Please do no purchase a house and motorcar of the

- Hong Kong's famous economists - Lang
99% of the white-collar workers in China and their families will face bankruptcy. It is inevitable bankruptcy! Run away! It may happen in the next 2-10 years. You can try to doubt this diagram. But it is leap to happen, not alarmist. 'As I prophesied the unavoidable unemployment Chinese state-owned enterprise workers, as in that time no one believed. But it does happen. Because in China, a formative country,GHD NZ, with the unavoidable in order to reserve inflation and reform measures in exchange for economy development. And every time the pains brought about by the reform are the people to afford. When both the countryside and mountainous zones of the educated youngster were confused, or large state-owned enterprises reform and opening up have brought about a large number of laid-off workers near down. If they can have a certain forward-looking, then I think they might stay a little way out for themselves. However, deserving to too much too believe that life will not file and evolution, so that led to the misadventure of their lives. -
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Some say the government will not sit idly by white bankruptcy, the Government has of course not. Some asset ... ... how can I say. I calculate back to the laid-off personnel now. Caused so many social unrest. Can do? Today's white-collar future bankruptcy, they also did it. -
and 20 years of reform and opening up, China's rapid economic development take off. But the old system is not entirely changed. Variety of major industry is still in force is a government monopoly system in operation. Such as: banking, finance, metallurgy, stamina, message, transportation, health care, schooling, and land. China's reform and opening up of these things were not all aspects of the reform and opening. But today, the contradictions brought about by the monopoly is increasingly emphatic. -
bear the brunt of that real estate. As China's legal system is not perfect, principally the field of finance and reform, a crowd of mistakes made by the emergence of real estate has been rising. With the increase in real estate and the concentration of foreign population to the cities. Therefore, the new urban workers is the so-called 'white-collar workers' income is rising on the surface, to Beijing, for example a monthly salary of RMB 3000-15000 everywhere. But this part of the income is mainly secondhand to pay rent or loan. -
In order to thoroughly understand why
99% of the white-collar families may go bankrupt, we must first comprehend why housing prices so high? Where high? Funds are featuring? (Where white-collar families that buy a house or preparing to buy a house.), And the trend to bring the narrated effects. This will be annotated to you in 3 stages. -
1: cause prices soared in the first factor: Bank loans under the open competition. -
housing prices soared in fact, is the chief element for the Government because of the people in the mistakes of pay. Such as a developer before a bank loan by a 10 million development of a house. If not since he got in trouble because all the banks are a system, you owe the money did not also no opportunity to turn around. But China's banking reform on the root of a hole open to competition within the banks so the ICBC, the Agricultural Bank of China, Construction Bank and so on all operate independently. It would have been a good thing. But the problem is that these banks are not personal, but the state. Is not difficult to dream. When a developer from the bank loans 10,000,000 consequences. He only absence 500 million to develop a house, then the price increase, then the development of the price of a house according to his standards of mortgage lending to 20 million from the Agricultural Bank of China, and then use that 20 million of 10 million development of a sets the price higher mortgage the house to find 40 million Construction Bank. Is such a crazy lending prototype snowball. -
house Maibu Mai to go out is not important, the key is the price is higher, not lower prices. Anyway, money is not a personal bank, so a little bit to explicit the President together with another 'legitimate' high retail price of real estate as collateral so naturally getting better and better from the bank loan. -
then this result is that house prices do not just ascend down! Because they can not fall! Out a bank loan or money to never come back. This is the Government's bank, the Government's money! So in order to plug the funding black hole is to buy some of the experts, media, public opinion began to frenzy by various means of coercion of public opinion were to buy a house. -
such as land resources, caustic tension, do not buy a house in the future can only live in the suburbs Yeah like that. Cause people to must buy a house. In fact, can not live in this city simply can not happen this position, the city dwellers is a process of replacement of old and new, to work to live in the city, the retired live in rustic areas like retirement. As long as the population burst will not arise on white-collar workers do not live in the downtown can not be the case. While the media has created a lot of people buy a house, but only so, prices are still not high as it now is outrageous. Then the Government made a second mistake. -
2: occasion prices soared in the second error: a mortgage with Chinese specifics. -
mortgage was originally a very renowned system in the West, and very applicable. However, the use of this system to China once a little problem. Because for large institutional. All banks are state, not personal. Therefore, the gateway can not control borrowing firm. As long for the document makes sense, people will be competent to credit the money. -
early relief to the premier misdeed caused by money dark hole. The Government introduced the system to individual mortgage houses. What is also often cite the United States to his wife and the Chinese woman's example to bait people to the mortgage. It was naturally the mortgage, and it is crazy mortgage. And banks by the time a little 'road' people. They first set of 80 million house mortgage, your down payout and then a 10 million 70 million loan from the bank. Then after the house sale to raise prices to 1.8 million. This time their relatives or to go buy I Met Your Mother,GHD Red Butterfly 2011, but also with the access the mortgage down payment of 30 million own a further 1.5 million loan from the bank. Then go on. They do not how to do the loan? Love Do not calculate bank. Anyway, I do even now under compact on the money you can take the house, we owe the 2 antagonistic. -
so cornered around, driving up the price of the house several times back in the hands of the government back to the bank. This explains why a lot of fix to the starting of new flats to be 'real estate group' bought. Speculation is not gambling their house will laud. It took a house to neat up the banks. -
bank got the house how to do? Are afraid the price. Had to add some value and then sell. So do not even think about mediocre people now buy a real house at reasonable prices! Even if you bought directly from the developer of the hands of the houses might have switched hands several times back in the hands of the banks and developers. To say someone is 8,000 / square in the house, there is only 2500 prices, 5500 is thought to bring money black hole production a wrong decision! That means you are limited to the hard working to wipe. -
3: The third question: white-collar families when bankruptcy? ? -
then we study why the house prices up, again see at the so-called white-collar urban families in China in the prerequisite of bankruptcy. -
first foreign white-collar income is indeed high, but high worth. The so-called white-collar workers in China is generally meager quality. Serious inner friction of Chinese enterprises. Everyone scorn, all headstrong. No wonder foreign companies entered the China market began to exclaim: 'to do commerce in China, not hire people! 'I am too deep. That some people would say: 'Now is not worth the worth of white-collar workers, that Mizuki Zhou Ping you can speak about why they get such a raise? 'In fact, this caused the peppery real estate a amount achieve. Loss of large sum of capital banks via the hands of a few of the flow of the market. These people began to make provocative investments in other areas of China. Because they know thatreal estate is about to collapse. They do distinct round of investment boom is quickly sponge the funds, they provide the Internet, high-tech investment, investment and entertainment, investment many, many. But by least enough to pay staff wages to pay the monthly rent or house for months now. Therefore, it is because rising prices of Chinese urban population established a respective addition wages. Do not believe you do the math in your mean income of urban white-collar workers once completed pay monthly housing money, but also so much money on hand? I think it would not have me meander on it. Psychological several people. So I can say thin a hurry the real estate crash that emulated the collapse of your wages. -
I know there are many, many white-collar workers who have bought the house. Their thinking is simple: 'couple all taxes besides web income per month is also the insurance of 12,000. What kind of housing money to pay 3000? I can buy a set too! 'Yes, nothing. But because the house so what you are expensive. You eat, your traffic, your tuition fees, medical costs and more expensive! ! ,GHD IV Dark Straighteners! So the money you pay the room again except the cost of living is basically a cent to save for it, even now the cache point is also not keep up with normal inflation rate. The answer is will nourish the status quo if so, in theory, should be all right. You two decades earned money just to make up for the loss of two errors. -
But the problem too lies in here. As of the end of the buffer WTO5 years, a great digit of alien communications, banking, medicinal, warranty and so companies ambition have pushed into China. At that period no an tin stop you put money into Citigroup, HSBC deposit. That time to inquire who would be willing apt put money there so numerous wrong debts of state-owned Chinese banks? How to take amounts even now the Government could then escape, so what will happen when the time namely still hard to mention. But one object is certain is that while the oppression of state-owned these banks will transform quite large. Loans will be more laborious to add, because banks have no money to loan-to! At the same time a large digit of foreign-funded enterprises with high-quality talent to enter the Chinese market will bring a lusty shock and the collapse of a large number of existing enterprises and white-collar unemployment. That is. Once the foreign-funded enterprises to enter the championship, China's existing 99% of the white-collar workers will face a big job beneath pressure! -
and foreign banks started to invest in once the amassed funds, real estate, it is normal because of their operational processes so made out of the house will be cheaper, with the inevitable drag the citizen real estate declines. As I said earlier, housing prices have fallen, or is followed by the business in your wages! Can you buy a house before prices will not lower repayment or rebate, so you will be incapable to pay exorbitant loan. Then your house will be taken away by the bank, your deposit will be directly refrigerate. So the future white-collar workers in Chinese cities are most probable and a few decades ago as China's state-owned enterprise workers. Hard two decades, in the end 竹篮打水一场空! -
how to avert bankruptcy? -
see where you should be aware, do not buy a house is a good way to avoid bankruptcy. But I would also like to remind you not to try to jack up the property market down, they have a way, it is not advocating people do not buy a man child! You do not say, this is really a little effect. People now a wharf of the first sentence is: 'do you have room. 'It seems you do not like the room is a eunuch. I am really angry with the strength to swear no. Mizuki weeks in Baidu also post it in this post Ping said: 'do not buy a house do you live? 'I wonder, is there a causal correlate to live and buy it? In China, a land not belonging to your house and rented out to you to sell you What is the distinction? (Laughs). Not to mention the robbers who, like property and improper person to forced evictions! This is not purely a 'Emperor's New Clothes' it? But since the WTO has been that China's issuing industry and the media industry is still not open. Then public opinion will save the market and developers in the hands of the government final trump card. -
so we face a lot of rhetoric, when more than half a head or your own. After a pack of lies we hear speed up property, more crazy! For example, recently there are brick home not valuable in price when the support said: 'What if 5 million annual salary, the couple is also the year of 10 million, 5 years to 50 million. So of course, price is not valuable. 'I was really startled some people nod? Perhaps for this or these have evolved to dine or drink is not nailed and patients do not dress die father and mommy had no use for the maintenance of the brick home really is that the circumstance may be. Therefore, care to vigilance. -
Conclusion: -
must buy a house or preparing to purchase a house
white-collar family home prices will collapse as the collapse happened it would be a slow process. As short as two years or by the time ten years. But this is an irreversible trend. Therefore, China has 99% of urban white-collar family, said a bankruptcy not one alarmist! Today you pay for each housing delivery to the bank for the Government money for real estate speculators who are repairing the hole, only a small portion of the room is real money. Tomorrow, the surroundings changed, and you do not have that much money to fill the hole 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 the pictures! - PS: Why do I say 99% of this number, because according to my understanding once the monthly salary of 99% over 5000 people began to buy a house, or even to buy 3000,4000. What sweethearts do not understand that this life will be wretched going to buy. I just feel sorrowful for them. Of course, if you're that 1% of the wise men, and more to persuade them to save it. Better Together unattended. -
Chinese are the 4 big when -
largest when: real estate -
buy a house average? Means that you have a house of their own. Yes, you thought so, but in China you do not own this house, you just rent it. Because the house is yours, not your land, but the land use rights for 70 years (70 years from immediately it was behind during the War, who saw time in the house?). House is routinely approximately 30 years old renovation or demolition will be met. That method you cost the money to buy a house, but can merely be renting the substantial results. Of lesson this is not the worst. The worst is when a few years afterward, you find that fooled! A team of hooligans broke into you life savings to buy a house, drawing a big Chaizi! Then all of your personalties, like when the waste is still out the door, antagonism your appealing,GHD Hair Straightener NZ, and even the newspapers also give you a nail by a flagrant family, anyone damage of the public when you will know what despair! -
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depicted China's real possession has a prominent joke is written like this: -
antecedent, there was a landlord there are many places to find a lot of permanent go, the landlord to have built a permanent family to a number of building unity, one day, the landlord's advisor on the landlord, said: owner, long-term employment are the hands of these few years some money, they live in your house, the monthly disburse Zuzi, not worth, anyway, they never supply to live, do not you just sell them the house is called from a tricks - public houses for marketing! Tell them that the house belong to them forever, you can retention them money back in recent years, the landlord said: Yes, that rent how to do? Advisor, said: collects no mistake, from a Japanese appoint of children, called the property prices! Landowners to appliance immediately, and make a lot of money, long-term employment are the happy ah! -
a few years, the landlord of the village into town, and the rich pile up, no place to live, advisor to the landlord, said: landlord, long-term employment are the hands and money in recent years, we give them build a new house, called from a transformation of the old tricks, they alternate their money to us, and we demolished the house to build a new, and ask them to buy back, you can sell more than cover a number of others, the landlord has carried out, this time, Some long-term workers are not happy, the landlord's retainers put to use, the permanent teeth have had to beat down the pharynx to the abdomen, the landlord has made a lot of money. -
Then, afterward a few years, the landlord of the village amplified into a big city, and the rich more, the landlord of the land more expensive, and advisor to the landlord, said: club, we put these permanent houses demolished in this place to construct villas, split out of the house sold to cover those who can acquire a sum of money of the millionaire, the landlord said: how to do long-term workers who discontinue? Advisor, said: we give them a little more money, cry their places from a monetary accommodation, then we built our barn afterward to the house, from a cheats called affordable housing, they built a carriage road to allow them to buy over there chamber to live, the landlord said: how do they have enough money? Advisor,GHD Diamond Flag 2011, said: the banks lend from our house to them ahead, 6 points a year profits, but also with money, money, nought whether cubs, not any risk, the landlord has carried out, lasting they got the money, the landlords of affordable housing until now built a long-term employment they had to line up the house, until now, still waiting for it ... ... -
Thus, long-term employment began to make distress, and the landlord a little nervous, hurriedly asked counselors how to do? Advisor Shui: they must notify their long-term employment, the house should be dropped in price, do not buy, rent to live it, fair rent them to our pen, the outcome, so many years, long-term employment have all the money gone, still rental housing, forever! -
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joke though a bit amplified, but in fact it not also true? Some people say that being the case? Why do Chinese people have to buy a house? Crazy to buy? Why? Is not the result of the stupefying education, as if 60 years, advocating that people must buy Big Three: watches, seaming machines, bikes can be a really successful people wed a wife. 70 advocate that people should buy a new four pieces: television, refrigerator,GHD Pink Limited Edition, rinsing machine, setup the phone can be considered as a wife have children to succeed, like remember to setup the phone, but to thousands of dollars a ah (per capita income of the small town of less than 200 ), when tens of thousands of Beijing and Shanghai is more a time, have to take the human number line to buy, and how to buy a house today, the approximation? -
Today all the shit
scholars began to cheat the human of this set of the antique trick: white-collar family of fashionable criteria, fashionable choice for successful small size X ring X Road, X X Road, Central, advertisement and residential type. After you receive hundreds of thousands, must charge you a monthly rent (the current management fee), bank amuse, and assorted sorts of pardons to heave interest rates, policies and so aboard and so along. In short you are no terrified to death, merely terrified not undergo you to dead! Gnaw on how cheerful folk fooled, but a hundred on the tire of it? I am truly offended and get it always rainy!
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second when: Employment -
sigh when someone finally started: the year when the knowledgeable youth, when people are laid off after no way out, no one can sit-in protest opposition the Council, can only be diluted to the avenues Persons who have jeered the melody was also brave in life, start over time. Have you ever thought of! They also have the same scenery and white-collar workers today! Income and status they had let the people around envy? Have you ever thought 20 years later! Like you would like them descend on the avenues, deserted? !
Some say Hey! You do not know the unemployment insurance, stipend insurance, XX insured it? Oh, I float in Beijing, N years, many insurers pay tens of thousands about it, but when the Pao Duantui unemployment and no one gave me Han insurance, but many insurers have been frozen that I had to pay off, and I could and anger ... ... than that, you think you do to the old of 60 can get old-age insurance? Out of the sky without money! Today's pensions get older is that we earn! Today 30-40 years of age usually have several brothers and sisters! Means that today's elderly to get a pension at 60 is because there are 5 people for an old man! And after our generation is the old one for us two old people! Money get down to? Did not must! If you are able to live to 90 years old can receive a number of pension estimates, hey care for it to you. But even so, parents are still mad for the children to the various units in the state-owned enterprises to send, to me to all have such an example. A distant relative of my home, find the relationship between tug friends, spent seventy dollars to his son through an open recruitment crew sent to the traffic police, dry on the contract of police. Get 800 a month. Competition results in the third year was down to the brush. Family crying, I said, a good brush, you earn a lifetime forbid on that seventy that does not return, and quickly wash before sleep, and then scrape together some money to change out a small business, go! Probably can earn. -
when I graduated, I took me uncivil language is holding the money, the Department sent me to the XX. I saw the male responsible for recruitment that morality can not aid the nausea, Made in salary, uncivilized language, I'm the white dry it is not only back 10 years, the cost of food or drink. So I'm a private lad intimidated, scared that potbellied X king no longer afraid to agree me. I have had: to run away. -
I wanted to do not understand? How come Chinese people silly? Such a superstitious country word it? Wake up, that line of thinking is not normal? Prior to his work does not pay to not think cost-effective? -
there are those little young white-collar workers who find work best to pay a higher point, not the insurance to health insurance and nothing, and then save up their best insurance money, will need it. -
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When the third-largest
: Education -
a diploma worth? A diploma worth? A diploma worth? The top of the publishing costs two greenbacks a day. A pedagogue pay? Hey, two students a semester tuition enough! A class book printing how many? Two students, enough! How much rent one level a semester? Hey two students enough. ! Hey! Education in China receive so much money you Why the perdition! ? -
Hey! The people are! Why we have to be taken? Because the verdict class to tell us young scholar was admitted to reputation. I'm apologetic, I was wrong, and is admitted to the University was honored. But why do people never want to think about honor? Why ... ... University scholar credit what is not waste! -
you know who your child is educating it? Generally in China, people can not accustom to society will become a teacher, for example. Some time ago I was a project among the University to find a few graduate students to do procedures. Result very few people silly, do not give you full attention, guarding you only have to work, but also to the documents was a typo, not to change, so you find even told you seriously, is this not his fault , is that you give is erroneous. Little sense of responsibility, will not think whether one is to do things and do things or to do one thing and doing things. I was very calm and gave them reason: you must study to think for others, meditative what additional people ambition results and then do things. Otherwise it is impossible to survive in society. The results of a few, said: We did not go to the community, we are very nice examination results, schools should we have stayed as a teacher. Originally, we have nothing to say the wrong, how do you lay how we do it, do not you arranged for us not to do. This is our reputation and principles. I said: If you go to the porters, the foreman did not arrange for you to work when the lock will not lock up your warehouse? You chilling you? After your child is under the guidance of such a human learn and grow. Rest guaranteed it? -
is no wonder that seminary cohabitation, truancy, fighting, suicide ... ... but the parents are still willing to spend money to bring their kid to educate, and life is to spend the money. -
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fourth-largest when: a automobile -
Chinese people crazy? Buy a car? Why buy a car? ? ? Of course, you not only money spent, you adore how to buy how to buy, buy a car, anyhow, how up you Huabu Wan fuel money, the house demolition you should not feel bad. But most people do? -
I had a colleague to live the North Second Ring, the company Xizhimen there. Most probably take the subway to work each hour. Charade may have to buy a second hand, every a.m. at 8 o'clock on the road Duzhe, and then moved to the enterprise little by little. Hey, a month parking fees are a lot. But they were felt to open the car its own identity senior point. Not to mention open a Charade, Audi is open to whom I have not seen the three knock nine who adore. In addition to look a little silly than others appearance their own no other effect. -
another occasion, I met the girl a month income to 4000, loans to buy a car in the blueprint. So I asked her: little girl, I've got to do business, their work in season, Metro and convenient to buy a car do? Thought for a long time, it is estimated can not think of any cause came and said: occasionally go to the supermarket to buy things right, hit another car close the point is not worth that, walking and I'll say. the point. So drive yourself go! I almost did not hear disgusting. You pedal to the supermarket to buy immediate noodles do not feel sick it? Equipped with cellular calls to go incommunicado, is incommunicado for! Do not think that buying a car can certify anything. -
example, I now own business, very engaged day to run about 4-5 places, penetrate a lot of clients. But I do not buy a car, why? I took a cab that came with the move, hit left, no place to anxiety about parking, do not anxiety about hanging a touch, and without alarm of being thieves tied, regardless of rain has hung the air driver. Bumped a traffic jam if you can get off the metro. More than ten thousand a year will stop RMB! Buy a car! Parking fees had more than ten thousand a year! This is not stupid it? -
Do not buy a car
say do not buy a car, there are innumerable people who can be crazy to go borrow money to buy? Die in their own future must not suffer too like! Buy it, buy a not achieved raising interest rates? Oil prices are not crazy? Parking and is not expensive? Regret not it? The road to a cheapening of the new car sales are also not sell the right? ? -
narrate you that oil prices have to rise. Must be the same as oil prices rose and the dollar. Hey! You take the old U.S. 1 / 10 of earnings, family aid and a price of gasoline. I think you do not must se. -
terminal say, everybody is not stupid, are small by stupefying education Jinong Han had. Silly point does not matter, but of life or death thing you still firm with the point, more calculating the relationship between the economic interests of plan! Do not end, a real estate or oil of a rose, took the money to pay the rest of your life or something Han diploma will not do, for several decades to pay exorbitant taxes and levies being no further Han Han. You can not just post losses of hundreds of thousands. -
What was said? Oh no way, do not, and do not buy a car you, the bus ah good squeeze. I said that out of all the stupefying education is doing curious pretension. You look at me, just rent a house to live more than a thousand chips a month, it is equivalent to some people's property costs. If you want to get marital I still afford to rent 3-4 thousand, and furniture decoration should be a whole. Which convenient, but also where I live. Not want to move to long-term rent. And also a kind of cross-property charges. Province, also in vain that the banks loans, interest, down payment stack. Something hit the car, nothing on the subway, ten thousand days a year, and also save a garage, parking fees, fines and other pile, the oil price rose to 10 also Lehe, do not tarry things. I ran the University did not finish, while the market a self-study while planning to run their own business, do not they also can enter the foreign-listed companies as a manager it? Also saves the tens of thousands of tuition fees. -
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course, some people would say: You do not even have a house to buy, specify no marrying. I thought to myself: I do not, you think you have ah? Some people say that is not worth renting, leasing up just aboutmeone else, hey, do you think has a few years to buy a house lend, paid off is your, ah ... ...