Please do not buy a house and car of a friend must seriously look at
- Hong Kong's famous economist - Lang
99% of China's white-collar workers and their families will face bankruptcy. But unavoidable bankruptcy! Run away! This may happen in the afterward 2-10 years. You can try to doubt this diagram. But it is jump to happen, not alarmist. 'As I prophesied the inevitable Chinese state-owned enterprise workers, the unemployed, as in that time no one believed. But it does happen. Because in China, a developing country, its leap to keep to inflation and reforming means for economic development. And each time the aches of reform brought to bear by the people. Whether it is mountainous and rural areas of the taught youth were confused, or when the reform and opening up a large number of state-owned enterprises have been closed down when a large number of laid-off workers. If they have a certain forward-looking, then I think they may quit a little for their own posterior. However, deserving to over-confident and over-confident life will not file mutations, accordingly causing the catastrophe 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 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 morrow as it has. -
and 20 years of reform and beginning up, China's fast economic development take off. But the age system does not completely change. A kind of essential manufacture is still in coerce is a administration monopoly system in operation. Such as: banking, finance, metallurgy, vigor, message, transportation, health concern, education, and land. China's reform and opening up of these things can not be all aspects of reform and opening up. But today, monopoly brought ever more affirmed. -
bear the brunt of real estate. As China's valid system is not faultless, particularly the field of finance and reform, the emergence of a variety of errors made by real estate has been rising. With the increase in real estate and the natural population to focus 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 portion of the income is effectively used to pay rent, or loan. -
To better comprehend why 99 percent of white-collar families will go bankrupt, we must first understand why the prices so lofty? High, where? Funds work? (This refers to white-collar ready to buy a house buy a house or home.) And the evolution trend of related effects. This story will annotate to you in 3 stages. -
1: cause prices soared, the first factor: Bank loans under open competition. -
In fact, housing prices soared
main factors 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 play that bad fortune,
GHD Hair Straightener, 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 basis of a hole open to competition between the banks so the ICBC, Agricultural Bank, Construction Bank, and so on all operate 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 absence 5 million to develop a house, then the price increase, then the development of the price of the house according to his criterion mortgage loans to 20 million from the ABC again, 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 important, the key is the price higher, not lower prices. Anyway, the bank's money is not personal, so a little bit to clear the premier have combined with 'legal' high retail price of real estate as collateral so indeed getting better and better from bank loans. -
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 block the funding dark cavity is to buy some of the specialists, the media began to create public attitude using a variety of media mania manner 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 dwellers 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 explosion will not arise on white-collar workers do not live downtown can not be the case. Although these media caused a lot of people buy a house, but only so high prices have not at present off the brand now. Then the government made the second mistake. -
2: prices soared, guiding to the second error: a mortgage with Chinese characteristics. -
pledge would be a very renowned system in the West, is also very proper. However, this system applied to China once a little problem. Because for large institutional. All banks are state, not personal. The lending this juncture it is impossible to control is maintained. As long as the document makes sense, people will be capable to credit to the article. -
to the first error as presently 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 example to lure 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 after the house marketing 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 payout 300,000 loan from the bank 1.5 million. Then on the stuff. They do not how to do the loan? Banks love collection dictate. Anyway, I'm not under contract can take away your money on the house,
GHD Green Straighteners, we have two conflicting less. -
so cornered nigh, heaved several times the price of the house back to the hands of the government back to the bank. This explains why the starting of many new real estate fix was 'real estate group' bought. They are not fried gambling house will laud. 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 value and then sell. So mediocre people are now not even think to buy a house really reasonable price! Even if you bought directly from the hands of developers house might have switched hands several times returned to the hands of the banks and developers. To say someone now 8000 / level house, there are only 2,500 is the price, 5,500 are thought to bring the money black hole production mistakes! That means 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 necessity of bankruptcy. -
first foreign white-collar income is really high, but high value. The Chinese called the white-collar workers are generally poor quality. Chinese enterprises serious inner friction. Everyone scorn all stubborn. No wonder foreign companies entered the China market began to exclaim: 'in China people do not employ enterprise! 'I am also fully understood. That someone 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 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 provocative investments in other areas of China. Because they knew that real estate is after hours collapse. They do different circular of investment prosperity is rapidly preoccupy the funds, they invest in the Internet, high-tech investment, investment and entertainment, investment many, many. But by 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 remuneration amplify. You do the math you do not believe the city where the mean 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 no time the real estate crash that followed the collapse of your wages. -
I know there are many, many white-collar workers who have bought the house. Their meditative is simple: 'The couple opened a variety of revenue assurance, in addition to the monthly net income is also 12000. What kind of housing money to pay 3000? I can buy a set too! 'Yes, nothing. But because your house so what are expensive. Eat your, your transportation, your tuition fees, medical costs are more expensive! ! ! So the money you pay the room individually from the cost of alive and then basically kept a penny for it, even if the retention 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 acquired money just to make up for the detriment of two errors. -
but the problem out here. With WTO5-year elegance time 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 approximately 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 escape, so what will happen when the time is still hard to say. But one thing is decisive is that these banks to China's state when the oppression will become colossal. Loans will be complicated to increase on, because banks have no money to credit! At the same time a massive number of high-quality genius with foreign-funded enterprises to enter the Chinese market will send a lusty impact and the collapse of a great 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 oppression context! -
and diplomatic banks started to invest in once the amassed funds in real estate, then customary operation for they are made out of the house so the process will be inexpensive, must shove its national real estate dripped sharply. As I said earlier, prices have fallen, alternatively is followed by the affair in your wages! Can you buy a house ahead the lend will not reduce alternatively dilute the cost, so you will be incapable to pay exorbitant loan. Then your house will take away the bank, your deposit will be directly frozen. So the hereafter of Chinese cities may be the greatest white-collar laborers and a few decades ago, like the Chinese state-owned undertaking workmen. 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 avert bankruptcy. But I would also like to remind you, in order to push up the property market does not fall, they have a way that is not advocating people do not buy a man child! You say, this really little effect. Now people a mouth first sentence is: 'do you have room. 'You do not appear the same room is a eunuch. I am really petulant with the strength to damn 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 link to live and buy it? 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 bandits who forced evictions of people wrong! This is not simply 'the emperor's new clothes' it? But since the WTO has signified that the publishing 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 final trump card. -
so we face a lot of rhetoric, while more than half a head or your own. After a package of lies we hear pile up housing, scale up outrageous! Such as recent prices have brick family not expensive when advocating say: 'What if 50,000 yearly salary, the couple is 100,000 a year, 5 years to 500,000. So of way, price is not valuable. 'I was wondered that something really nod? Perhaps as this or these have evolved to eat or nectar without disease does not move and do not wear dead father and mommy had no use for the maintenance of the brick home may actually 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 collapse with the collapse of housing prices, that would be a slow process that occurs. Short as two years or at the peak of 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 part 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 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 sad for them. Of course, if you are that 1 percent of the sage, than to argue them to save it. Better Together single. -
Chinese are the four big 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,
GHD Pink Limited Edition, 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 or so 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 gates, regardless of your alleging, and even still you press on a newspaper account of the flagrant identify, anyone abuse of the public when you will know what despair! -
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described 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 permanent work,
GHD IV Pink Straighteners, and the landlord to cover a number of long-term workers who lived in erection consensus, one day, the landlord's advisors on the landlord, said: owner, long-term workers were on hand in recent years a little money, and they live in your house, the monthly pay Zuzi, worth, anyway, they will never afford to live, do not you just sell them the house from a tricks is called - public houses for sale! 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,
GHD Classic Straighteners, said: according to income is not wrong, from a Japanese name of children, called the treatment fee! Landlord quickly implemented, and made a lot of money, long-term employment are the happy ah! -
a few years, the landlord of the village into town, and the rich speed up,
GHD Carry Case & Heat Mat, no place to live, advisor to the landlord, said: union, long-term workers were above hand and money in recent years, we give them build a new house, cried from a transformation of the old tricks, they deal the money to us, we pulled down to build a new house, and acquaint them to buy behind, you can sell more than cover some of the others, the landlord has carried out, this time, Some long-term workers are not cheerful, the landlord of the retainers come in use, the permanent teeth have had to beat down the pharynx to the abdomen, 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 expensive, advisor to the landlord, said: club, we put these permanent houses demolished in this place to build villas, split out to cover the house sold to the millionaire who can earn a amount 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 allow 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 root, 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 employ began to make difficulty, and the owner a mini nervous, hurriedly asked counselors how to do? Advisor, said: They must notify the lasting house to be dropped in price, do not buy, hire to live it, fair rented it to them our pen, the result, later so numerous years, long-term employment have always the money worked, are still renters, forever! -
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joke although a morsel exaggerated, yet in fact it no also true? Some people say namely being the case? Why do Chinese people have to purchase a house? Mad apt purchase? Why? The outcome of pedagogy is no obscurantism, as if 60 years, advocating that people have to buy the Big Three: watches, seaming machines, bikes really successful people tin marry a wife. 70 years advocating that people must buy 4 fashionable pieces: television, refrigerators, rinsing machines, tel equipment can be thought apt succeed for a wife have children, remember the thousands of greenbacks to setup a phone, merely ah (per capita income of less than 200 town ), meantime 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 alike? -
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 commercial type. After you receive hundreds of thousands, have to charge you a monthly rent (the new property fee), bank interest, and various sorts of pretexts to raise interest rates, policies, and so on and so along. In short you do not be afraid to necrosis, not afraid to die you miserable! Gnaw on how happy the people fooled, but one hundred tire on it? I am really angry and get it all rainy!
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second when: Employment -
When someone finally began to sigh: the year when the educated youth, when people are laid off after no way out, no one can sit-in protest ignored, can only be reduced on the streets who compiled the anthem was also ridiculed the brave 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 later! Like you would like them descend on the streets, deserted? !
Some people say hey! You do not know the unemployment insurance, subsidy insurance, XX insured it? Oh, I drift in Beijing N years, many 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 anger ... ... More than that, you think to the age of 60 you can get really old-age insurance additionally? Not out of the sky and money! Today's pensions are older we get the earned! Today 30-40 year-olds commonly have several brothers and sisters! Means that today's aged to get a pension 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 busy? 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 distribution of state-owned units, to me it forever has such examples. A distant respective of my home, find the relationship among drag 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 crying, I said, a good brush, you earn a lifetime forbid on that does not back that 70,000 first wash sleep speedily, and then scrape attach some money to change out a small business go! Probably can earn. -
when I graduated, I led my profanity is holding the money, the department sent me to XX. I saw that the man responsible for recruitment morality, could not help the nausea, Made in salary, profanity Yeah, I is not eat or drink until the white dry-back 10-year cost. So I had that lad a privately threatened, horrified that potbellied X no longer scared to admit I am central. I just must have: away from home. -
I wanted to do not understand? Chinese people ye so foolish? Such a superstitious country word it? Wake up, thinking that the line is not normal? Prior to his work does not pay to not enumerate 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. -
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third when: Education -
a diploma value? A diploma value? A diploma worth? Top of the publishing costs two dollars a day. A teachers salary? Hey, two students a semester of tuition enough! A level paperback typography how much money? Two students enough! How many rent a level a semester? Hey two students enough. ! Hey! China Education Why the hell you receive so much money! ? -
Hey! The people are! Why should we be cheated? Because the small ruling class told us was confessed savant prestige. Oh sorry I am wrong, is it honorable to go to college. Why do people think about but never go to glory? Why is glorious ... ... University scholar and how not waste! -
you understand who your child is instructing it? In China are generally unable to adjust to society, people would chance a teacher, for instance. Some time ago I as a project, find a few college students act master's program. The results are quite few people stupid, do not give you full attention, you have to forsake 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 bad. Little sense of responsibility, will not consider whether one array to asset and do asset or to do 1 entity and doing asset. I was quite tranquilize to reason with them: you must learn to muse for others, the results of re-thinking people ambition 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 nice ample, we are staying in educate to a preceptor. We had naught to say the wrong, how do you plan 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 boss did not lay for you to go when you do not bolt arsenal latch it? You chilling you? After your child is below the guidance of such a human learn and grow. You ease it? -
cohabitation is no marvel that university, truancy, fighting, suicide ... but the parents are still willing to cost money to send their children to school, but a lifetime to cost 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 merely 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 accustomed to have a colleague
live North Second Ring Road, the company Xizhimen there. Most probably take the subway to work every hour. May must buy a second-hand Charade, 8:00 every morning to start on the road Duzhe, then moved a little bit of company. 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 9 of whom three adore. In addition to seem a little silly than others appearance their own no other 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 convenient to buy a car do? Like a long time, it is estimated could not think of a reason to say: Sometimes things go to the supermarket to buy it, they feel a taxi approach the point is not worth the walk but far from the point. So pedal yourself go! I virtually did not hear disgusting. You drive to the supermarket to buy instant noodles do not feel sick it? Equipped with cellular phones to Jianla Ji, also Jianla Ji's! Do not think that buying a car can testify everything. -
instance, I now own business, busy day, walked about 4-5 places, look many clients. But I do not buy a motorcar, why? I kick that car with the move to, kick left, no place to anxiety about parking, do not worry about hanging a touch, and without terror of being 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 chips RMB! Buy a motorcar! Parking fees had more than ten thousand a year! This is not stupid it? -
Do not buy a car do not buy a car
said, there are innumerable people who can be mad to go lend money to buy? Must not be too pathetic to die like their future! Buy it, buy a not achieved raising amuse 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 must mushroom. Must be the same as fuel prices rose and dollars. Hey! You take the old U.S. 1 / 10 of income, and others a raise petroleum prices. I see that you do not have to se. -
terminal say, everybody is not stupid, there was only a stupefying education 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 plan! Other end of the day, real estate have fallen, oil price rise, the money to pay the rest of my life took a diploma, or what what is not dry, for several decades to pay exorbitant taxes 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 mobbed Yeah. I say all is narcissism educated fools doing curious. You see 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 lease. 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 heap, oil prices rose 10 Lehe also not defer things. I ran the university did not finish, while the market a self-study while maneuvering to run 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, clarify get marital. I thought to myself: I do not, you think you have ah? Some people say that renting is not worth the rent is over know next to nothing ofmeone else, hey, you think to buy a house but also for decades loans paid off is your, ah ... ...
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