2020年4月3日

0作者简介:我不会说我很快急于买房,但我想有一个严肃的谈话当我大约27或者28。但即便到那时,我不确定它是否会财务状况良好决定买房子,或者我应该首先租。为了缓解这种形式的财政负担,C rowd成立。这是一个点对点(P2P)贷款平台连接那些寻找资金一个家银行愿意资助这个项目感兴趣。根据他们的网站,这也是首次为P2P贷款抵押贷款和消费融资启动,这是由住房和当地政府的许可。所以,谁是他们的目标市场,你问?中等收入的千禧一代,特别是如果他们首次购房者。“由于这几年房地产市场风险较高,传统银行变得非常挑剔批准房屋贷款的借款人。因此,不包括中产阶级收入千禧一代”的创始人戴夫咀嚼HomeCrowd,告诉火神。在这个时候,高生活成本,戴夫告诉我们,他见过许多千禧一代采取额外的工作收入,特别是从演出经济谋生。 But even with this, it’s not been enough. “Many of them complained about their loan application not being approved despite the fact that they are able to serve mortgage instalments combining their primary and secondary incomes,” Dave said. Thus, HomeCrowd began focusing their efforts towards making sure that this group of people were no longer excluded in the journey of finding a home of their own. Keeping Funny Business Out Despite being a P2P crowdlending platform meant to serve people better than banks, Dave told us that HomeCrowd is still strict about their background checks. “For us, we don’t take the credit risk lightly. We will check the borrowers’ credit worthiness by looking at all their sources of incomes and current debts outstanding before they can be qualified for crowdfunding campaigns,” he explained. Their vetting process is also supported by Experian, tocheck on the credit scores of borrowers. But even if the team finds out that a certain individual doesn’tqualify, they refrain from outright rejecting them like what a traditional bankwould do. HomeCrowd still engages in conversation with them about the ways to improve their credit score so that they could one day qualify for home loans in the future. Some of their team members during the Chinaccelerator Batch 16 session / Image Credit: HomeCrowd My biggest question about this was perhaps the awareness, or shall I say likelihood of lenders coming on board to HomeCrowd to lend money to total strangers. Yes, P2P platforms exist and are widely popular in Malaysia—but it’s different when you’re considering borrowers who might have been turned down by banks because of a bad credit score, or something similar. “For lenders, we promote a fixed return as the loan issecured from the property,” said Dave. But if all else fails, and the borrower fails to pay up, two further steps are considered, which is either a restructuring of the loan or a separate donation crowdfunding effort (legitimate cases where unexpected medical bills come up, etc.). If that doesn’t work, both legal action and property foreclosurewill be considered. If the property ends up being auctioned off, all the moneycontributed will be returned to the lenders. No One Left Behind When it comes to finding lenders, HomeCrowd partners with institutional investors such as property developer Cagamas and other partners to make sure that the ratio of borrowers doesn’t overshadow the parties that are willing to lend. The team hard at work / Image Credit: HomeCrowd “Of course, the max price of property has to be RM500k (fromwhich 90% of the acceptable financing amount is RM450k), the threshold set bythe Malaysian government for affordable household pricing,” continued Dave. The lenders will have the flexibility to choose based on their desired interest rates, the summary of the property info, and the borrower’s own personal profile. All of this is done with HomeCrowd taking a 0.5% interest margin from deals between the borrowers and lenders. “As this is also a social impact investment, we will sendthe lenders community periodic updates on the developments in the millennial’slife,” Dave told us. “In the long run, we will look into shared equity property and rent-to-own products that will help young homebuyers,” he shared. Bottom Line: It’s too soon for me to look at home loans, but I do believe that HomeCrowd has got a good thing going on. If I somehow don’t qualify for a traditional house loan from the bank (for some reason), it’s nice to know that I might still be able to own property without having to rent all my life. You can read more about other Malaysian startups we’ve written about here .