Buy now pay only a fool - taught you do not cost money to buy a house
last night, and a pawn to open the students to nectar.
I asked students,
Mo forget about my center, very suspect!
students, then I am really loud, so I was stunned. I immediately consulted warmhearted. Thus, students to differentiate me something amazing, and Frightening words ...... the emulating, all my classmates, even although some words out, but the elementary semantic remove I was relaying the.
one, buy a house without money,
Nike Lunar Elite, how do you manipulate? If students
-
you know, my pawn business completely on the money begets money. First buy a house, however I have the aptitude to one-time full payment, but I do not want the house so much money was crushed to necrosis. At that time, is fashionable
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 occupies. For business, I not only do not melodrama back the principal did not say, have another fashionable loans. Compelling, I find the old relationship - the bank credit manager trench dollar. When I whispered to the
credit manager give me the mind is simple: let my wife to twice the price, the loan to buy my house, the loan time is one year.
who was, I at least give him 50,000 points. So, I am the credit manager, knowing smile ......
This is my premier time buying experience.
I buy a house later experiences are alike, that is: a fixed does not dig a penny, all with a bank loan to buy a house; and then, if you meet the fact of nameless investors (that is the investors in fact Shamao) to buy a house, then 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.
And, I'm the pawn, and the relationship with the bank mean person tin not contrast. Ordinary folk to purchase a house, maximum choose 20-year mortgage, merely I all buy only loans as 1 year before manhood of the principal and amuse. This operation, do not pay for months. The loan maturity, I just act the In truth, I do not have to excavate a penny.
Second, I do not trust, in real life to have such a preposterous thing. You speak about the
student's words: brother! I see you people before you say these words dig pit of the tolerate. How can you not believe me? How can you believe me?
talk of: you give me one instance about the real point!
students: you know how the king, pock fortune is it?
of the statement:
students so -
I'll talk about.
early days, the king, pock the abjection ah! Even he enrolled the company's enrolled capital, is my short-lived lending to him. Now, do not look pock the surface of the second king of scenery, 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, normally to hold an The internal sale, in fact, the king mustered two pock-house staff and some like me, versed in the real estate buyer (or simply are collected from the job fair, numerous, applicant of the to name 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 increased by 30%. Why? To buy a house down payment because the loan into two ah! For example, if you want to recover 100 million, then you must 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
this path, via the internal subscription before the prologue, the second sovereign of always the pockmarks in fact have been successfully revived the investment, always 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 would -
how do you like Bena! A tiny smarter people can think of, followed by means 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 amplify their loaning to their own house, reserve the money with the bank debt of the banks. have been recovered since the first mortgage remittance, so the worker does not need to back increases 30% each time, just along to the original rate of increase in property prices can be a fare increase (up 14% per year).
what? Rise in property prices in case of lack of payment of interest on loans how to do? Joke, when you look the property market to China that year rise in property prices lower than the loan interest?
understand it! This is the only Chinese property prices could not drop prices; and, the rate of increase in house prices beneath the current loan interest can not be the real reason! !
think to detect it ridiculous, some savants have actually said, In fact, the
the collapse of Shanghai Lotus Garden River as an example. Published online, the ground price of less than 604 yuan / square meters, construction cost is not to 1,300 yuan / square measure (in fact, published online construction cost is not precise. City Court elevate the quality of the total of the suite architecture than it Well construction cost does not exceed 1,000 yuan / square meter) house so cheap, why do developers must take it sold 14,000 yuan / square meter it? Sell low point, make less money that can not I? The question is not enough. The reason is easy, Only continuous increase, only the survival of the operation. Therefore, the Lotus Garden River 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, This is the
are saying points to the facts of the current property mart in China, br> age educate, you calculate, and now the attribute mall, housing prices had apparently far more than the substantial purchasing power of ordinary people (which method the house will never sell),
Ralph Lauren polo t shirt wholesale, why do housing prices will continue to rise ? And also Why? Is here!
Third, you said, only a very individual phenomenon, can not characterize the overall location of China's property market.
students would -
old school, you are too unaware of it. See:
Li Shubiao case: September 8, 1999 to January 15, 2004, Chenzhou City, Hunan, former mentor of housing provident fund treatment hub Li Shubiao fraudulent fund loans, bank loans to a total of 44 pens, involving 120 million dollars.
Cummins Case: before and afterward 2000, Zhengzhou, Henan Kang Ming Ming Garden Properties Limited 414 East Suite along source, in the Industrial and Commercial Bank, Bank of Communications, China Construction Bank, China Merchants Bank to repeat a total of more than 690 sets of mortgage loans, by least sets take 2 billion of bank funds.
Yao Kangda case: From 2002 to first half of 2003, Shanghai Waigaoqiao Free Trade Zone Industrial and Commercial Bank of China branch to the
case of false mortgage Sen Howe: 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 the Bank Beijing Branch, Bank of Beijing Zhongguancun Branch, Bank of Beijing Exhibition Road Branch three banks totaled 1.62 billion 骗贷. (See element of false mortgage. Shanwei City, Guangdong Province alone Experts Bureau of Public Security Deputy Secretary of a person, that is deceit Fangcun Branch of China Construction Bank in Guangzhou City, 37.93 million yuan of mortgage loans.
Ping Qu Shanghai case: In 2006, Shanghai Pudong Development Banks have been lending in Lujiazui branch, base that there is billion of mortgage loans secured personal property is not real, loan surrogate, so. Bank had commissioned a housing agency sold a mortgage, to recover problem loans.
with the Thai case: In 2006, Thailand Beijing real possession company in connection with the use of imitation employers 签购房合同 87, from Bank 骗贷 67 million yuan.
Chengdu mythical real estate Piandai case: 2005 to 2008, the guess collusion Tangmou Chengdu Housing Authority staff for a fictitious real estate the way real estate authorize to 骗贷. has been involved in real estate authorization has been found in more than a hundred sets, involving an amount of two thousand million! but the situation still beyond development.
increase, this year the accurate requirements of the CBRC repeated orders,
polo tshirt shop, effective in appointment the credit needs of the real economy to prevent the inflow of credit funds, the property market. such things? Why is it that banks are knows to be false, we should also lend to mortgage real estate? Are bank officials is a fool you?
In fact, the bank's officials point not fatuous.
reason is that bank's internal staff is working hand in mitt with the developer's associates. contained in the operation of some of the bank's internal staff is to not pay the loan interest by home buyers for the bank to make money, frankly that they are involved in dividing the spoils - they pilfer the ill-gotten acquisitions attach with the developer, the risk onto the National Bank, and pay the real buyers. Once the real buyers can not buy this immense single- , bank crisis.
this time, the pay is the National People's, the State must recapitalize banks, exclude bad debt. state money comesintoseffect? publish money! results? inflation, soaring prices, hundreds of old money is profitless, or that the money was robbed of the people, whom robbed? by the National shredded plugging, and plugging developers and banks to increase the bore out of the chasm. The cavity is so big, block live is an ugly scar, and pain will always be people.
So I would say - the real estate manufacture has become a relevant units, the relevant departments to ally divided countries, the money (in fact, the people of deposits) props.
violation what the huge deal? bank officials are not terrified ah! the surface of the paper as long as the procedure is complete, and I do not have a liability. Even whether the mortgage lend namely artificial, what is the relationship? Moreover, banks there are countries in this background namely loss will not be afraid, anyway, Bank officials are immediately made money on the line. The bank later apt die indeed, we must administer the citizen Moreover, bank officials that is the next thing. No wonder the wrong debt rate of the Bank of China actually over 40%! turns out that in China, the biggest of the corruption in the bank!!
4, I still think that Zhezhi Shi 极 individual phenomena. If you speak is a mutual phenomenon, Weishi Me Developers do not be repossession?
students would -
for many reasons, there are simple:
1, you do not care about the real estate industry news. such as reason, the case did not disclose.
cover how to do the work? very simple - just a nearly debt, developers will be and the (mortgage) the other's rise, and presently much more than the actual affordability of ordinary people (which means the house will never sell). However, such operations, if necessary from the official point of outlook kind of process, procedure only from the surface of the paper to look at it, it is always valid. This is the bank officials the courage to cover for the reason developers - because the current banking system, at a time 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 solemn 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 capital to do business, all of this, all thanks to loopholes in the system of banks ah! bank loan system, is really The appraisal method of failings.
, for instance, clearly developers get secondhand only 50 million, but he can use this to 1 million mortgage loans; for example, developers building repair repairs to the roof, obviously accustom only 70 million (including the money), but he can use this floor, 2 million mortgage.
If, in accordance with the rules we pawn to do, asset will occur then?
When the developer of mortgage loans with a piece of land, I will personally to verify: developers obtain the land, it actually gave the government 50 million. And, if this is the circumstance, he can only loans to 40 million . for I absence to hazard asset accrued ah!
when the developers mortgage loans with this building, I would personally check: developers fix this building, it really took 20 million (construction costs have only a , excluding land). I will follow all kinds of fatigue,
polo t shirt wholesale, a kind of building substances to list 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 (even together for a mortgage).
Finally, when family buyers mortgage loans, I am indeed not in consensus with the The loan amount is: 70 million × 0.8 × housing district / total zone of this creating.
example: there is a trader selling raiment because the affair turnover, the need to wear for parallel to bank loans. you talk, the bank is the . If the retail price calculated in accordance with the words, do not sell clothes mart business wholly, he sold the bank to make money instantly to the clothes faster! Well, I know, no wonder there will be in China, to live; real estate is sold to the banks, not sold to ordinary people ,
cheap polo tshirt!!
2, methods of accountability retarded
I do not attention whether you complete the paper formalities, at the peak of you are responsible for the business is a problem, hey! I find you then!!!
In addition, 1.62 billion loss to the State House of false Mori after exposure to the mortgage case, the relevant bank officials actually not be held accountable, how can? Hey! If such things happened in my pawn shops, do not say let him mar and death, at least I will ruin him and his relatives !!!
of speech: Yes, ah! the monetary case, the actually not prop the responsibility of the relevant bank officials. it were me, I think China's fiscal case after different. listen to Jun's words, better than reading ten books! listen you saying this, even my stupid people who know how to straighten the property market - at the peak of strict financial system so that people can not real estate access to speculative chief, the property market foam will naturally scatter!!
students would -
you eventually advisable for a meantime. pity!!!
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