Please do no purchase a house and motorcar of a fr

Please do not buy a house and automobile of a friend must seriously look by



- Hong Kong's notable economist - Lang
99% of China's white-collar personnel and their families will face bankruptcy. But inevitable bankruptcy! Run away! This may happen in the next 2-10 annuals. You tin attempt to doubt this figure. But it is jump to occur, not alarmist. 'As I portended the inevitable Chinese state-owned undertaking workers, the jobless, as in that time no an trusted. But it does happen. Because in China, a amplifying nation, its bound to reserve to inflation and reforming means as economic development. And each time the griefs of reform brought to bear along the people. Whether it is mountainous and rustic places of the taught youth were muddled, or while the reform and prologue up a colossal number of state-owned enterprises have been closed down when a large number of laid-off personnel. If they have a definite forward-looking, then I think they may depart a little for their own posterior. However, deserving to over-confident and over-confident life will not file mutations, thus occasioning the misadventure of their lives. -
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Some say the government will not sit idly by pearly bankruptcy, the Government has of course not. Some entities ... how can I say. I think back to the laid-off workers right. Caused so many social unrest. Can do? Today's white-collar workers when the bankruptcy morrow as it has. -
and 20 years of reform and opening up, China's fast economic development take off. But the old system does not completely change. A variety of important industry is still in force is a government monopoly system in operation. Such as: banking, finance, metallurgy, energy, information, transportation, health concern, 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 affirmed. -
bear the brunt of real estate. As China's lawful 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 'white-collar workers' income is rising on the surface, to Beijing, for example 3000-15000 yuan monthly salary everywhere. But this part of the income is primarily 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 ready to buy a house buy a house or household.) And the development trend of narrated effects. This story will explain to you in three stages. -
1: cause prices soared, the first factor: Bank loans under open competition. -
In fact, housing prices soared
cardinal elements for the Government because of the people in the mistakes pay. Such as before a developer through a bank loan of 10 million to develop a house. If he does not melodrama that bad fortune, because always the banks are a system, you owe the money did not also no chance to corner approximately. But China's banking reform on the basis of a hole open to emulation between the banks so the ICBC, Agricultural Bank, Construction Bank, and so on entire manipulate independently. This is a good thing. But the problem is that these banks are not private, but the country. We can imagine. When a developer from the bank loans to 10 million results. He only need 5 million to develop a house, then the price addition, then the development of the price of the house according to his criterion mortgage loans to 20 million from the ABC another, and then use that 20 million of 10 million development 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 essential, the key is the price higher, not lower prices. Anyway, the bank's money is not private, so a little bit to explicit the premier have combined with 'legal' high retail price of real estate as parallel so indeed getting better and better from bank loans. -
then this result is that house prices do not just ascend 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 madness means of coercion of people to buy a house. -
such as land resources are severely strained, do not buy a house in the hereafter can only live in the suburbs Yeah like. Cause people had to buy a house. In truth, can not live in this metropolis that was impossible, a new urban dwellers is the process of replacing old, live in the metropolis to work, like to live in the suburbs of retirement. As long as the population explosion will not arise above white-collar workers do not live downtown can not be the circumstance. Although these media caused a lot of people buy a house, but only so high prices have not by far off the mark now. Then the government made the second mistake. -
2: prices soared, guiding to the second error: a mortgage with Chinese characteristics. -
mortgage would be a quite renowned system in the West, is also very applicable. However, this system applied to China once a little problem. Because for large institutional. All banks are state, not private. The lending this juncture it is impossible to control is maintained. As long as the file makes sense, people will be competent to honor to the article. -
to the first error as soon as possible to ease the financial black hole caused. Government began to implement the system to individual mortgage houses. What also constantly give to his wife and the Chinese American woman's instance to bait people to the mortgage. Indeed it was the mortgage, and it is lunatic mortgages. And banks as long as a little 'road' people. They first mortgage a 80 million homes, own a 100,000 down remittance and then from the bank loan 700,000. Then afterward 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 lend from the bank 1.5 million. Then on the matter. They do not how to do the lend? Banks adore accumulation dictate. Anyway, I'm not below compact can take away your money on the house, we have two conflicting less. -
so turned around, raised several times the price of the house back to the hands of the government back to the bank. This explains why the beginning of many new real estate fix was 'real estate group' bought. 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 mow prices. Had to add some worth and then sell. So ordinary folk are immediately not even think to buy a house really rational price! Even if you bought instantly from the hands of developers house might have switched hands several periods returned to the hands of the banks and developers. To say something now 8000 / level house, there are only 2,500 is the price, 5,500 are thought to send the money dark cavity making errors! That manner you are impeded to the hard working backside. -
3: The third question: white-collar families when bankruptcy? ? -
we study why the house prices up, again look at the so-called white-collar families in Chinese cities the essential of bankruptcy. -
first foreign white-collar income is really high, but high value. The Chinese called the white-collar workers are generally needy quality. Chinese enterprises serious internal friction. Everyone scorn all stubborn. No wonder foreign companies entered the China market began to exclaim: 'in China people do not rent company! 'I am also entirely understood. That someone would say: 'Now is not worth the worth of white-collar workers, that Mizuki Zhou Ping you can talk about why they get such a salary it? 'In fact, this peppery real estate as a result of quantum effects. 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 aggressive investments in other areas of China. Because they knew that real estate is in the near future collapse. They do different round of investment prosperity is quickly preoccupy the funds, they invest in the Internet, high-tech investment, investment and entertainment, investment many, many. But at least enough to pay wages to workers or pay monthly rent on a house for it. Therefore, it is because the rising price of China's urban population created a relative 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 much will be left to the hands? I think this would not I be wordy it. All psychological few. So I can say thin a hurry the real estate crash that followed the collapse of your wages. -
I know there are numerous, numerous white-collar workers who have purchased the house. Their meditative is simple: 'The couple opened a variety of revenue insurance, in increase to the monthly net income is also 12000. What kind of housing money to pay 3000? I can buy a set also! 'Yes, naught. But because your house so what are valuable. Eat your, your transmission, your tuition fees, medicinal costs are more expensive! ! ! So the money you pay the room apart from the price of alive and then basically kept a penny for it, even now the save point also keep up with customary inflation rate. The problem is if you will nourish the status quo, then, in methodology, should be nice. You two decades earned money just to make up for the wastage of two errors. -
but the problem out here. With WTO5-year elegance phase to the end, a large number of foreign communications, banking, healthcare, insurance, 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 value of bad debts so many Chinese state-owned banks? And then how to take measures even now 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 oppression will become colossal. Loans will be tough to add on, because banks have no money to credit! At the same time a large number of high-quality artist with foreign-funded enterprises to enter the Chinese market will bring a strong clash and the collapse of a large number of existing enterprises and white-collar unemployment. In other words. Once the foreign-funded enterprises to combine the competition, China's existing 99% of white-collar workers will face under the employment oppression environment! -
and exotic banks started to provide in once the amassed asset 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 nice path to avert bankruptcy. But I would too like to caution you, in mandate to shove 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 achieve. Now people a jaws first sentence is: 'do you have apartment. 'You do not seem the same apartment is a eunuch. I am really petulant with the strength to curse not. Mizuki weeks in Baidu also post it in this post-ping said: 'do not buy a house do you live? 'I marvel, is there a causal correlate to live and buy it? In China, a land not belonging to your house and lease you have to sell you what is the inconsistency? (Laughs). Not to mention the same property and the gangsters who coerced evictions of people bad! This is not simply 'the emperor's fashionable clothes' it? But since the WTO has indicated that the promulgating industry and the medium industry in China is still not open. Then public opinion will become a administration 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 pack of lies we hear build up housing, pile up outrageous! Such as recent prices have brick home not expensive when advocating say: 'What if 50,000 yearly salary, the couple is 100,000 a year, five years to 500,000. So of course, price is not expensive. 'I was startled that someone actually nod? Perhaps for this or these have evolved to eat or drink without disease does not move and do not dress die dad and mommy had no use for the upkeep of the brick home may really be the case. Therefore, we pay attention to vigilance. -
Conclusion: -
ready to buy a house buy a house or have a family of white-collar workers will breakdown with the breakdown of housing prices, that would be a slow process that occurs. Short as two years or at a time ten years. But this is one irreversible trend. Therefore,GHD NZ, China has 99% of urban white-collar workers, said a bankruptcy not one alarmist! Today you pay the bank money is for the Government of each housing allocation for real estate speculators who fill holes, only a small portion of a real house money. Environment a change tomorrow, you do not have much money to fill holes when the market and banks will be hit back to the home, and then for a number of new people to fill. Do not believe? Wait and see Bai,GHD Straighteners! - 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 lovers do not understand that life will go on to buy badly. I just feel melancholy for them. Of course, if you are that 1 percent of the advisable,GHD, than to persuade them to save it. Better Together unattended. -
Chinese are the four huge when -
largest when: real estate -
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 for 70 years (70 years from now it is back Sino-Japanese War, who have seen the house that time?). House, usually 30 years hardly ever the demolition or renovation will be met. That you spend the money to buy a house, but can only be renting the substantial 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 waste is still out of gates, regardless of your alleging, and even still you press on a newspaper list of the flagrant hook, whichever abuse of the public when you will know what despair! -
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narrated the Chinese real estate has a well-known joke is written like this: -
antecedent, there was a lot to the landlord, to find a lot of lasting work, and the owner to cover a number of long-term workers who lived in building unity, one day, the landlord's advisors on the landlord, said: landlord, long-term workers were on hand in recent years a little money,GHD MK4 Kiss Straighteners, and they live in your house, the monthly pay Zuzi, worth, anyhow, they will never afford to live, do not you fair sell them the house from a tricks is cried - public houses for sale! Tell them the house they never go, you can save them money behind in recent years, the landlord said: Yes, how do I rent? Advisor, said: along to income is not wrong, from a Japanese label of children, shrieked the management fare! Landlord rapidly implemented, and made a lot of money, long-term employment are the merry ah! -
a few years, the landlord of the village into town, and the rich scale up, no place to live, advisor to the landlord, said: club, long-term workers were on hand and money in recent years, we give them build a new house, called from a transformation of the old tricks, they handle the money to us, we plucked down to build a new house, and tell them to 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,GHD IV Black Straighteners, the landlord of the retainers come in use, the permanent teeth have had to knock down the throat to the stomach, the landlord has made a lot of money. -
A few years later, the landlord of the village adult into a big city, and the rich more, the landlord of the land more expensive, advisor to the landlord, said: club, we put these permanent houses destroyed in this place to build villas, split out to cover the house sold to the millionaire who can earn a sum of money, the landlord said: how to do long-term workers who discontinue? 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 chariot 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 nothing if the money begets money the Cubs, not any risk, the landlord has carried out, they get the money long-term basis, the landlord of affordable housing until now built one, they had to await 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, always! -
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joke whereas a bit exaggerated, but in fact it not also true? Some people say that being the case? Why do Chinese people have to 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 truly successful people can marry a wife. 70 years advocating that people have to buy four new pieces: TV, refrigerators, washing machines, telephone equipment can be considered 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 it is 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 prefer a new small size X ring X Road, X ring X Road, residential and advertisement type. After you receive hundreds of thousands, have to charge you a monthly rent (the new property fee), bank amuse, and various sorts of excuses to raise interest rates, policies, and so on and so forth. In short you do not be afraid to necrosis, not afraid to die you pathetic! Gnaw on how happy the people fooled, but one hundred tire on it? I am really angry and obtain it all wet!
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second when: Employment -
When somebody eventually began to sigh: the year when the learned youth, when people are laid off after no way out, no one can sit-in protest ignored, can only be depressed on the avenues who compiled the melody was also ridiculed the heroic life, start over time. Have you ever thought of! They also have the same scenery and white-collar today! Their income and status have also let the people around envy? Have you ever thought 20 years after! Like you would like them descend on the avenues, deserted? !
Some people say hey! You do not know the unemployment insurance, stipend insurance, XX insured it? Oh, 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 age of 60 you can get really old-age insurance already? Not out of the sky and money! Today's pensions are older we get the earned! Today 30-40 year-olds ordinarily have several brothers and sisters! Means that today's elderly 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 comesintoseffect? Did not come! If you are able to live to 90 years is estimated to receive some of the old-age insurance, hey You take care of it. But even so, parents are still crazy and put their children to a variety of enterprises in the allocation of state-owned units, to me it all has such examples. A distant comparative of my home, find the relationship between haul friends to spend seventy thousand dollars to his son through an open recruitment team sent to the traffic police, dry on the contract the police. A month to get 800. The third result was competition to the brush down. A people wailing, I said, a good brush, you earn a lifetime forbid on that does not back that 70,000 first clean sleep quickly, and then scrape together some money to change out a small business go! Probably can earn. -
when I graduated, I led my profanity is holding the money, the ministry sent me to XX. I saw that the man responsible for recruitment virtue, could not assist the nausea, Made in salary, profanity Yeah, I is not eat or beverage until the white dry-back 10-year cost. So I had that guy a privately intimidated, scared that potbellied X no longer afraid to admit I am main. I just must have: away from home. -
I wanted to do not understand? Chinese people ye so silly? Such a superstitious country word it? Wake up, thinking that the line is not normal? Prior to his work does not pay to not calculate cost-effective? -
there are those mini white-collar laborers are young, it namely best to ascertain a job to pay the tall point, not to health assurance and Han, insurance, and then retention up your money maximum insurance ambition need it. -
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third when: Education -
a diploma worth? A diploma worth? 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 writing typography how many money? Two students enough! How much 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 cheated? Because the small verdict class told us was admitted savant glory. Oh apologetic I am wrong, is it honorable to work to academy. Why do people think almost but not go to honor? Why is glorious ... ... University scholar and how not garbage! -
you know who your child is educating it? In China are generally unable to adjust to society, people would become a teacher, case in point. Some time ago I as a project, find a few college students act master's procedure. The results are very few people stupid, do not give you full attention, you have to abdicate it to work, but also to the documents obviously a typo, not to change, so you find even told you seriously, is it not his mistake , you give is wrong. Little sense of liability, will not consider whether an order to things and do asset or to do one thing and doing things. I was very silence to cause with them: you must study to think for others, the results of re-thinking people absence 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 residing 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 reputation and principles. I said: If you go to the gatekeepers, the foreman did not plan for you to work when you do not lock arsenal lock it? You chilling you? After your child is under the guidance of such a human study 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, merely a lifetime to spend the money. -
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fourth-largest when: a car -
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 ample of oil money, the house demolition you should not feel bad. But most people do? -
I accustomed to have a colleague
live North Second Ring Road, the company Xizhimen there. Most probably take the subway to work each hour. May have to buy a second-hand Charade, 8:00 every morning to begin on the road Duzhe, then moved a little morsel of corporation. Hey, a month parking lot. But she felt the car its own personality to open high-level point. Not to mention open a Charade, is to open a Audi I have not seen who knock nine of whom three worship. In addition to seem a little silly than others outdoor their own no additional feature. -
Another time, I met the little girl was 4,000 a month income, car loans in the program. So I asked her: little girl, I've got to do business, their work in time, Metro and handy 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 taxi approximate the point is not worth the walk but a grain of truth the point. So steer yourself go! I virtually did not listen nauseating. You drive to the supermarket to buy instant noodles do not feel sick it? Equipped with cellular calls to Jianla Ji, also Jianla Ji's! Do not think that buying a car can prove everything. -
example, I now own affair, busy day, waded 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, no place to worry about parking, do not worry about hanging a touch, and without panic of creature a thief stole a tie, whether rain has hung the air driver. Bumped a vehicle jam if you can get off the metro. Year also more than ten thousand pieces RMB! Buy a car! Parking fees had more than ten thousand a year! This is not foolish it? -
Do not buy a car do not buy a car
said, there are innumerable people who can be mad to go borrow money to buy? Must not be too miserable to die like their future! Buy it, buy a not ended raising interest rates? Oil prices are not crazy? Parking and is not expensive? Regret not it? A road car to sell on value plunges also sell the right? ? -
tell you that fuel prices have to heave. Must be the same for oil prices rose and greenbacks. Hey! You take the antique U.S. 1 / 10 of earnings, and others a raise gasoline prices. I penetrate that you do no must se. -
final say, everybody is not stupid, there was only a stupefying schooling Jinong Han. Silly point does not matter, but the thing off your life you still firm with the point, many figured the relationship between the economic interests of arrange! 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,GHD Red Butterfly 2011, for several decades to pay exorbitant tariffs and levies also what what benefits do not. You can not just spread loss of hundreds of thousands. -
what was said? Oh no way, can not live without a car you, good bus crowded Yeah. I say all is pretension educated fools doing curious. You look at me, just rent a house to live more than a thousand pieces a month, it is equivalent to some property costs. If you want to get married I have 3-4 thousand of affordable rent, furniture, elaboration one should be full. Which also convenient where I live. Do not want to move on long-term rent. Also a kind and pay property charges. Province of the banks also vain loans, interest, down a lot. Something hit the car, right on the subway, a year ten thousand days, and also saved a garage fees, parking fees, fines pile, oil prices rose 10 Lehe also not delay things. I ran the university did not finish, meantime the market a self-study when planning to flee their own business, do not they also can enter the foreign-listed companies as a manager it? Also save the tens of thousands of tuition to. -
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course, some people will say: You do not even have a house to buy, specify 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 hardly evermeone else, hey, you think to buy a house but also for decades loans paid off is your, ah ... ...

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