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P2P借贷平台让地产投资更便捷

在英国,一种新型的P2P借贷平台兴起,为从事房地产开发和购房出租项目的投资者提供融资。

CrowdProperty计划在运营第一年从个人投资者中集资2000万英镑。第二年和第三年的集资目标则分别上涨为1亿英镑和2亿五千万英镑。

事实证明,与主流银行相比,最新推出的融资平台对投资者更具吸引力。现在,官方利率仍处于历史最低的0.5%,P2P借贷平台对投资者资产安全做出保证,并承诺回报率则有望达到6%以上,这吸引了大量的个人投资者。

LandBay 是一家专门为房屋出租项目投资者提供抵押贷款的P2P借贷平台,在五月份开始运营。Lendlnvest为房东提供最多长达三年的短期贷款,于2013年进入市场。通过CrowdProperty,个人投资者可以获得最少500英镑贷款。通过为借贷者提供贷款,该平台希望为房地产开发或房屋出租项目提供投资或再融资。投资者可以为多个项目申请贷款。

CrowdProperty一次性向借款人收取3%-5%的手续费,然后将应付利息总额(约5%-11%)返还给出借方。借款人可以为新项目申请高达100%的融资,年利率为9%-11%;也可以申请高达80%的再融资贷款,年利率为5%至6%。

为保障房地产借贷的安全,CrowdProperty采取“第一法定押记”,在借款人支付失败时,该平台有权收回资产所有权。CrowdProperty创立董事Simon Zutshi说,由于银行实行贷款限制,该平台旨在以低利率向投资者提供贷款,帮助他们解决“现存问题”。

他说:“许多英国房地产专业人士并没有得到他们进行可盈利的房地产开发所需要的资金。大多数时候,人们从他们的存款得到的收益也不能满足他们的期待。”

借款人提出的项目需要通过严格评估,核对其是否具有发展潜力。通过评估并得到批准后,借款人的项目被纳入借贷平台的项目库,借款人可以此保证并申请贷款。

今年四月,P2P借贷纳入金融市场行为监管局监管之下。但是,如果供应商破产,投资者对金融服务赔偿计划无追索权。

A new peer-to-peer lending platform is launching in the UK to provide funding for investors seeking to finance property development and buy-to-let projects.

CrowdProperty is seeking to raise 20 million pounds from individuals in its first year of operation. It will target 100 million pounds in the second year and 250 million pounds in year three.

The latest launch provides more evidence both of the appeal of property and the attractions of peer-to-peer platforms as alternatives to high-street banks. With official interest rates still at a record-low 0.5 per cent, individuals are drawn to the high returns — potentially above 6 per cent — promised by p2p sites along with the perceived security of property.

LandBay, another peer-to-peer site specialising in mortgages for buy-to-let investors, launched in May, while LendInvest, which offers short-term loans of up to three years to landlords, entered the market in 2013. Individuals using CrowdProperty can lend a minimum of 500 pounds through the platform, which is loaned to borrowers wishing to fund or refinance a property development project or buy-to-let investment. Investors can spread their loans across multiple projects.

CrowdProperty takes a one-off 3-5 per cent arrangement fee from the borrower, and then passes gross interest payable — between 5-11 per cent — back to the lenders. Borrowers can apply for up to 100 per cent finance on new developments, at rates of 9-11 per cent per annum, or up to 80 per cent loan-to-value for refinancing projects at 5-6 per cent.

CrowdProperty also secures all loans with a “first legal charge” against the property asset lent against, giving the platform the option to repossess the property if the borrower fails to maintain payments. Simon Zutshi, founding director of CrowdProperty, said the platform was created to address the “current problems” for investors in a low interest rate environment and as lending restrictions are implemented by the banks.

“Many property professionals in the UK were not getting the money they needed to make profitable property developments happen and most everyday people were not getting as much interest as they would like from their savings,” he said.

Borrowers’ proposed projects are put through due diligence tests to check they are robust. On receiving approval, projects are added to the site’s projects section where individuals can pledge money. Contributions are only taken once a funding target has been established.

Peer-to-peer lending came under the Financial Conduct Authority regulation in April, but investors do not have recourse to the Financial Services Compensation Scheme if providers become insolvent.

The government announced in its last Budget that it would allow peer-to-peer investing within tax-free individual savings account wrappers, and is set to consult on the issue in September.


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