Now {purchase} a house , {merely} a {cheat} pays !

last night, and a pawn to open lines of student drinking.

I asked the students,

Forget about my center silent, very suspect!



students, then I simply deafening, so I was stunned. I immediately consulted widely. Thus, the students told me some amazing
say, impact it to ...... these are my students, even though some words out,
but the elementary semantics of I quoted apparently.


one, buy a house without money, how do you operate?

students, then -
you know, my pawn business completely on the money with money. First buy a house, although I have the competence to pay off all
money, but I do not want the house so many cash was trampled to death. At that time, is fashionable

breath of one year, paying back the principal and interest to have a. I do not know is it lucky? Or am I unlucky! At that time, my money
occupied by a business. For business, I not only do not play back the principal did not say, have another current loans. Forced,
I find the age relationship - the bank's honor manager trench greenback. When I was hesitant to

credit manager give me the motif is simple: to my wife, by twice the price of the loan to buy my house, the loan time
restrict is one year.


a person can not get, I at least give him 50,000 points. So, I ignored the heart of the credit by
smile ......
This is my first experience to buy a house.

I after buy a house with alike experiences, that is: a firm does not dig a penny, always with a bank loan to buy a house
child; then, the truth is nameless if the investor meets ( that investors, in fact, Shamao) buy a house, then sold at high prices
him. If investors buy a house has not, then continuously to addition their loaning to their own house, keep the money with the bank
the banks of the debt.

and I open pawn shops, the bank's relationship with the mean person can not liken. Ordinary people to buy a house, maximum of the voting
select 20-year mortgage, and I always buy only loans a year, was also deserving the principal and interest. This operation, do not pay
for the month. The credit expires, I just act the In fact, I do not have a penny dig
.


Second, I do not believe, in real life can have such a ridiculous thing. You talking about the

student's words: Brothers! I penetrate you people ahead you say these words dig pit of the abdomen. How can you not believe me
? How can you trust me?
author statement: you give me an example about the actual point!
students: you know how the potentate, pock luck it?
authors speak:
students, then -

that I speak about.

the elapse, the king two pockmarks that lonesome ah! He even enrolled the company's registered capital, is my short-lived lending to his
. Now, do not see the king 2 pock the surface of scenery, he take the money from bank loans; repair the house money, builders
Loaning. In short, he is a complete

house repaired, Wang 2 pock before the official opening, ordinarily to hold an This internal recognition
purchase, in fact, the king summoned two pock-house staff and some like myself, familiar to real estate speculators (or simply some of
collected from the job just, many, candidates This is the so-called

and that the transaction reported to the bank's trading price, the house must be higher than the substantial transaction price increased by 30%. Why?
Because loans to two percent down payment to buy a house ah! For example, if you ambition to recover 100 million and then you must
to 1.3 million bank loan costs. In this path,GHD Straighteners, banks give you money is: 1.3 million × 0.8 = 104 million; you actually pocket the money is:
104 000 -4 million (to the relevant bank staff the

this way, through the prologue before the internal bargain, king, pock already successfully recover all the investment risk of all
transferred to the bank. By this time, the king two pock will start advertising to sell the house, and the return of


author speak: the back, how does it work?

students, then -

how do you favor Bena! Slightly smarter people can think of, followed by means of action, in fact, square with my real possession
method is the same, that is: buy a house,
then sell him high; if no investor has to buy a house, then continued to increase their lending to their own house,
persisted with the bank's money to the banks of debt . increase on it (that is, up about 14% per year).

what? If prices ascend ample to pay the loan interest rate how to do? Joke, when you saw China's housing prices
property loan interest rate is lower than a year?

comprehend it! This is the China property mart, prices can only work up not down; and, the rate of increase in house prices can not
year loan interest is lower than the real reason! !
think I felt absurd, actually, some savants said, In fact, the

to the breakdown of Shanghai Lotus Riverside, for instance. Published online, the floor price of less than 604 yuan / square meter, this is not building into
to 1,300 yuan / square measure (in fact, published online by the construction cost is not accurate. Municipal Court elevator room creating quality
The absolute measure than its right, the construction cost does not surpass 1,000 yuan / square meter) house so inexpensive, why the developers must make it non-
sell 14,000 yuan / square meter it? Sell ​​low-point, a mini fewer money not it? The response is not enough. The cause is simple
single, Only the constant increase
, only to survive the operation. So, Lotus Riverside two years antecedent to sell 7,000 yuan / square meter last year, selling 10,000 yuan
/ square meter, have not sold for this annual 14,000 yuan / square meter. As the saying goes, This is the

have encapsulates the facts of China's current property market, br> old educate, you think about the current property market, house prices obviously has far more than the actual purchase of mediocre people can
force (which means the house will never sell), why house prices will keep up? And also Why? Is here!


Third, you said, only a quite individual phenomenon, can not represent the overall situation of China's property market.

students, then -

old school, you are too ignorant of it. See:

Li Shubiao case: September 8, 1999 to January 15, 2004, Chenzhou City, Hunan, sometime director of housing provident fund treatment hub
Li Shubiao fraud fund loans, bank loans, a total of 44 pens, involved the amount of $ 120 million.

Cummins Case: before and after 2000, Zhengzhou, Henan Hong Ming Ming Garden Property Co., Ltd. 414 East Suite by source, in ICBC
line, Bank, Construction Bank, Merchants Bank continual a total of over 690 mortgage sets, catching at least 200 million of bank funds
yuan.

Yao Kangda case: from 2002 to first half of 2003, Shanghai Waigaoqiao Free Trade Zone and Commercial Bank of China branch to the .

Sen Hao disloyal mortgage case: From mid-1997 to the premier half of 2002, the arrival of China in Beijing Real Estate Development Company to Sen Hao
apartment, so beneath the guise of Lee Garden, take off the way the mortgage to the Bank of China Beijing Branch, Bank of Beijing Zhongguancun Branch, North
Beijing Exhibition Road Branch Bank Piandai three banks totaled 1.62 billion yuan. (See
found 1 billion yuan false mortgage. Shanwei City, Guangdong Province, only the Public Security Bureau agent manager of a person, that is fraud Fangcun Construction Bank Guangzhou Branch
mortgage 37.93 million yuan.

Qu Shanghai flat case: In 2006, the Shanghai Pudong Development Bank has been lending in Lujiazui branch,GHD Black Butterfly 2011, found that one hundred million yuan private housing mortgage loans exist
product of false mortgage loan proxies as narrated to mortgage up to 91
pen, involving an amount of 4 billion yuan of bank housing agent had commissioned the mortgaged property sold to recover problem loans.


with the Thai case: In 2006, Beijing Thai real estate enterprise with 87 suspected of using counterfeit landlords 签购房合同, deceive
loans from the bank 67 million yuan.

Chengdu mythical real estate Piandai case: 2005 to 2008, offense guess collusion Tangmou
Chengdu Housing Authority staff to work the way the fictional real estate real estate authorization for Piandai. has been found involved in real estate authorization now more than 130 sets, involving approximately twenty million yuan and the amount
! but the situation still further development.

In addition, this year the accurate requirements of the CBRC's repeated claims, , 4 trillion of asset into the property market is still ......

old school, you think, why so many such asset happen? Why the country's banks is knowing
Road ######## real estate mortgage, we ought also lend money to them? Do bankers are cheats do?

In fact, bank officials not stupid.

for the bank's internal staff and the developer is working hand in glove associates. to participate in the operation of definite banks
inner staff not hope to disburse interest aboard the loan by family buyers as the bank to make money, frankly, they are contained in dividing the spoils
- - embezzle their ill-gotten gains together with the developer, the risk onto the national bank,GHD Hair Straighteners, and pay the real buyers
. Once the real buyers can not buy this colossal unattached bank emergency .

this time, the pay is that people along the nation, the state must recapitalize banks, exclude bad debt, the State where the money come?
print money! results? inflation, rising prices, the old one hundred of the money is worthless, or that the people's money to be
robbed, pillaged whom? plugging snatched by the state, and blocking developers and banks to increase the pierce out of the hole and this aperture, such as
This great,GHD IV Salon Straighteners, blocking is an ugly scar, and anguish will forever be people.

so I would say - the real estate manufacture has chance a relevant elements, the relevant divisions to unite divided countries, money (in fact
is the people's deposits) of the props.

unlawful what the big deal? bank officials are not terrified ah! the surface of the paper at a time the program is complete, I will not
responsibility, even if mortgage loans is false, what is the relationship? Moreover, this background of citizen banks, is also not afraid loss
, anyway, Bank officials are now made money on the line. As for the bank after the die, there are countries to manage natural Moreover, it Bank officials are
the next entity. No wonder the Bank of China's bad debt rate of 40% alternatively extra actually! original, in China, the biggest corruption
in the bank!!


4, I still believe that this phenomenon is only a very few, if what you say is a universal phenomenon, why not be open
License repossession it?

students, then -

reason There are numerous, there are simple:

1, you do not attention about the real estate industry news, such as close to the debt repayment period, the developer will and the still in the hands of developers), so that operation, the developer will never be repossession.

Although this operation, the prices will continue to rise, and presently distant exceed the actual capacity of the people ( also means the house will never sell
taste), but such operations, if only from the lawful point of outlook variety of process, only from the surface of the paper
procedures of view, then it is always legal. This is the bank officials to developers who defiance to cover for the reason - because
the new banking system, at the peak of the surface of the paper formalities complete, the bank officials, there is no responsibility.


5, you mean is that the current bank loan system has serious flaws?

students,GHD Classic Styler Straighteners, then -

course!

I can not cost money buy so many houses and sidewalk,GHD Kiss Styler Straighteners, and even set out from the bank by the house so many working capital do
business, all of this, all thanks to the bank's system vulnerabilities ah! bank loan system, is really services
good system, assessment methods are flawed.

, case in point, clearly the developers get only 50 million, but he can use this to 1 billion mortgage loans; for example, open
License to repair floor repair Cover the top, obviously only a 70 million (including the money), yet he can use this building mortgage 2 billion.

If, in accordance with the rules we have pawn shops to do, what will occur?

When developers use the land mortgage, I will personally go to verify: the developers get the land, it really gave the administration 50 million government
. and if this is true, He can only loans to 40 million, because I want to risk detaining funds
ah!

when developers use the building mortgage, I ambition individually verify: developers repair the building, whether really took
2000 million (counting only the construction costs, excluding land), I will emulate all labor, accounting for a diversity of building substances to the lowest floor of the building which
a price and, if evolution repair business actually took the floor, 20 million, he tin merely lending 70 million
× 0.8 = 5600 million (even together for a mortgage).

Finally, when home buyers mortgage loans, I absolutely impossible in accordance with the example: there is a magnate selling clothes because business turnover, the absence to clothe as parallel to bank loans.
you say that the bank is the according to 20% off the retail price of dressing He sold the dress directly to the bank to make money faster! Well, I understand, no wonder the Chinese will be people's failings

, by the time you are responsible for the business is a problem, hey!
I find you afterwards!!!

In adding, 1.62 billion wastage for the national forest behind exposure to lofty false mortgage case, the relevant bank Officials were not actually held
responsibility, how can it? Hey! if such a thing happened in my pawn shops, not to mention his household members die,
I at least let him and his relatives go bankrupt!! !

lyricist speak: Yes ah! the monetary circumstance, actually did no prop the duty of the relevant bank officials. into me, I
feel No wonder China's financial case after different, listening to Jun's words
, better than perusing ten books! listen to you talk about here, even my stupid people who know how to straighten out the property - at a time rigid financial
grid system so that people can not get speculative real estate funds, property market foam will naturally disperse!!

students, then -

you finally advisable for a meantime. compassion!! !