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final night, and a pawn to open lines of student drinking.
I asked the students, Forget about my center silent, very infer!
Students, then I simply deafening, so I was stunned. I speedily consulted widely. Thus, the students told me to say something peculiar, and Frightening words ...... these are my students, even though some words out, but the elementary semantics of I quoted clearly.



one, buy a house without money, how do you manipulate?
students then -
you know, my pledge affair completely on the money with money. First buy a house, nevertheless I have the aptitude to one-time full payment, but I do not ambition the house so many cash was trampled to necrosis. At that time, is fashionable
expiration of one year, paying back the principal and interest to have a. I do not know is it lucky? Or am I disadvantageous! At that time, my money is a business occupied. For business, I not only do not activity back the principal did not say, have dissimilar current loans. Compelling, I find the old relationship - the bank's credit manager trench dollar. When I was hesitant to
honor director give me the motif is simple: to my wife, at double the price of the loan to buy my house, the loan duration is an year. 50,000 given to him. So, I credit director because a knowing laugh ......
This is my first experience to buy a house.
I later buy a house with similar experiences, that is: a firm does not dig a cent, always with a bank loan to buy a house; then, the fact is unknown if the investors encounter (say investors, is Shamao) buy a house, then sell him high. If investors buy a house has not, then continuously to increase their lending to their own house, constantly using bank money to 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, most select 20-year mortgage, and I always buy only loans a year, it is also deserving the principal and interest. This operation, do not pay for the month. The credit expires,Lacoste Swerve Keyline Trainers, I just doing the In fact, I do not dig a penny.

Second, I do not trust, in real life can have such a ridiculous thing. You talking about the
student's words: Brothers! I discern you people ahead you mention these words
dig pit of the stomach. How can you not believe me? How can you believe me?
author statement: you give me an example about the actual point!
students: you know how the throne, pock fortune it?
authors speak:
students then -
then I would talk about.
the past, the king two pockmarks that lonely ah! He even enrolled the company's enrolled capital, is my transient lending to him. Now, do not look the king two pock the surface of landscape, 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 The internal sale, in fact, the king mustered two pock-house staff and some like myself, versed to real estate speculators (or simply to gather some from the job fair, and many, nominee of the to label these people to buy a house, all the bank loans accustomed to buy. This is the so-called
and that the transaction reported to the bank's trading price, the house must be higher than the actual transaction price additional by 30%. Why? Because loans to two percentage down payment to buy a house ah! For example, if you want to recover 100 million and then you have to price 1.3 million to bank loans. In this way, 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 In this way, via the opening before the internal sale, king, pock yet successfully recover all the investment, all the risk transferred to the bank. By this time, the king two pock will begin advertising to sell the house,Lacoste Radiate Croc Trainers, and the return of
author statement: the back, how does it work?
students then -
how do you favor Bena! Slightly smarter people can think of, emulated along means of operation, in fact, real estate and my approximate namely the same, that is: ashore high-priced to sell him; if no investor has to purchase a house, then continued to boost their lending to their own house, often using bank money to the banks of the debt. , because they have regained the premier pledge disbursement, so the worker does not need to behind increases 30% every time, equitable according to the rate of addition in property prices would mushroom on it (that is, up about 14% per annual) .
what? If prices rise enough to pay the loan interest rate how to do?
Laugh if you saw the Chinese property market when the price heaves lower than a year's loan amuse?
understand it! This is the China property market,Lacoste Running Trainers, prices can only go up not down; and, the rate of increase in house prices can not be fewer than the loan interest when the real reason! !
think I felt preposterous, actually, some savants said, In fact, the
to the breakdown of Shanghai Lotus Riverside, for example. Published online, the floor price of less than 604 yuan / square measure, construction costs not to 1,300 yuan / square meter (in fact, promulgated online by the construction cost is not accurate. Municipal Court elevator the overall quality of the apartment building than it Well construction cost does not exceed 1,000 yuan / square meter) house so inexpensive, why do we have to have it sold to developers to 14,000 yuan / square meter it? Sell ​​low-point, a mini less money not it? The question is insufficient. The reason is simple, Only continuous increase, only to survive the operation. So, Lotus Riverside two years ago to sell 7,000 yuan / square meter last year, selling 10,000 yuan / square meter, have not sold for this year 14,000 yuan / square meter. As the saying goes, This is the
have encapsulates the facts of China's current property market, house prices will continue to increase? And also Why? Is here!



Third, you said, only a quite individual phenomenon, can not represent the overall location of China's property market.
students, then -
old school, you are too inexperienced of it. See:
Li Shubiao case: September 8, 1999 to January 15, 2004, Chenzhou City, Hunan, sometime director of housing provident fund management megalopolis Li Shubiao fraudulent fund loans, bank loans, a total of 44 pen , involving 120 million yuan.
Cummins Case: before and after 2000, Zhengzhou, Henan Hong Ming Ming Garden Property Co., Ltd. 414 East Suite by source, in the Industrial and Commercial Bank, Bank, Construction Bank, Merchants Bank repeated a total of 690 mortgage loans sets,Lacoste, at least cash in bank capital of 2 billion.
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 false mortgage case: From mid-1997 to 2002 in the first half, the arrival of China in Beijing Real Estate Development Company to Sen Hao room, also under the guise of Lee Garden, take off the mortgage course to Bank of China Beijing Branch, Bank of Beijing Zhongguancun Branch, Bank of Beijing Exhibition Road Branch three banks Piandai absolute 1.62 billion yuan. (See one hundred million yuan false mortgage. Shanwei City, Guangdong Province, only the Public Security Bureau deputy mentor of a person, that is fraud Fangcun Construction Bank Guangzhou Branch mortgage 37.93 million yuan.
Ping Qu Shanghai case: In 2006, Shanghai Lujiazui, Pudong Development Bank has branches in loans, base that one hundred million yuan of private property secured loans there are not real, loan deputies for billion of bank housing agency had commissioned the mortgaged property sold to recover problem loans.
with the Thai case: In 2006, Thailand Beijing real estate company with 87 suspected of using disloyal purchase signed by the employers contract, Piandai 67 million yuan from the bank.
Chengdu mythical real estate Piandai case: 2005 to 2008, the suspect collusion Tangmou Chengdu Housing Authority staff to apply for a fictitious real estate the way real estate evidence for Piandai. has been found involved real estate copyright for more than more than 100 sets, involving nearly twenty million yuan! but the situation still further development.
In adding, this repeated mandates CBRC remove requirements, Why would so numerous such entities occur? Why the country's banks that is false, we ought also lend money to real estate mortgage provider? Do bankers are fools do?
fact , the bank officials not silly.
because the bank's internal staff is working hand in mitt with developers associates. to partake in the operation of some of the bank's internal staff is by no means wish to pay by buyers bank loan interest for the money, frankly, they are involved in dividing the spoils - they embezzle the ill-gotten gains together with the developer, the risk onto the national bank, and pay the real buyers once the purchase of real those who can not buy this huge house solo, the bank emergency.
this time, people across the country is disbursing a state must recapitalize banks, exclude wrong debt, the State's money get cracking? print money! results What? inflation, rising prices, antique 100 of the money is profitless, or that the people's money was pillaged, pillaged whom? plugging shredded by the state,Lacoste Protect Laser Trainers, and blocking developers and banks to increase the pierce out of the hole and this hole is so large, blocking is an ugly scar, and grief will all be people.
so I would say - the real estate manufacture has chance a relevant elements, the relevant departments to mingle divided State money (in fact, people's deposits) of the props.
unlawful what the big handle? bank officials are not scared ah! the surface of the paper at the peak of the program is complete, and I, there is no responsibility, even if the mortgage loans is false, what is the relationship? Moreover, this background of citizen banks, is also not terrified of a loss, anyway, Bank officials are immediately made money on the line. As for the bank after the dead, there are countries to administer natural Moreover, it is something the next bank officials No wonder the Bank of China's bad debt rate of 40% or more actually! incipient, in China, the biggest corruption in the bank!!

4, I still believe that this is only a very few phenomenon, if you speak is a universal phenomenon, why do not developers are repossession?
students, then -
many reasons , there are simple:
1, you do not care about the real estate industry newspaper, such as how to do the work? very simple - nearly at a time a debt repayment period,
and developers will be chips much faster than the tangible capacity of the people (which method the house will never sell), but such an operation, if the only variety of procedure from the official point of view, only from the surface of the periodical formalities of view, then it is always lawful. This is the bank officials to developers who defiance to cover for the reason - because the current banking system, at the peak of the surface of the periodical formalities complete, the bank officials, there is no responsibility.

Five, you average is that the new bank loan system has solemn flaws?
students, then -
course!
I can not spend money to buy so many houses and pavement, and even set out from the bank by the house so much working capital do business, all of this, all thanks to the bank's system vulnerabilities ah! bank loan system, really. agreeable system to serve the people, method of assessing the value of retarded.
for example, clearly the developers get only 50 million, but he can use this to 1 million mortgages; For example, developers architecture repair to dome repair , apparently with only 70 million (including the money), but he can use this erection mortgage 2 billion.
If, in accordance with the rules we have pawn shops to do, what will happen?
When developers use the land mortgage, I will personally work to verify: the developers get the land, it truly gave the administration 50 million. And if this is true, he highest to 40 million loans, because I want to hazard funds accrued ah!
when developers use the building mortgage, I will personally verify: developers mend the floor, it really took 20 million (counting only the price of construction, excluding land), I will follow a kind of fatigue, a variety of building substances to account for the lowest floor of the construction cost, and if you repair the floor, did the developer has spent 20 million, he maximum only loans 70 million × 0.8 = 5600 million (even attach for a mortgage).
Finally, when home consumers mortgage loans, I am absolutely not in agreement with the most buyers are skillful to get the loan amount: 70 million × 0.8 × purchase space / total place of ​​this floor.
example: there is a magnate selling clothing because business turnover, the need for clothing for the parallel to the bank loans you talk, the bank is the statement: of course, calculate the ex-works, if thought, then the retail price, traders simply do not sell clothes shop, he sold the clothes instantly to the bank to make money faster!
Well, I comprehend, No wonder China will be ! mortgage house amount, not customer transactions to determine ah,Lacoste Shua Lace Trainers!!
2, the accountability approach flawed
officials, there is no responsibility. to detect you afterwards!!!
In addition, 1.62 billion loss for the national woods after exposure to high false mortgage case, is not actually narrated to bank officials be held accountable, how can it? Hey! If this asset happened in my pawn shops, not to advert his family broke up, I at least let him and his relatives go bankrupt!!!
writer speak: Yes ah! the fiscal circumstance, really does not pursue the pertinent bank officials liability into me, I meditation human who know how apt straighten out the property - at the peak of rigid financial system so namely folk can no get speculative real possession asset, property mart foam ambition certainly dispel!!
Students then -
you eventually advisable up a back, but unfortunately!!!