Reprinted 】 【 transmit money immediately apt pu

】 【transfer money now to buy a house and fools - taught you how to cost money to buy a house without a blue water lily
money now to buy a house ---- taught you fools do not spend money to buy a house


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last night, and a pawn to open the students to drink.
I asked students, Mo forget approximately my center, very guess!
Students, then I simply deafening, so I was stunned. I now consulted widely. Thus, students to acquaint me something amazing, and Frightening words ...... the retinue, 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?
students so -
you know, my pawn business fully on the money begets money. First buy a house, although I have the competence to one-time full payment, but I do not want the house so many cash was crushed to death. At that time, is popular
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 different current loans. Compelling, I find the age relationship - the bank credit manager ditch USD. When I whispered to the
credit manager give me the mind is simple: let my wife to twice the price, the loan to buy my house, the loan phase is one year. and give him 5 million. So, I am the honor manager, knowing smile ......
This is my first time buying experience.
I buy a house later experiences are similar, that is: a fixed does not dig a penny, all with a bank loan to buy a house; and then, if the truth is nameless to investors meet (said to be investors,GHD Hair Straightener NZ, 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, keep the money with the bank debt of the banks.
And, I'm the pledge, and the relationship with the bank average person can not compare. Ordinary people to buy a house, maximum choose 20-year mortgage, but I all buy only loans because 1 year before maturity of the principal and interest. This action, do not pay for months. The loan maturity, I just act the In fact, I do not have to excavate a penny.

Second, I do not believe, in real life to have such a preposterous thing. You talk about the
student's words: sibling! I penetrate you people before you say these words dig pit of the tolerate of
. How can you not believe me? How can you believe me?
speak of: you give me an example about the real point!
students: you understand how the king, pock fortune is it?
of the statement:
if students -
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 see 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, commonly to prop an The internal bargain, in fact, the king summoned two pock-house staff and some like me, versed in the real estate client (or simply are collected from the job just, numerous, nominee of the to appoint these people to buy a house, all with bank loans to buy. This is the so-called
and namely the transaction reported apt the bank's trading price, have the inner than the substantial transaction price additional at 30%. Why? To buy a house down disbursement for the loan into two ah! For instance, if you want apt revive 100 million, then you have to price of 130 million bank loan. Thus, banks give you the money is: 1.3 million × 0.8 = 104 million; you really pocket the money is: 1040000 -4 million (apt the relevant bank staff the In this direction, through the internal subscription before the beginning, the second throne of always the pockmarks in fact have been successfully recovered the investment, all the risk transferred to the bank. By this period, the king will begin advertising to sell the house 2 pock, and the return of
of speech: the back, how does it work?
students so -
how do you favor Bena! A little smarter people can think of, emulated 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 persisted to increase their lending to their own house, reserve the money with the bank debt of the banks. , have been recovered since the 1st mortgage payment, so the back of the operation does not necessitate 30% increase each and each time, just according to the native rate of increase in property prices can be a fare increase (up 14% per year) .
what? If housing prices insufficient to pay the loan interest rate how to do?
Laugh if you saw the Chinese property mall when house prices rose loan interest rate is lower than a year?
understand it! This is the only Chinese property prices could not drip prices; and, the rate of increase in house prices below the current loan interest can not be the real reason! !
think to find it ridiculous, some scholars have actually said, In fact, the
the collapse 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, issued online construction cost is not exact. 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 answer 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 have to not sell 14,000 yuan / square meter. As the saying goes, This is the
are saying points to the facts of the current property market in China, will continue to heave in it? And also Why? Is here!


Third, you said, only a very individual phenomenon, can not represent the overall situation of China's property market.
students so -
old school, you are too ignorant of it. See:
Li Shubiao case: September 8, 1999 to January 15, 2004, Chenzhou City, Hunan, former adviser of housing provident fund management megalopolis Li Shubiao fraudulent fund loans, bank loans totaling 44 pen , involving 120 million yuan.
Cummins Case: before and later 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 absolute of 690 mortgage loans sets, at fewest 2 billion money 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 first half of 2002, arrived in Beijing China to Sen Hao Real Estate Development Company dormitories, so below the guise of Lee Garden, take off the way 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 three banks. (See billion in 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 Lujiazui, Pudong Development Bank has been lending at the branch, found that there is billion of mortgage loans secured private property is not real, loan proxy, billion. Bank commissioned the housing agent had sold a mortgage, to recover problem loans.
with the Thai case: In 2006, Thailand Beijing real estate corporation in connection with the use of 87 off the purchase signed by the owners compact 骗贷 67 million yuan from the bank.
Chengdu fictitious real estate Piandai case: 2005 to 2008, the suspect collusion Tangmou Chengdu Housing Authority staff to the way fiction for real estate property allow the 骗贷. has been found in the real estate authorization has been contained in more than a hundred sets, involving an amount of two thousand million,GHD! but also the beyond evolution of the position.
In increase, repeated orders of the China Banking Regulatory Commission this year, clear requirements, Why would so many such things occur? Why the country's banks mortgage knows to be disloyal, we should too lend to attribute developers? Are bank officials is a cheat you?
fact , the bank's officials are not stupid.
reason is that bank's internal staff is working hand in mitt with developers associates. involved in the operation of some of the bank's internal staff is the hope that buyers will not pay interest on 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 options who can not buy this huge house alone, the bank emergency.
this time, the pay is the National People's, the State must recapitalize banks, exclude bad debt. state money comesintoseffect? publish money! Results What is it? inflation, soaring prices, hundreds of old money is profitless, 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 hole. The cavity is so big, blocking is an hideous scar, and grief will always be people.
So I would say - the real estate manufacture has transform a relevant elements, the relevant departments to mingle divided State money (in fact,GHD IV Mini Straighteners, the people of the deposits) of the props.
violation what the huge handle? bank officials are not terrified ah! the surface of the periodical at the peak of the program is complete, and I do not have a duty. Even if the mortgage is false, What does it stuff? Besides the backdrop state banks, is also not fearful of losing some, anyway, Bank officials are immediately made money above the line. The bank after to die indeed, we have to manage the citizen Moreover, it is what the afterward bank officials . No wonder the Bank of China's wrong debt rate of 40% alternatively more actually! the original, in China,GHD MK4 Pure Straighteners, the biggest corruption in the bank!!

4, I still calculate that this is only a quite few phenomenon. If you talk a general phenomenon, why do not developers have been repossession?
students, then -
for many causes simply have:
1, you do not concern about the real estate industry news. such as how to do the work? very uncomplicated - just a close of debt,
developers will and the pieces much faster than the actual affordability of mediocre people (which manner the house will not sell). However, such operations, if only from the official point of view kind of process, only the formalities of view from the surface of the paper, then it is always lawful. This is the bank officials the spunk to cover for the reason developers - because the current banking system, at a time the surface of the paper formalities complete, the bank's officials, there is no liability.

Five, you mean is that the present system of bank loans has solemn flaws?
students, then -
course!
I can not spend money to buy so many houses and sidewalk, and even set out from the bank by the house so many working chief to do business, all of this, all thanks to loopholes in the system of banks ah! bank loan system, really agreeable system to serve the people, Method for assessing the merit of defective.
, case in point, clearly developers get used only 50 million, but he can use this to 1 million mortgage loans; for instance, developers building repairs to the dome mend , clearly only the 70 million (including the money), but he can use this layer, 2 million mortgage.
If, in accordance with the rules we pawn to do, things will 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 building, I would personally check: developers nail this building, it truly took 20 million (counting only the construction cost, excluding land). I will follow a cloud of fatigue, a variety of building substances 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, while home customers mortgage loans, I am indeed not in accordance with the Most home consumers can get loans are: 70 million × 0.8 × housing area / total district of ​​this architecture.
example: there is a jobber selling raiment because the affair turnover, the need for clothes for the parallel to bank loans. you talk about, the bank is the statement: Of course the ex-works operator. If enumerated according to the retail price, then do not sell clothes mart commerce totally, he sold the bank to make money directly to the clothes faster!
Well,GHD Purple Straighteners, I understand, No wonder China will appear in the ! collateral value of housing, and not by customer transactions to determine ah!!
2, usages of accountability retarded
there is not official responsibility. to detect you then!!!
In addition, 1.62 billion loss to the State Mori ho false circumstance after exposure to the mortgage, is not actually related to the bank officials were held amenable, how can? Hey! If this asset happened in my pawn,GHD Red Straighteners, do not mention let him mar and decease, at least I will ruin him and his relatives!!!
of speech: Yes, ah! the monetary case, the actually not hold the relevant bank officials responsibility. it were me, I think people who know how to straighten the property market - at all times strict financial system so that people can not get speculative real estate funds, property market bubble will naturally disperse!!
If students -
you finally wise for a meantime. compassion!!!



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