Buy immediately disburse merely a cheat no apt cos

last night, and a pawn to open the students to beverage.
I queried students, Mo forget about my center, quite infer!
Students, then I simply deafening, so I was stunned. I quickly consulted widely. Thus, students to acquaint me someone amazing, and Frightening words ...... the retinue, all my classmates, even whereas some words out, but the elementary semantic explicit I was relaying the.

one, buy a house without money, how do you manipulate?
students so -
you know, my pawn business fully ashore the money begets money. First buy a house, although I have the ability to one-time full payout, merely I do not want the house so many cash was crushed to decease. At that time, is fashionable
for one year, also disbursing back the principal and interest to the. Fortunately, I do not know it? Or my bad fortune! At that time, my money is a business occupies. For business, I not only do not play back the principal did not say, have another current loans. Compelling, I find the old relationship - the bank credit manager trench USD. When I muttered to the
honor director give me the idea is simple: let my wife to twice the price, the loan to buy my house, the loan time is an year. and give him 5 million. So, I am the honor director, knowing smile ......
This is my first time buying experience.
I buy a house later experiences are similar, that is: a tight does not dig a penny, entire with a bank loan to buy a house; and then, if the fact is unknown to investors encounter (said to be investors, in fact Shamao) to buy a house, then sell him. If you have not investors buy a house, then persisted to mushroom their lending to their own house, reserve the money with the bank debt of the banks.
And, I'm the pawn, and the relationship with the bank average human can not contrast. Ordinary people to buy a house, most choose 20-year mortgage, but I always buy only loans for one year before manhood of the principal and interest. This operation, do not pay for months. The loan maturity, I just doing the In fact, I do not must 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 watch you people ahead you say these words dig pit of the abdomen of
. How can you not believe me? How can you believe me?
speak of: you give me an example about the real point!
students: you understand how the king, pock luck is it?
of the statement:
if students -
I'll talk about.
early days, the king, pock the abjection ah! Even he registered the company's registered capital, is my short-lived lending to him. Now, do not look pock the surface of the second king of landscape, he took to the money from the bank loan; repair the house money, the builders 垫资. In short, he is a complete
house repaired, Wang pock in the second before the official opening, routinely to hold an The internal marketing, in fact, the king mustered two pock-house staff and some like me, familiar in the real estate customer (or simply are collected from the job fair, many, nominee of the to appoint these people to buy a house, all with bank loans to buy. This is the so-called
and that the transaction reported to the bank's trading price, have the internal than the actual transaction price additional by 30%. Why? To buy a house down payment because the loan into two ah! For instance, if you want to recover 100 million, then you have to price of 130 million bank loan. Thus, 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 staff the In this way, via the internal subscription before the prologue, the second king of all the pockmarks in fact have been successfully recovered the investment, all the risk transferred to the bank. By this time, the king will start advertising to sell the house two pock, and the return of
of speech: the back, how does it work?
students so -
how do you like Bena! A little smarter people can calculate of, emulated by methods of operation, in fact, with my real estate is the same, that is: to sell him; If you have not investors buy a house, then continued to increase their lending to their own house, keep the money with the bank debt of the banks. , have been recovered since the first mortgage payment, so the back of the operation does not require 30% increase each and each time, fair according to the original rate of increase in property prices can be a fee increase (up 14% per year) .
what? If housing prices not enough to pay the loan interest rate how to do?
Laugh if you saw the Chinese property market while house prices rose loan interest rate is lower than a year?
comprehend it! This is the only Chinese property prices could not drip prices; and, the rate of increase in house prices beneath the current loan amuse can not be the real reason! !
think to find it ridiculous, some scholars have actually said, In fact, the
the collapse of Shanghai Lotus Garden River as an example. Published online, the floor price of fewer than 604 yuan / square meters, construction cost is not to 1,300 yuan / square meter (in fact, issued online construction cost is not exact. City Court escalator the quality of the total of the dormitory building than it Well construction cost does not exceed 1,000 yuan / square meter) house so inexpensive, why do developers must take it sold 14,000 yuan / square meter it? Sell ​​low point, make less money that can not I? The answer is not enough. The reason is simple, Only continuous increase, only the survival of the operation. Therefore, the Lotus Garden River two years antecedent 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 works, This is the
There is a saying points to the facts of the current property market in China, will continue to heave in it? And likewise Why? Is here!


Third, you said, only a very individual phenomenon, can not characterize the overall situation of China's property market.
students so -
old school, you are also inexperienced of it. See:
Li Shubiao case: September 8, 1999 to January 15, 2004, Chenzhou City, Hunan, sometime mentor of housing provident fund management hub Li Shubiao fraudulent fund loans, bank loans to a absolute of 44 pen ,XB 2011, 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, Bank of Communications, China Construction Bank, China Merchants Bank to repeat a total of 690 mortgage loans sets, at least 2 billion cash in bank funds.
Yao Kangda case: From 2002 to first half of 2003,PULSERA BLANCA CON ARGENTINA, Industrial and Commercial Bank of China branch in Shanghai Waigaoqiao Free Trade Zone to the the case of false mortgage
Hao Sen: From mid-1997 to the first half of 2002, arrived in Beijing China to Sen Hao Real Estate Development Company apartments, so under the guise of Lee Garden, take off the way the mortgage to Bank of China Beijing Branch, Bank of Beijing Zhongguancun Sub-branch, Beijing Branch, Bank of Exhibition Road, a total of 1.62 billion 骗贷 three banks. (See one hundred million yuan false mortgage. only Shanwei City, Guangdong Province Public Security Experts Affairs, Deputy Secretary of a person, that is fraud Fangcun Branch of China Construction Bank in Guangzhou City, 37.93 million yuan of mortgage loans.
Ping Qu Shanghai case: In 2006, Shanghai Lujiazui, Pudong Development Bank has been lending at the branch, found that there is billion of mortgage loans secured private property is not real, loan agent, billion. Bank commissioned the housing agent had sold a mortgage, to recover problem loans.
with the Thai case: In 2006, Thailand Beijing real estate company in linkage with the use of 87 off the buy signed along the landlords compact 骗贷 67 million yuan from the bank.
Chengdu fictitious real estate Piandai case: 2005 to 2008, the suspect collusion Tangmou Chengdu Housing Authority staff to the path fiction for real estate property allow the 骗贷. has been found in the real estate copyright has been contained in extra than a hundred sets, involving an amount of 2 thousand million! but also the beyond development of the position.
In addition, reiterated mandates of the China Banking Regulatory Commission this year, clear requirements, Why would so many such things happen? Why the country's banks mortgage knows to be false, we should also lend to property developers? Are bank officials is a fool you?
fact , the bank's officials are not silly.
reason is that bank's internal staff is working hand in glove with developers associates. involved in the operation of some of the bank's internal staff is the hope that buyers will not pay interest on loans for the bank to make money, and frankly, they are involved in dividing the spoils - they embezzle the ill-gotten acquisitions together with the developer, the risk onto the National Bank, and pay the real buyers. Once the real alternatives who can not buy this big house lonely, the bank emergency.
this time, the pay is the National People's, the State must recapitalize banks, eliminate bad debt. state money come from? publish money! Results What is it? inflation, soaring prices, hundreds of old money is profitless, or that the people's money was pillaged, robbed whom? by the National snatched plugging, and plugging developers and banks to increase out of these borers hole. The aperture is so big,PULSERA CAMUFLAJE CON LOGO XB, blocking is an hideous scar, and pain will always be people.
So I would say - the real possession manufacture has convert a relevant elements, the relevant divisions to mingle divided State money (in fact, the people of the deposits) of the props.
violation what the big deal? bank officials are not terrified ah! the surface of the paper at a time the program is complete, and I do not have a responsibility. Even if the mortgage is disloyal, What does it material? Besides the background state banks, is also not terrified of losing some, anyway, Bank officials are now made money on the line. The bank later to die indeed, we must manage the national Moreover, it is what the afterward bank officials . No wonder the Bank of China's bad debt rate of 40% alternatively more really! the elemental, in China, the biggest corruption in the bank!!

4, I still think that this is only a very few phenomenon. If you talk a general phenomenon, why do not developers have been repossession?
students, then -
for many reasons simply have:
1, you do not concern about the real estate industry news. such as how to do the go? very easy - just a near of debt,
developers will and the pieces many faster than the tangible affordability of mediocre folk (which means the house will never sell). However, such actions, if it were not for from the lawful point of outlook variety of process, only the formalities of view from the surface of the periodical, then it is forever legal. This is the bank officials the gallantry to cover for the cause developers - for the present banking system, at all times the surface of the paper formalities complete, the bank's officials, there is no liability.

Five, you average is that the current system of bank loans has serious flaws?
students, then -
course!
I can not spend money to buy so many houses and sidewalk, and even set out from the bank by the house so much working chief to do business, all of this,PULSERA BLANCA CON MEXICO, all thanks to loopholes in the system of banks ah! bank loan system, really good system to serve the people, Method for assessing the value of defective.
, for example, apparently developers get used only 50 million, but he tin use this to 1 million pledge loans; for example, developers establishing repairs to the roof mend , clearly only the 70 million (including the money), but he can use this floor, 2 million mortgage.
If, in agreement with the rules we pledge to do, things will occur then?
When the developer of mortgage loans with a piece of land, I will personally to verify: developers get the land, it actually gave the government 50 million. And,Extreme Balance, if this is the circumstance, he maximum to 40 million loans. because I want to risk asset accrued ah!
when the developers of mortgage loans with this architecture, I would personally check: developers fix this building, it really took 20 million (counting only the construction cost, excluding land). I will follow all kinds of fatigue, a diversity of architecture materials to list for the lowest floor of the construction costs. and, if the developer did repair the floor, spent 20 million, he most only loans 70 million × 0.8 = 5600 million (even attach for a mortgage).
Finally, when family purchasers mortgage loans, I am indeed not in accordance with the Most home buyers can get loans are: 70 million × 0.8 × housing area / total district of ​​this building.
example: there is a jobber selling clothing because the business turnover, the need for clothes for the parallel to bank loans. you talk about, the bank is the statement: Of way the ex-works operator. If calculated along to the retail amount, then do no sell clothes mart business altogether, he sold the bank to make money instantly to the clothes faster!
Well, I understand, No surprise China will arise in the ! collateral amount of housing, and not by buyer transactions to resolve ah!!
2, usages of accountability imperfect
there is no official responsibility. to find you then!!!
In counting, 1.62 billion wastage to the State Mori ho false case later exposure to the mortgage,Balance arriesgado, is not actually related to the bank officials were held accountable, how can? Hey! If this things happened in my pawn, do not say let him ruin and death, at fewest I will ruin him and his relatives!!!
of speech: Yes, ah! the monetary case, the actually not clutch the relevant bank officials responsibility. it were me, I think people who know how to straighten the property market - by the time strict financial system so that people can not get speculative real estate funds, property market bubble will naturally scatter!!
If students -
you eventually sapient for a when. pity!!!