好人好事，让自己的员工陪自己一辈子，有待观察。
这样的最终代价是，房子最后还是万科的，利息也还可能是开发商或者小米的，并且使用年限因为工期和交付等原因也会缩水三四年，只有66年左右，不知道刚需客能否选择这样的房子。
也就是说，花了700万，租一辈子，然后还有物业费、水电等正常开支，另外很难享受房价上涨带来的收益，因为这样“使用权”的房子只能内部流通，还有可能给公司打工一辈子，你愿意吗？