last night, and a pawn to open the students to nectar.
I queried students, Mo forget about my center, very suspect!
Students, then I simply deafening, so I was stunned. I instantly consulted widely. Thus, students to acquaint me something amazing, and Frightening words ...... the following, all my classmates, even although some words out, but the basic semantic remove I was relaying the.
one, purchase a house without money, how do you operate?
students so -
you know, my pawn business entirely on the money begets money. First buy a house, notwithstanding I have the aptitude to one-time full disbursement, but I do not absence the house so much cash was trampled to death. At that time, is popular
as one annual, too paying behind the principal and interest to the. Fortunately, I do not know it? Or my wrong fortune! At that time, my money is a business occupies. For business, I not only do not melodrama back the principal did not mention, have dissimilar current loans. Compelling, I find the age relationship - the bank honor director ditch dollar. When I muttered to the
credit manager give me the motif is simple: let my wife to twice the price, the loan to buy my house, the loan period is one year. and give him 5 million. So, I am the credit manager, knowing smile ......
This is my first time buying experience.
I buy a house later experiences are alike, that is: a firm does not dig a penny, all with a bank loan to buy a house; and then, if the fact is unknown to investors encounter (said to be 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, reserve the money with the bank debt of the banks.
And, I'm the pawn, and the relationship with the bank average person can not compare. Ordinary people to buy a house, most choose 20-year mortgage, but I all buy only loans for one year ahead maturity of the principal and interest. This operation, do not pay for months. The loan maturity, I fair act the In fact, I do not have to excavate a penny.
Second, I do not believe, in real life to have such a ridiculous thing. You speak about the
student's words: sibling! I penetrate you people before you say these words dig pit of the abdomen of
. How tin you not trust me? How can you deem me?
talk of: you give me an example almost the real point!
students: you know how the king, pock luck is it?
of the statement:
if students -
I'll talk about.
early days, the king, pock the abjection ah! Even he registered the company's enrolled chief, is my temporary 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, usually to hold an The internal bargain, in fact, the king mustered two pock-house staff and some like me, familiar in the real estate client (alternatively simply are collected from the job just, many, candidate of the to name these people to buy a house, always 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 substantial transaction price additional by 30%. Why? To buy a house down payment for 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 In this way, via the internal subscription before the opening, the second king of all the pockmarks in fact have been successfully recovered the investment, all the risk transferred to the bank. By this time, the king will begin advertising to sell the house two pock, and the return of
of speech: the back, how does it work?
students so -
how do you like Bena! A tiny smarter people can think of, followed by methods 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 increase their lending to their own house, keep the money with the bank debt of the banks. , have been recovered since the first mortgage payment, so the back of the operation does not require 30% increase each and every time, just according to the original rate of increase in property prices can be a fee increase (up 14% per year) .
what? If housing costs not enough to pay the loan interest rate how to do?
Laugh if you saw the Chinese property market while house prices rose loan interest rate is lower than a year?
comprehend it! This is the only Chinese property prices could not drop prices; and, the rate of boost in house prices underneath the current loan interest can not be the real reason! !
meditation to find it ridiculous, some savants have really said, In fact, the
the breakdown of Shanghai Lotus Garden River as an example. Published online, the floor price of fewer than 604 yuan / square meters, construction cost is not to 1,300 yuan / square meter (in fact, published online construction cost is not accurate. City Court lift the quality of the total of the apartment building than it Well construction cost does not surpass 1,000 yuan / square meter) house so low, why do developers must take it sold 14,000 yuan / square meter it? Sell low point, make less money that can not I? The respond is not enough. The reason is simple, Only perennial 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 works, This is the
There is a saying points to the facts of the present property mart in China, will continue to mushroom in it? And also Why? Is here!
Third, you said, only a very individual phenomenon, can not characterize the overall situation of China's property market.
students so -
old school, you are too unaware of it. See:
Li Shubiao case: September 8, 1999 to January 15, 2004, Chenzhou City, Hunan, sometime mentor of housing provident fund treatment megalopolis Li Shubiao fraudulent fund loans, bank loans to a aggregate of 44 pen , involving 120 million yuan.
Cummins Case: before and after 2000, Zhengzhou, Henan Kang Ming Ming Garden Properties Limited 414 East Suite by source, in the Industrial and Commercial Bank, Bank of Communications, China Construction Bank, China Merchants Bank to repeat a total of 690 mortgage loans sets,
XB 2011, at least 2 billion cash in bank funds.
Yao Kangda case: From 2002 to first half of 2003, Industrial and Commercial Bank of China branch in Shanghai Waigaoqiao Free Trade Zone to the the case of false mortgage
Hao Sen: From mid-1997 to the premier half of 2002, arrived in Beijing China to Sen Hao Real Estate Development Company rooms, so below the guise of Lee Garden, take off the access the mortgage to Bank of China Beijing Branch, Bank of Beijing Zhongguancun Sub-branch, Beijing Branch, Bank of Exhibition Road, a total of 1.62 billion 骗贷 3 banks. (See one hundred million yuan false mortgage. only Shanwei City, Guangdong Province Public Security Experts Affairs, Deputy Secretary of a human, 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 Lujiazui, Pudong Development Bank has been lending at the branch, found namely there namely billion of pledge loans secured private property is not real, lend agent, billion. Bank commissioned the housing agency had sold a pledge, to revive problem loans.
with the Thai case: In 2006, Thailand Beijing real estate enterprise in linkage with the use of 87 off the purchase signed along the employers contract 骗贷 67 million yuan from the bank.
Chengdu mythical real estate Piandai case: 2005 to 2008, the infer collusion Tangmou Chengdu Housing Authority staff to the way fiction for real estate property permit the 骗贷. has been found in the real estate authorize has been involved in extra than a hundred sets, involving an measure of 2 thousand million! but also the beyond development of the position.
In addition, reiterated orders of the China Banking Regulatory Commission this year, clear requirements, Why would so many such things happen? Why the country's banks mortgage knows to be false,
PULSERA BLANCA CON NETHERLANDS, we ought also lend to property developers? Are bank officials is a fool you?
fact , the bank's officials are not silly.
cause is that bank's inner staff is going hand in glove with developers associates. comprised in the action of some of the bank's internal staff is the wish that purchasers will not pay interest above loans for the bank to make money, and frankly, they are involved in dividing the spoils - they steal the ill-gotten gains together with the developer, the risk onto the National Bank, and pay the real buyers. Once the real alternatives who can not buy this colossal house alone, the bank crisis.
this time, the pay is the National People's, the State must recapitalize banks, eliminate bad debt. state money comesintoseffect? print money! Results What is it? inflation, soaring prices, hundreds of old money is profitless,
PULSERA TRANSPARENTE CON LOGO XB, or that the people's money was pillaged, robbed whom? by the National snatched plugging, and plugging developers and banks to increase out of these borers aperture. The aperture is so big, blocking is an hideous scar, and anguish will always be people.
So I would say - the real estate industry has chance a relevant elements, the relevant divisions to ally divided State money (in fact, the people of the deposits) of the props.
violation what the big deal? bank officials are not scared ah! the surface of the paper by the time the procedure is complete, and I do not have a responsibility. Even if the mortgage is false, What does it stuff? Besides the background state banks, is also not afraid of losing some, anyhow, Bank officials are immediately made money on the line. The bank after to die naturally, we must administer the citizen Moreover, it is what the afterward bank officials . No marvel the Bank of China's bad debt rate of 40% or more actually! the aboriginal, in China, the biggest corruption in the bank!!
4, I still think that this is only a very few phenomenon. If you speak a prevalent phenomenon, why do not developers have been repossession?
students, then -
for numerous reasons simply have:
1, you do not attention about the real estate industry news. such as how to do the work? very simple - just a close of debt,
developers will and the pieces much faster than the actual affordability of ordinary people (which manner the house will never sell). However, such operations, if I were you from the official point of view kind of process, only the formalities of outlook from the surface of the paper, then it is always lawful. This is the bank officials the courage to cover for the reason developers - because the current banking system, by the time the surface of the paper formalities complete, the bank's officials, there is no obligation.
Five, you average is that the current system of bank loans has serious flaws?
students, then -
course!
I can not cost money to buy so many houses and sidewalk,
PULSERA CAMUFLAJE CON LOGO XB, 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, really good system to serve the people, Method for assessing the value of defective.
, for instance, apparently developers get accustomed only 50 million, but he can use this to 1 million mortgage loans; for instance, developers creating repairs to the dome mend , clearly only the 70 million (including the money), but he can use this floor, 2 million mortgage.
If,
Balance Xtreme, in agreement with the rules we pledge to do, things ambition happen then?
When the developer of mortgage loans with a chip of land, I will personally to verify: developers get the land, it really gave the administration 50 million. And, if this is the case, he most to 40 million loans. because I want to risk funds accrued ah!
when the developers of mortgage loans with this mansion, I would individually check: developers nail this building, it really took 20 million (counting only the construction spend, excluding land). I will follow a crowd of fatigue, a variety of building matters to list for the lowest floor of the construction costs. and, if the developer did repair the floor, spent 20 million, he most only loans 70 million × 0.8 = 5600 million (even together for a mortgage).
Finally, when family buyers mortgage loans,
Xtreme Balance, I am indeed not in accordance with the Most family buyers can get loans are: 70 million × 0.8 × housing area / total district of this building.
example: there is a businessman selling clothes because the business turnover, the absence for clothes for the parallel to bank loans. you talk about, the bank is the statement: Of course the ex-works operator. If reckoned along to the retail price, then do not sell clothes mart business wholly, he sold the bank to make money instantly to the clothes faster!
Well, I understand, No wonder China will seem in the ! collateral value of housing, and not by customer transactions to make sure ah!!
2, usages of accountability retarded
there is not official responsibility. to find you then!!!
In counting, 1.62 billion detriment to the State Mori ho artificial case after exposure to the mortgage, is not actually related to the bank officials were held accountable, how can? Hey! If this asset happened in my pawn, do not say let him ruin and decease, at least I will ruin him and his relatives!!!
of speech: Yes, ah! the monetary case, the actually not prop the relevant bank officials duty. it were me, I think people who know how to straighten the property market - at all times rigid monetary system so that people can not get speculative real possession funds, property market spume will certainly dispel!!
If students -
you finally wise for a while. compassion!!!
Buy immediately disburse merely a cheat no apt cos
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