Buy now pay only a fool ! teach you not to spend money to buy a house ! ! !

buy now pay only a fool
; teach you not to spend money to buy a house

last night, and a pawn to open the students to drink. -
- I asked the students,
- -
-
production on it! Mo forget about my heart, very suspect! -
- -
- students, then I simply deafening, so I was stunned. I immediately consulted widely. As a result, some students say to me
incredible, and Frightening words ...... the following, all my classmates, even though some words out, but the basic semantics I still
relayed clear of. -
- First, buy a house without money, how do you operate? -
- students, then - -
you know, my pawn business entirely on the money begets money. First buy a house, although I have the ability to one-time full payment, but I
or do not want the house so much cash was crushed to death. At that time, is popular
bought a house (loan period of one year.) -
- for one year, also paying back the principal and interest to the. Fortunately, I do not know it? Or my bad luck! At that time, my money is a business
business occupies. For business, I not only do not play back the principal did not say, have another new loans. Compelling, I find the old relationship - Silver
ditch line of credit against the manager. When I muttered to the
, credit managers are secretive smile, very readily agreed. -
- credit manager give me the idea is simple: let my wife to double the price, the loan to buy my house, the loan period is also a
years. -
-
-


can not get a person, I at least give him 50,000 points.
laugh ...... -
This is my first time buying experience. -
- I buy a house later experiences are similar, that is: a firm does not dig a penny, all with a bank loan to buy a house; and then
, the truth is unknown if the meet investors (that is the investor, in fact Shamao) to buy a house, then sell him. If you have not
investors to buy a house, then continued to increase their lending to their own house, keep the money with the bank debt of the banks. -
- and, I'm the pawn, and the relationship with the bank average person can not compare. Ordinary people to buy a house, most choose 20 years at
mortgage, and I always buy only loans for one year before maturity of the principal and interest. This operation, do not pay for months. The loan maturity
, I just doing the In fact, I do not have to dig a penny. -
- Second, I do not believe, in real life to have such a ridiculous thing. You talk about the -
- student's words: brother! I see you people before you say these words dig pit of the stomach. How can you not believe me? How can you
like to believe me? -
speak of: you give me an example about the real point! -
students: you know how the king, pock fortune is it? -
of the statement:
-
students if - -
- I'll talk about. -
- Looking back, the second king of pock that abjection ah! Even he registered the company's registered capital, is my temporary lending to him. Today,
Although the surface of the king, pock scenery, he get to the money, loans from the bank; repair the house money, the builders 垫资. In short, he
is a complete -
- the house repaired, Wang pock in the second before the official opening, usually to hold an The internal sale, in fact,
the king summoned two pock-house staff and some like me, familiar in the real estate customer (or simply are received from the job fair
sets, numerous, candidate of the
This is the so-called -
- and, to report the transaction to the bank's trading price, have the internal than the actual transaction price increased by 30%. Why? Because loans
To buy a house down payment into two ah! For example, if you want to recover 100 million, then you have to price of 130 million bank loan. So
, banks give you the money is: 1.3 million × 0.8 = 104 million; you actually pocket the money is: 1040000 -4 million (to the relevant bank one
member of the -
- this way, through the internal subscription before the opening, the second king of all the pock already successfully recover the investment, to transfer all the risks
to the bank. By this time, the king will begin advertising to sell the house two pock, and the return of Loaning
building business
- to speak of: the back, how does it work? -
- students, then - -
- how do you like Bena! A little smarter people can think of, followed by methods of operation, in fact, with my real estate is the same
, that is:
If you have not investors buy a house, then continued to increase their lending to house themselves, with the banks money to keep the banks
debt.
- but has recovered since the first mortgage payment, so do not need to back operation 30% increase each time, simply
according to the original rate of increase in property prices can be a fare increase (up 14% per year). -
- What? If housing prices insufficient to pay the loan interest rate how to do? Joke, when you see the property market to China Housing
price rises lower than a year's loan interest? -
- see it! This is the only Chinese property prices could not drop prices; and, the rate of increase in house prices can not be lower than when the
the real reason for the interest on loans! ! -
- think of to find it ridiculous, some scholars have actually said,
is Chedan straight! In fact, the -
- the collapse of Shanghai Lotus Garden River as an example. Published online, the floor price of less than 604 yuan / square meters, construction cost is not to
1300 yuan / square meter (in fact, published online construction cost is not accurate. City Court lift the quality of the total of the apartment building than it is okay,
construction costs and no more than 1000 yuan / square meter) house so cheap, why do developers have to take it sold for 14,000 yuan / square
meters of it? Sell ​​low point, make less money that can not I? The answer is not enough. The reason is simple,
kind of operation again, the house must increase again. Only continuous increase, only the survival of the operation. So, Lotus River
Garden two years ago to sell 7,000 yuan / square meter last year, selling 10,000 yuan / square meter, this must not sell 14,000 yuan / square meter. As the saying goes, disk into the meat rot
price.
- There is a saying the property market in China has revealed the truth,
, not sold to ordinary people.
- old school, you think, and now the property market, housing prices had clearly far more than the actual purchasing power of ordinary people (ie,
means that the house never sell), why the rise in house prices will continue to do? And also Reasons
not? Is here! -
- Third, you said, only a very individual phenomenon, can not represent the overall situation of China's property market. -
- students, then - -
- old school, you are too ignorant of it. See: -
- Li Shubiao case: September 8, 1999 to January 15, 2004, Chenzhou City, Hunan, former director of housing provident fund management center Li Shubiao lie
get provident fund loans, bank loans, a total of 44 pens, involving 120 million yuan. -
- Cummins Case: before and after 2000, Zhengzhou, Henan Kang Ming Ming Garden Properties Limited 414 East Suite by source, in the Industrial and Commercial Bank, to pay
through banks, China Construction Bank, China Merchants Bank to repeat a total of more than 690 sets of mortgage loans, at least 2 billion cash in bank funds. -
- Yao Kangda case: From 2002 to first half of 2003, Industrial and Commercial Bank of China branch in Shanghai Waigaoqiao Free Trade Zone to the
mortgage paid 71.41 million yuan, 128 housing units for speculation. -
- the case of false mortgage Sen Howe: from mid-1997 to the first half of 2002, China arrived in Beijing Real Estate Development Company to Sen Hao apartment, too
the guise Lee Garden, false mortgage means taking to the BOC Beijing Municipal Branch, Beijing banks, Zhongguancun Branch, the exhibition road branches of Bank of Beijing
three banks totaled 1.62 billion 骗贷. (See
- China Construction Bank Guangzhou Branch of the case: In 2002, the Audit Commission checks Construction Bank branch in Guangzhou eight housing mortgage loans, found that one billion
element of false mortgage. Shanwei City, Guangdong Province alone in a public security expert, deputy director of a bureau, that fraud Fangcun Branch of China Construction Bank in Guangzhou mortgage
3793 million. -
- Ping Qu Shanghai case: In 2006, Shanghai Pudong Development Bank has been lending in Lujiazui branch, found that individual housing mortgage loans billion
there shall not mortgage real loan agent And the song was later found up to 91 mortgage-related, involving an amount of 400 million yuan
so. Bank commissioned the housing agency had sold a mortgage, to recover problem loans. -
- with the Thai case: In 2006, Thailand Beijing real estate company with 87 suspected of using fake owners 签购房合同, 骗贷 67 million from the bank
dollars. -
- Chengdu fictitious real estate Piandai case: 2005 to 2008, the suspect collusion Tangmou Chengdu Housing Authority staff to virtual
the way for real estate agencies real estate license to 骗贷. Has been involved in real estate license has been found in more than a hundred sets, involving an amount of nearly twenty million yuan
! But the situation still further development. -
- Also this year, the precise requirements of the CBRC repeated orders,
prevent the inflow of funds into the property market of credit.
- old school, you think, why so many such things happen it? Why is the country's banks are knows to be false according to
real estate mortgage, we should also lend to them? Is the bank officials are a fool? -
- in fact, bank officials are not stupid. -
- The reason is that, within the bank staff is working hand in glove with the developer's associates. Involved in the operation of some of the bank's internal staff
never hope to pay loan interest by home buyers for the bank to make money, and frankly, they are involved in dividing the spoils - they and the developers
steal with ill-gotten gains, the risk onto the national bank, and pay the real buyers. Once the real buyers can not buy
down this huge bill, bank on the crisis. -
- this time, the pay is that people across the country, the State must recapitalize banks and eliminate bad debts. Countries where the money come from? Print money!
results? Inflation, rising prices, hundreds of old money is worthless, or that the people's money robbed, robbed by whom?
plugging snatched by the state, the blocked developers and banks to increase the bore out of the hole. The hole is so large, blocking is an ugly
ugly scar, and pain will always be people. -
- so I would say - the real estate industry has become a relevant units, the relevant departments to unite divided countries, the money (in fact, people
deposits) of the props. -
what the big deal illegal? Bank officials are not afraid ah! As long as the surface of the paper formalities complete, I have no responsibility.
is false even if the mortgage loans, what is the relationship? Moreover, the background state banks, is also not afraid of losing some, anyway, the bank officer
members are now made money on the line. As for the bank after the point of death, there are countries to manage natural Moreover, bank officials that is the next thing. Difficult
blame bad debt rate of the Bank of China more than 40% actually! Originally, in China, the biggest corruption in the bank! !
- four, I still think this is a very individual phenomenon. If you speak a common phenomenon, why has not the developer is closing
building it?
- students, then -
- for many reasons, simply are:
- 1, you do not care about the real estate industry news. Such as
had become a
- 2, as the developer associates within the bank, covering a good reason to do the work, the case did not exposed.
- cover how to do the work? Is very simple - just a nearly debt, developers will be and the
since sold the house again increases (mortgage) the other's
. This operation, the developer will never be repossession.
- Although this operation, housing prices will continue to rise, and soon much more than the actual affordability of ordinary people (which means room
child never sell.) However, this operation, if the only kind of program from the official point of view, only the formalities of view from the surface of the paper, then,
it is always legal. This is the bank officials to developers who dare to cover for a reason - because the banking system at present is,
as long as the surface of the paper formalities complete, the bank's officials, there is no responsibility.
- Five, you mean is that the current system of bank loans has a serious flaw?
- students, then -
- of course!
- I can not spend money to buy so many houses and pavement, and even set out from the bank by the house so much working capital business, this
all, all thanks to loopholes in the system of banks ah! Bank loan system, is really the
- as a pawn shop owner to peer point of view, I think that the loopholes in the system of bank loans are:
- 1, the assessment of the value of collateral method was flawed.
- for example, clearly developers get used only 50 million, but he can use this to 1 million mortgage loans; for example, the developer revised floor
repair to the roof, obviously only the 70 million (including the money), but he can use this floor, 2 million mortgage.
- if, in accordance with the rules we pawn to do, things will happen then? -
- When the developers mortgage with the land, I will personally to verify: developers get the land, it really gave the government 50 million
. And, if this is the case, he can only loans to 40 million. Because I want to risk funds accrued ah!
- When the developers of mortgage loans by the House, I will personally verify: developers fix this building, it really took 20 million (
count only the construction cost, excluding land). I will follow all kinds of labor, a variety of building materials to account for the lowest floor of the construction costs.
and, if the developer did repair the floor, spent 20 million, he can only loans to 70 million × 0.8 = 5600 million (not even in touch with
charge).
Finally, when home buyers mortgage loans, I am absolutely not in accordance with the
can get the loan amount: 70 million × 0.8 × housing area / total area of ​​this building.
- for example: there is a merchant selling clothes because the business turnover, the need to dress as collateral to bank loans. Tell the bank
is the Or the
- of the statement: Of course the ex-works operator. If calculated according to the retail price, then do not sell clothes shop business altogether, he straight
pick the clothes sold to the banks to make money faster! Well, I see, no wonder there will be in China,
's; real estate is sold to the banks, not sold to ordinary people
- the words of the students: Yes, ah! The value of housing collateral, the transaction can not be determined customers ah! !
- 2, methods of accountability defective
- In my pawn, I
procedures can be regardless of your paper is already complete, as long as you are responsible for the business is a problem, hey! I find you afterwards! ! !
- In addition, 1.62 billion loss to the State Mori ho false case after exposure to the mortgage, is not actually related to the bank officials were held accountable, this
how can it? Hey! If such things happened in my pawn shops, do not say let him ruin and death, I will at least let him and his
relatives bankrupt! ! !
of speech: Yes, ah! After the financial case, but still did not hold the responsibility of the relevant bank officials. It were me, I think
playing sloppy
you mentioned here, even my stupid people who know how to straighten the property market - as long as strict financial system so that real estate people do not
access to speculative funds, the property market bubble will disperse naturally! !
- students, then - -
- you finally wise for a while. Pity! ! !