Buy now pay only a fool - taught you do not spend money to buy a house
last night, and a pawn to open the students to drink.
I asked students,
Mo forget almost my center, very suspect!
students, then I am really noisy, so I was stunned. I quickly consulted widely. Thus, students to tell me someone amazing, and Frightening words ...... the emulating, all my classmates, even whereas some words out, but the elementary semantic clear I was relaying the.
one, buy a house without money, how do you manipulate? If students
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you understand, my pawn business entirely aboard the money begets money. First buy a house, although I have the ability to one-time full payment, but I do not ambition the house so much cash was crushed to death. At that time, is fashionable
for one year, also paying back the principal and interest to the. Fortunately, I do not know it? Or my bad fortune! At that time, my money is a business occupies. For business, I not only do not activity back the principal did not say, have another current loans. Compelling, I find the old relationship - the bank credit manager ditch dollar. When I muttered to the
honor director give me the mind is simple: let my wife to twice the price, the loan to buy my house,
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who was,
Mens Air Max 2009 Black/Green Nike Shoes Piano Keyboard, I at least give him 50,000 points. So, I am the credit manager, knowing laugh ......
This is my first time buying experience.
I buy a house later experiences are similar, that is: a firm does not dig a penny, all with a bank loan to buy a house; and then, if you meet the fact of unknown investors (that is the investors in fact Shamao) to buy a house, then sell him. If you have not investors buy a house, then proceeded 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 mean person can not compare. Ordinary people to buy a house, most select 20-year mortgage, but I always buy only loans for one year before manhood of the principal and interest. This operation, do not pay for months. The loan maturity, I just doing the In fact, I do not have to dig a penny.
Second, I do not believe, in real life to have such a ridiculous thing. You talk about the
student's words: brother! I watch you people before you say these words excavate pit of the abdomen. How can you not believe me? How can you trust me?
speak of: you give me an example about the real point!
students: you know how the king, pock luck is it?
of the statement:
students so -
I'll talk about.
early days, the king, pock the abjection ah! Even he enrolled the company's registered capital, is my transient 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 prologue, usually to hold an The internal marketing, in fact, the potentate mustered 2 pock-house staff and some like me, versed in the real estate customer (or simply are collected from the job just, many, candidate of the to name these people to buy a house, all 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 actual transaction price additional by 30%. Why? To buy a house down payment because the loan into two ah,
Mens Lebron James VII(7th) Basketball White/Deep Blue/Gold Nike History of the m! 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
this access, through the internal subscription before the opening, the second king of all the pockmarks in fact have been successfully regained the investment, all the risk transferred to the bank. By this time, the king will start advertising to sell the house two pock, and the return of
of speech: the behind, how does it work?
students would -
how do you like Bena! A little 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 worker does not need to back increases 30% each time, just along to the elemental rate of increase in property prices can be a fare increase (up 14% per year).
what? Rise in property prices in case of absence of payment of interest on loans how to do? Joke, when you see the property market to China that year rise in property prices lower than the loan interest?
understand it! This is the only Chinese property prices could not drip prices; and, the rate of increase in house prices underneath the current loan interest can not be the real reason! !
think to detect it ridiculous, some savants have actually said,
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the breakdown of Shanghai Lotus Garden River as an example. Published online, the floor price of less than 604 yuan / square meters, construction cost is not to 1,300 yuan / square meter (in fact, published online construction cost is not exact. City Court elevator the quality of the total of the apartment building than it Well construction cost does not surpass 1,000 yuan / square measure) house so inexpensive, why do developers have to take it sold 14,000 yuan / square meter it? Sell low point, make fewer money that can not I? The question 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
are saying points to the facts of the current property market in China, br> old school, you think, and now the property market, housing prices had clearly distant more than the actual purchasing power of ordinary people (which means the house will never sell), why do housing prices will continue to rise ? 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 would -
antique educate, you are also ignorant of it. See:
Li Shubiao case: September 8, 1999 to January 15, 2004, Chenzhou City, Hunan, former mentor of housing provident fund treatment heart Li Shubiao fraudulent fund loans, bank loans to a total of 44 pens, involving 120 million greenbacks.
Cummins Case: ahead 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 reiterate a total of more than 690 sets of mortgage loans, at least sets take 2 billion of bank funds.
Yao Kangda case: From 2002 to first half of 2003, Shanghai Waigaoqiao Free Trade Zone Industrial and Commercial Bank of China branch to the
case of false mortgage Sen Howe: from mid-1997 to the first half of 2002, arrived in Beijing China to Sen Hao Real Estate Development Company apartments, so beneath the guise of Lee Garden, take off the way the mortgage to the Bank Beijing Branch, Bank of Beijing Zhongguancun Branch, Bank of Beijing Exhibition Road Branch three banks totaled 1.62 billion 骗贷. (See unit of false mortgage. Shanwei City, Guangdong Province unattended Experts Bureau of Public Security Deputy Secretary of a person, 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 Pudong Development Banks have been loaning in Lujiazui branch, found that there is billion of mortgage loans secured private property is not real, loan agent, so. Bank had commissioned a housing agent sold a mortgage, to recover problem loans.
with the Thai case: In 2006, Thailand Beijing real estate enterprise in articulation with the use of ######## owners 签购房合同 87, from Bank 骗贷 67 million yuan.
Chengdu mythical real estate Piandai case: 2005 to 2008, the surmise collusion Tangmou Chengdu Housing Authority staff for a fictitious real estate the way real estate copyright to 骗贷. has been comprised in real estate copyright has been base in more than a hundred sets, involving an amount of two thousand million! but the situation still further evolution.
addition, this year the accurate requirements of the CBRC continual orders, forcible in meeting the credit needs of the real economy to discourage the inflow of credit funds, the property market. such things? Why is it that banks are knows to be false, we should also lend to mortgage real estate? Are bank officials is a cheat you?
In fact, the bank's officials point not stupid.
reason is that bank's internal staff is working hand in mitt with the developer's associates. involved in the operation of some of the bank's internal staff is to not pay the loan interest by home buyers for the bank to make money, frankly that they are involved in dividing the spoils - they pilfer the ill-gotten acquisitions together with the developer, the risk onto the National Bank, and pay the real buyers. Once the real buyers can not buy this mammoth single- , bank crisis.
this time, the disburse is the National People's, the State have to recapitalize banks, exclude wrong debt. state money get down to? print money! results? inflation, soaring amounts, hundreds of old money is profitless, alternatively that the money was pillaged of the people, whom pillaged? by the National snatched plugging, and plugging developers and banks to addition the pierce out of the chasm. The cavity is so huge, stop live is one ugly scar, and ache ambition always be people.
So I would say - the real estate industry has transform a relevant units, the relevant departments to mingle divided countries, the money (in fact, the people of deposits) props.
violation what the big handle? bank officials are not fearful ah! the surface of the paper as long as the procedure is complete, and I do not have a responsibility. Even if the mortgage loan is false, what is the relationship? Moreover, banks there are countries in this background that loss will not be fearful, anyway, Bank officials are now made money on the line. The bank after to dead naturally, we have to manage the citizen Moreover, bank officials that is the afterward thing. No wonder the bad debt rate of the Bank of China actually over 40%,
Mens Air Max 2009 Black/White/Gold Logo Nike Shoes! corners out that in China, the biggest of the corruption in the bank!!
four, I still think that Zhezhi Shi 极 individual phenomena. If you speak is a general phenomenon, Weishi Me Developers do not be repossession?
students would -
for many reasons, there are simple:
1, you do not care about the real estate industry newspaper. such as reason, the case did not disclose.
cover how to do the work? very uncomplicated - equitable a almost debt, developers will be and the (mortgage) the other's heave, and soon much extra than the substantial affordability of ordinary people (which manner the house will not sell). However, such operations, if I were you from the lawful point of outlook variety of process, program only from the surface of the periodical to look by it, it is always lawful. This is the bank officials the bravery to cover because the reason developers - because the new banking system, at a time the surface of the paper formalities complete, the bank's officials, there is no responsibility.
five, you mean is that the current system of bank loans has serious flaws?
students, then -
course!
I can not cost money to buy so numerous houses and pavement, and even set out from the bank by the house so much going capital to do affair, all of this, all thanks to loopholes in the system of banks ah! bank loan system, is really The appraisal means of defects.
, for example, apparently developers get accustomed only 50 million, yet he tin use this to 1 million mortgage loans; case in point, developers building mend repairs to the roof, apparently secondhand only 70 million (including the money),
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If, in accordance with the rules we pawn to do, entities will occur then?
When the developer of mortgage loans with a piece of land, I will individually to verify: developers get the land, it really gave the administration 50 million. And, whether this is the case, he can only loans to 40 million . because I want to hazard funds accrued ah!
when the developers mortgage loans with this building, I would personally check: developers fix this building, it really took 20 million (construction costs have only a , excluding land). I will follow all kinds of fatigue, a kind of building materials to account for the lowest floor of the construction prices. and, if the developer did repair the floor, spent 20 million, he can only loans to 70 million × 0.8 = 5600 million (even together for a mortgage).
Finally, while family customers mortgage loans, I am absolutely not in agreement with the The loan amount is: 70 million × 0.8 × housing area / total area of this mansion.
example: there is a trader selling dress for the business turnover,
Mens Air Max 2010 Black/Silver Nike Shoes, the absence to wear for collateral to bank loans. you talk, the bank is the . If the retail price enumerated in accordance with the words, do not sell clothes mart business totally, he sold the bank to make money instantly to the raiment faster! Well, I understand, no wonder there will be in China, to live; real estate is sold to the banks, not sold to ordinary people !!
2, methods of accountability imperfect
I do not care whether you complete the paper formalities, by the time you are responsible for the business is a problem, hey! I find you then!!!
In counting, 1.62 billion detriment to the State House of artificial Mori after exposure to the mortgage case, the relevant bank officials actually not be held amenable, how can? Hey! If such asset happened in my pawn shops,
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of speech: Yes, ah! the monetary case, the really not hold the duty of the relevant bank officials. it were me, I consider China's financial circumstance behind variant. hear to Jun's words, better than reading ten paperbacks! hear you mentioning this, even my silly people who know how to straighten the property market - by the time rigid fiscal system so that people can not real estate access to speculative capital, the property market spume will certainly radiate!!
students would -
you finally sage for a while. compassion!!!
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