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[ft =, +0,] [ft =, +0,] the first important when: real estate
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buy a house mean? Means that you have a house of their own. Yes, you think so, but in China and you can not have this house, you just rent it. Because the house is yours, not your land, but land use rights leased to you for 70 years (70 years from now it is back Sino-Japanese War, who have seen the house that time?). House, commonly 30 years just about the demolition or renovation will be met. That you spend the money to buy a house, but can only be renting the actual results. Of course this is not the worst. The worst is when you find that after decades of fools! A group of hooligans broke into your house with their life savings to buy the drawing on a big split-! Then all of your belongings, like when the garbage is still out of doors, regardless of your alleging, and even still you press on a news list of the flagrant identify, any damage of the public when you will know what despair!
[ft =, +0,] narrated the Chinese real estate has a renowned joke is written like this:
ago, there was a lot to the landlord, to find a lot of lasting dry live, the landlord to have created a permanent home to a number of erection unity, one day, the landlord's advisors on the owner, said: club, long-term workers are a bit of money on hand the past few years, they live in your house, the monthly pay Zuzi not cost-effective, since they will never afford to live, do not you just sell the house they called ----- a cheats from the sale of public housing! Tell them the house they never go, you can save them money back in recent years, the landlord said: Yes, how do I rent? Advisor, said: according to income is not wrong, from a Japanese appoint of children, called the management fee! Landlord is implemented, make a lot of money, long-term employ are the cheerful ah!
A few years, the landlord of the countryside into town, and the wealthy more and more, no location to live, counselor to the landowners said: club, long-term employment are the hands and money in recent years, we give them to build a new house, called from a transformation of the old tricks, they knob the money to us, we split the house to build a new, and ask them to re- buy back, you can sell more than cover some of the others, the landlord has carried out, this time, some long-term workers are not happy, the landlord of the retainers come in use, the permanent teeth have had to knock down the pharynx to the tolerate, the landlord has made a lot of money.
A few years later, the landlord of the village developed into a big city, and the rich more, the landlord of the land more valuable, advisor to the landlord, said: club, we put these permanent houses demolished , in this place was built villa, split out to cover the house sold to the wealthy who can earn a sum of money, the landlord said: how to do long-term workers who quit? Advisor, said: we give them a little more money, from a monetary settlement called tricks, and then we built our barn next to the house, from a tricks called affordable housing, they built a carriage road to permit them to buy over there living room, the landlord said: how do they have enough money? Advisor, said: the banks borrow from our family before them, 6 points a year profit, but also nought if the money begets money the Cubs, not any hazard, the landlord has carried out, they get the money long-term basis, the landlord of affordable housing until now built one, they had to wait in line for permanent house, until now, waiting for it ------
Thus, long-term employment began to make trouble, and the landlord a little nervous, hurriedly asked counselors how to do? Advisor, said: They must notify the permanent house to be dropped in price, do not buy, rent to live it, just rented it to them our pen, the result, after so many years, long-term employment have all the money gone, are still renters, forever!
joke whereas a bit exaggerated, but in fact it not also true? Some people say that being the case? Why do Chinese people must buy a house? Mad to buy? Why? The result of education is not obscurantism, as if 60 years, advocating that people must buy the Big Three: watches, sewing machines, bicycles really successful people can marry a wife. 70 years advocating that people must buy four new pieces: TV,
Nike Shox Sko, refrigerators, washing machines, telephone equipment can be thought to succeed as a wife have children, remember the thousands of dollars to setup a phone, but ah (per capita income of less than 200 town ), while tens of thousands of Beijing, Shanghai and more a time, had to take a people number line up to buy, and buy a house today, how their
similar?
and today all the shit in this set of scholars began to fool the people of the old trick: the new standard white-collar, successful people choose a new small size X ring X Road, X ring X Road, residential and mercantile type. After you receive hundreds of thousands, have to charge you a monthly rent (the new property fee), bank interest, and manifold sorts of excuses to raise interest rates, policies, and so on and so along. In short you do not be afraid to decease, not afraid to die you miserable! Gnaw on how happy the people fooled, but one hundred tire on it? I am really petulant and get it all watery!
[ft =, +0,] the second largest when: Employment
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when people eventually began to lament: the year when the educated youth, when people are laid off after there is no way out, can only sit-ins but no one cares, can only be diluted on the avenues also were compiled heroic song laugh at life, start over time. Have you ever thought of! They also have the same landscape and white-collar today! Their income and status have also let the people around envy? Have you ever thought 20 years later! Like you would like them descend on the streets, deserted? !
Some people say hey! You do not know the unemployment insurance, stipend insurance, XX insured it? Oh,
Nike Shox R3, I float in Beijing N years, numerous insurers to pay tens of thousands about it, but when Pao Duantui unemployment and no one gave me Sha insurance, but many insurance policies that I have been frozen for paying off, and I just and rage ... ... More than that, you think to the old of 60 you can get really old-age insurance but? Out of the sky without money! Today's pensions are older we get the earned! Today 30-40 year-olds usually have several brothers and sisters! Means that today's retired to get a subsidy age of 60 is because there are five people for an old man! And after our generation growing old is a person for the two of us old people! Money get down to? Did not come! If you are able to live to 90 years is estimated to receive some of the old-age insurance, hey You a standing ovation it. But even so, parents are still mad and put their children to a variety of enterprises in the delivery of state-owned elements, to me it always has such examples. A distant relative of my home, find the relationship between drag friends to spend seventy thousand dollars to his son through an open recruitment team sent to the vehicle police, dry on the contract 5 barium? Police. A month to get 800. Results of the first three years is competition to the brush down. A people crying, I said, a good brush, you earn a lifetime forbid on that does not back that 70,000 first clean sleep immediately, and then scrape together some money to change out a small business go! Probably can earn.
when I graduated, I led my mother is holding the money, the division sent me to XX. I saw that the male responsible for recruitment morality, could not aid the nausea, Made in salary, OMG, I is not eat or drink until the white dry-back 10-year cost. So I had that lad a privately threatened, scared that potbellied X no longer afraid to admit I am main. I just have to have: away from home.
I wanted to do not understand? Chinese people ye so silly? Such a superstitious country word it? Wake up, meditative that the line is not normal? Prior to his work does not pay to not count cost-effective?
there are those little white-collar workers are juvenile, it is best to find a job to pay the high point, not to health insurance and Han, insurance, and then save up your money most insurance will need it.
[ft =, +0,] third when: Education
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a diploma worth? A diploma value? A diploma worth? Top of the printing costs two dollars a day. A teachers salary? Hey, two students a semester of tuition enough! A class book typography how many money? Two students enough,
Nike Shox R4! How many rent a class a semester? Hey two students enough. ! Hey! China Education Why the perdition you receive so much money! ?
Hey! The people are! Why should we be fooled? Because the small ruling class told us was acknowledged savant honor c65 skinny? Oh apologetic I am wrong, is it honorable to go to campus. Why do people think about but not go to glory? Why is glorious ... ... University savant and how not consume!
you know who your child is instructing it? In China are generally unable to adjust to society, people would become a teacher, for instance. Some time ago I as a project, find a few college students doing master's program. The results are very few people stupid, do not give you full attention, you have to relinquish it to work, but also to the documents apparently a typo, not to change, so you find even told you seriously,
Nike Shox NZ, is it not his mistake , you give is wrong. Little sense of duty, will not consider whether an order to things and do things or to do one thing and doing things. I was very calm to reason with them: you must learn to think for others, the results of re-thinking people want to do things. Otherwise it can not survive in the community. Results of those few, said: we do not go to the community, we test scores good enough, we are lingering in school to a teacher. We had nothing to say the wrong, how do you arrange
how we do, do not you arranged for us not to do. This is our dignity and principles. I said: If you go to the gatekeepers, the employer did not plan for you to work when you do not bolt storeroom lock it? You chilling you? After your child is under the guidance of such a human learn and grow. You ease it?
cohabitation is no wonder that university, truancy, fighting, suicide ... but the parents are still compliant to cost money to bring their children to educate, but a lifetime to spend the money.
[ft =, +0,] the fourth-largest when: car
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Chinese people crazy? Buy a car? Why buy a car? ? ? Of course, you not only have money to spend, and how you love to buy how to buy a car buy a house, anyway, how up you are enough of oil money, the house demolition you should not feel bad. But maximum people do?
I secondhand to have a colleague to live the North Second Ring, the company Xizhimen there. Most probably take the subway to work every hour. May must buy a second-hand Charade, 8:00 every a.m. to start on the road Duzhe, then moved a little bit of enterprise. Hey, a month parking lot. But she felt the car its own personality to open high-level point. Not to advert open a Charade, is to open a Audi I have not seen who beat 9 of whom three adore. In addition to seem a little foolish than others outside their own no other feature.
Another time, I met the little girl was 4,000 a month income, car loans in the procedure. So I queried her: little girl, I've got to do business, their work in due time, Metro and convenient to buy a car do? Like a long time, it is estimated could not think of causative to say: Sometimes things go to the supermarket to buy it, they feel a cab near the point is not worth the hike but by inches the point. So drive yourself go! I almost did not listen disgusting. You drive to the supermarket to buy immediate noodles do not feel sick it? Equipped with cellular phones to Jianla Ji,
Nike Shox TL1, also Jianla Ji's! Do not think that buying a car can testify everything.
example, I now own business, busy day, walked about 4-5 places, see many purchasers. But I do not buy a car, why? I hit that car with the move to, kick left, do not fret 'c7 3 was bad Yin Jian Hui Mei P tomb Iraq wait?, And without fear of being a thief stole a knot, whether rain has hung the wind driver. Bumped a traffic jam if you can get off the subway. Year also more than ten thousand pieces RMB! Buy a car! Parking fees had more than ten thousand a year! This is not silly it? Do not buy a car
that automobile, there are innumerable people who can be crazy to go borrow money to purchase? Must not be too miserable to die like their future! Buy it, buy a not finished raising interest rates? Oil prices are not crazy? Parking and is not priceless? Regret not it? A road car to sell on amount plunges also sell the right? ?
acquaint you that oil prices have to rise. Must be the same as oil prices rose and greenbacks. Hey! You take the old U.S. 1 / 10 of income, and others a raise petrol prices. I look that you do not have to se.
last say, everybody is not fatuous, there was only a stupefying schooling Jinong Han. Silly point does not material, but the thing off your life you still tight with the point, numerous diagramed the relationship between the economy interests of plan! Other end of the day, real estate have fallen, oil price rise, the money to pay the recess of my life took a diploma, or what what is not dry, for several decades to pay exorbitant tariffs and levies also what what benefits do not. You can not just scatter detriment of hundreds of thousands.
what was said? Oh no course, can not live without a car you, good bus mobbed Yeah. I mention all is pretension educated fools act curious. You see at me, fair lease a house to live extra than a thousand pieces a month, it is equivalent to some attribute costs. If you absence to get marital I have 3-4 thousand of affordable rent, furniture, elaboration an should be full. But also which gathering will be where I live. Do not want to shake on long-term rent ae. Also a kind and pay property charges. Province of the banks also vain loans, interest, down a lot. Something buffet the car, right on the metro, a year ten thousand days, and also saved a garage fares, parking fees, fines heap, fuel prices rose 10 Lehe also not postpone asset. I ran the university did not finish, meantime the mall a self-study while maneuvering to run their own affair, do not they also can enter the foreign-listed companies as a director it? Also retention the tens of thousands of tuition to.
lesson, some people will say: You do not even have a house to buy, clarify get married. I thought to myself: I do not, you think you have ah? Some people say that renting is not worth the rent is over all butmeone another, hey, you think to buy a house but also for decades loans paid off is your, ah ... ...
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[ft =, +0,] (Lang) - 99% of Chinese white-collar workers to bankruptcy, and bought a house doing
[ft =, +0,] [ ,],[[ft =, +0,] But unavoidable bankruptcy! Run away! This may happen in the next 2-10 years. You can attempt to doubt this figure. But it is bound to happen, not alarmist. But it does happen. Because in China,
Nike Shox R6, a formative country, its jump to keep to inflation and reforming means for economic development. And each time the griefs of reform brought to bear by the people. Whether it is mountainous and rural areas of the knowledgeable youth were disturbed, or when the reform and prologue up a large digit of state-owned enterprises have been closed down while a large number of laid-off employees. If they have a certain forward-looking, then I think they may leave a little for their own posterior. However, due to over-confident and over-confident life will not document mutations, thus occasioning the tragedy of their lives.
Some people say that the Government will not sit idly by pearly bankruptcy, the Government has of course not. Some things ... how can I say. I think back to the laid-off workers right. Caused so much social unrest. Can do? Today's white-collar workers when the bankruptcy tomorrow as it has.
and 20 years of reform and opening up, China's quick economic development take off. But the old system does not completely change. A kind of important industry is still in coerce is a government monopoly system in operation. Such as: banking, finance, metallurgy, energy, information, transmission, health care, education, and land. China's reform and opening up of these things can not be all appearances of reform and opening up. But today, monopoly brought ever more pronounced.
bear the brunt of real estate. As China's legal system is not perfect, principally the field of finance and reform, the emergence of a variety of mistakes made by real estate has been rising. With the increase in real estate and the native population to converge on large cities. So the new urban workers is the so-called But this part of the income is effectively used to pay rent, or loan.
To better understand why 99 percent of white-collar families will go bankrupt, we must first understand why the prices so high? High, where? Funds work? (This refers to white-collar prepared to buy a house buy a house or family.) And the development trend of narrated effects. This article will unravel to you in three stages.
1: cause prices soared, the first factor: Bank loans under open competition.
fact, prices soared because of the people in the cardinal elements for the faults the government disburse. Such as before a developer through a bank loan of 10 million to develop a house. If he does not play that bad luck, because entire the banks are a system, you owe the money did not also no opportunity to corner around. But China's banking reform ashore the basis of a cavity open to tournament between the banks so the ICBC, Agricultural Bank, Construction Bank, and so above entire manipulate independently. This is a nice entity. But the problem is that these banks are not private, merely the nation. We tin dream. When a developer from the bank loans to 10 million results. He merely need 5 million to develop a house, then the price addition, then the development of the price of the house along to his criterion mortgage loans to 20 million from the ABC another, and then use that 20 million of 10 million evolution of a sets a higher price of the house came to 40 million Construction Bank mortgage. Is such a crazy snowball lending model.
get out of the house you serve is not major, the opener is the price higher, not lower prices. Anyway, the bank's money is not personal, so a little morsel to clear the president together with variant
then this result is that house prices do not just mount down! Because they can not fall! A bank loan out money or never come back. This is the government's banker, the government's money! Therefore, in order to stop the funding black hole is to buy some of the experts, the media began to create public opinion using a variety of media frenzy means of coercion of people to buy a house.
such as land resources are severely strained, do not buy a house in the future can only live in the suburbs Yeah like. Cause people had to buy a house. In fact, can not live in this city that was impossible, a new urban residents is the process of replacing old, live in the city to work, like to live in the suburbs of retirement. As long as the population blast will not seem on white-collar workers do not live city center can not be the case. Although these medium caused a lot of people buy a house, but only so high prices have not as yet off the brand now. Then the government made the second mistake.
2: prices soared, leading to the second error: a mortgage with Chinese characteristics.
pledge would be a quite renowned system in the West, namely likewise very proper. However, this system applied apt China once a tiny problem. Because because large institutional. All banks are state, no personal. The loaning this juncture it is impossible to control is preserved. As long as the document makes sense, folk will be capable to credit to the story.
first mandate as soon as feasible to ease the monetary black hole caused by the mistake. Government began to appliance the system to individual mortgage houses. What also constantly give to his wife and the Chinese American woman's sample to bait people to the mortgage. Indeed it was the mortgage, and it is crazy mortgages. And banks at the peak of a little They 1st mortgage a 80 million homes, own a 100,000 down payment and then from the bank loan 700,000. Then after the house bargain to raise prices to 1.8 million. This time their relatives or Mom and Dad go to buy, but also with their own way out of the mortgage down payment 300,000 loan from the bank 1.5 million. Then on the matter. They do not how to do the loan? Banks love collection charge. Anyway, I'm not under compact can take away your money on the house, we have 2 conflicting less.
so turned around, raised several times the price of the house back to the hands of the government behind to the bank. This explains why the beginning of many fashionable real estate fix was They are not fried gambling house will thankful. But the bank took the house to wash up.
bank got the house how to do? Are afraid to slit prices. Had to increase some value and then sell. So mediocre people are immediately not even think to buy a house actually reasonable price! Even whether you bought instantly from the hands of developers house might have switched hands several times returned to the hands of the banks and developers. To say something immediately 8000 / class house, there are only 2,500 is the price, 5,500 are thought to send the money dark hole production mistakes! That method you are restricted to the hard working backside.
3: The third question: white-collar families when bankruptcy? ?
we learn why the house prices up, again look at the so-called white-collar families in Chinese cities the prerequisite of bankruptcy.
first alien white-collar income is really tall, but high value. The Chinese shrieked the white-collar workers are generally needy quality. Chinese enterprises solemn internal friction. Everyone scorn all headstrong. No prodigy foreign companies entered the China market began to exclaim: That something would say: The loss of a large number of bank funds through the hands of a few people went to the market. These people began to make offensive investments in other areas of China. Because they knew that real estate is about to collapse. They do another round of investment rumble is quickly absorb the asset, they provide in the Internet, high-tech investment, investment and distraction, investment many, many. But at fewest ample to pay wages to employees or pay every month rent on a house for it. Therefore, it is because the rising price of China's urban population built a respective wage increase. You do the math you do not believe the city where the average income of white-collar workers, once paid the monthly housing money, how many will be left to the hands? I think this would not I be wordy it. All psychological few. So I can say thin no time the real estate break that emulated the breakdown of your wages.
I know there are many, many white-collar workers who have purchased the house. Their thinking is simple: What kind of housing money to pay 3000? I can buy a set too! But because your house so what are expensive. Eat your, your transportation, your tuition fees, remedial costs are more expensive! ! ! So the money you pay the chamber individually from the cost of alive and then basically kept a penny for it, even if the save point also keep up with normal inflation rate. The problem is if you will maintain the status quo, then, in methodology, should be nice. You two decades earned money just to make up for the loss of two errors.
but the problem out here. With WTO5-year elegance period to the end, a large number of foreign communications, banking, healthcare, assurance, and so companies will have moved into China. That time no one can stop you put money into Citigroup, HSBC deposit. What about that time who are willing to put money in the amount of bad debts so many Chinese state-owned banks? And then how to take fathom even if the Government could run, so what will happen when the time is still hard to say. But one thing is certain is that these banks to China's state when the pressure will transform enormous. Loans will be complicated to add on, because banks have no money to credit! At the same time a large number of high-quality aptitude with foreign-funded enterprises to enter the Chinese market will bring a mighty clash and the collapse of a large number of existing enterprises and white-collar unemployment. In other words. Once the foreign-funded enterprises to connect the competition, China's existing 99% of white-collar workers will face under the employment pressure context!
and foreign banks started to invest in once the amassed funds in real estate, then normal operation because they are made out of the house so the process will be low, must boost its national real estate dropped sharply. As I said earlier, prices have fallen, or is followed by the business in your wages! Can you buy a house before the loan will not reduce or reduce the price, so you will be unable to pay exorbitant loan. Then your house will take away the bank, your deposit will be directly frozen. So the future of Chinese cities may be the greatest white-collar workers and a few decades ago, like the Chinese state-owned enterprise workers. Hard two years, in the end 竹篮打水一场空!
how to avoid bankruptcy?
see where you should understand, do not buy a house is a good way to dodge bankruptcy. But I would also like to caution you, in order to move up the property market does not fall, they have a way that is not advocating people do not buy a man child! You mention, this really little effect. Now people a mouth first sentence is: I am really angry with the strength to swear no. Mizuki weeks in Baidu also post it in this post-ping said: In China, a land not belonging to your house and rent you have to sell you what is the feud? (Laughs). Not to mention the same property and the thieves who forced evictions of people wrong! This is not simply But since the WTO has signified that the issuing industry and the media industry in China is still not open. Then public opinion will become a government bailout and developers in the hands of the last trump card.
so we face a lot of rhetoric, when more than half a brain or your own. After a package of lies we hear speed up housing, more and more outrageous! Such as recent prices have brick home not expensive when preaching said: So of course, price is not expensive. Perhaps for this or these have evolved to dine or nectar without disease does not move and do not wear dead father and mother had no use for the conservation of the brick home may really be the circumstance. Therefore, we pay consideration to vigilance.
Conclusion:
[ft =, +0,] has been arranged to buy a house buy a house or a family of white-collar workers will collapse with the collapse of housing prices, that would happen is a slow process. Short as two years or at all times ten years. But this is an irreversible trend. Therefore, China has 99% of urban white-collar workers, said a bankruptcy not an alarmist! Today you pay the bank money is for the Government of each housing delivery for real estate speculators who fill holes, only a small chapter of a real house money. Environment a alteration tomorrow, you do not have much money to fill holes when the market and banks will be kicked back to the home, and then for a number of new people to fill. Do not believe? Wait and see Bai! - PS: Why do I say that 99% of this number, because according to my understanding, once 99% of the monthly salary of over 5000 people began to buy a house, even 3000,4000 buy. What sweethearts do not understand that life will go on to buy badly. I just feel sorrowful for them. Of course, if you are that 1 percent of the sage, than to persuade them to save it. Better Together solo.
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Chinese folk are {above|aboard|ashoaboard} the 4 w
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