Please do no purchase a house and automobile of a

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- Hong Kong's notable economist - Lang
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Chinese are the four big when -
largest when: real estate -
buy a house mean? Means that you have a house of their own. Yes, you think so, but in China and you can not have this house, you just rent it. Because the house is yours, not your land, but land use rights for 70 years (70 years from now it is back Sino-Japanese War, who have seen the house that time?). House, usually 30 years hardly ever the demolition or upkeep will be met. That you spend the money to buy a house, but can only be renting the tangible results. Of course this is not the worst. The worst is when you find that after decades of fools! A group of hooligans broke into your house with their life savings to buy the drawing on a big split-! Then all of your belongings, like when the garbage is still out of gates, regardless of your alleging, and even still you reception on a news list of the notorious fix, any abuse of the public when you will know what despair! -
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narrated the Chinese real estate has a well-known joke is written like this: -
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ago, there was a lot to the landlord, to find a lot of permanent work,GHD MK4 Gold Straighteners, and the landlord to cover a number of long-term workers who lived in architecture consensus, one day, the landlord's advisors on the landlord, said: club, long-term workers were on hand in recent years a little money, and they live in your house, the monthly pay Zuzi, worth, anyway, they will never afford to live, do not you just sell them the house from a tricks is called - public houses for sale! Tell them the house they never go, you can save them money back in recent years, the landlord said: Yes, how do I rent? Advisor, said: according to income is not wrong, from a Japanese appoint of children, called the management fee! Landlord quickly implemented, and made a lot of money, long-term employment are the happy ah! -
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a few years,GHD Blue Butterfly 2011, the owner of the village into town, and the wealthy more and more, no place to live, advisor to the owner, said: union, long-term workmen were on hand and money in recent years, we give them construct a new house, phoned from a transformation of the old cheats, they knob the money to us, we pulled down to build a new house, and differentiate them to buy back, you can sell more than cover some of the others, the landlord has carried out, this time, Some long-term workers are not elated, the landlord of the retainers come in use, the permanent teeth have had to beat down the pharynx to the stomach, the landlord has made a lot of money. -
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A few years after, the landlord of the village adult into a huge city, and the rich more, the landlord of the land more valuable, advisor to the landlord, said: club, we put these permanent houses destroyed in this place to build villas, split out to cover the house sold to the wealthy who can earn a amount of money, the landlord said: how to do long-term workers who leave? Advisor, said: we give them a little more money, from a financial settlement called tricks, and then we built our barn next to the house, from a tricks called affordable housing, they built a wagon road to allow them to buy over there living chamber, the landlord said: how do they have enough money? Advisor, said: the banks lend from our family ahead them, 6 points a year profit, but also naught if the money begets money the Cubs, not whichever hazard, the landlord has carried out, they get the money long-term foundation, the landlord of affordable housing until now built one, they had to wait in line for permanent house, until immediately, waiting for it ... ... -
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Thus,GHD IV Mini Straighteners, long-term employment began to make difficulty, and the landlord a little nervous, hurriedly asked counselors how to do? Advisor, said: They have to notify the permanent house to be dropped in price, do not buy, rent to live it, just rented it to them our pen, the result, after so many years, long-term employment have all the money gone, are still renters, always! -
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joke whereas a bit amplified, but in truth it not also true? Some people say that creature the circumstance? Why do Chinese people must buy a house? Mad to buy? Why? The result of pedagogy is not obscurantism, as if 60 years, advocating that people must buy the Big Three: watches, sewing machines, bikes really successful people can marry a wife. 70 years advocating that people must buy 4 new pieces: television, refrigerators, washing machines, telephone equipment can be thought to succeed as a wife have children, memorize the thousands of dollars to setup a phone, but ah (per capita income of less than 200 town ), meantime tens of thousands of Beijing, Shanghai and more a time, had to take a human number line up to buy, and buy a house today, how it is alike? -
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and today all the shit in this set of scholars began to fool the people of the old trick: the new standard white-collar, successful people select a new small size X ring X Road, X ring X Road, residential and advertisement type. After you receive hundreds of thousands, must charge you a monthly rent (the new property fee), bank interest, and manifold sorts of pardons to raise interest rates, policies, and so on and so along. In short you do not be afraid to death, not afraid to die you miserable! Gnaw on how happy the people fooled, but one hundred tire on it? I am really angry and get it all watery! -
second when: Employment -
When someone finally began to sigh: the year when the educated youth, when people are laid off after no way out, no one can sit-in protest ignored, can only be diluted on the avenues also were compiled brave song laugh at life, start over the time. Have you ever thought of! They also have the same landscape and white-collar today! Their income and status have also let the people approximately envy? Have you ever thought 20 years later! Like you would like them descend on the avenues, deserted? ! -
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Some people mention hey! You do no understand the unemployment warranty, subsidy assurance, XX assured it? Oh, I float in Beijing N years, numerous insurers to pay tens of thousands approximately it, yet while Pao Duantui unemployment and not 1 gave me Sha insurance, but many insurance policies that I have been frozen because paying off, and I just and pique ... ... More than namely, you think apt the age of 60 you tin get really old-age insurance anyhow? Out of the sky without money! Today's pensions are older we obtain the earned! Today 30-40 year-olds ordinarily have several brothers and sisters! Means that today's elderly to get a stipend old of 60 is for there are 5 human as an old man! And behind our generation growing antique is a human for the two of us old people! Money comesintoseffect? Did no come! If you are proficient to live to 90 years is estimated to receive some of the old-age insurance, hey You catch on it. But even so, parents are still crazy and put their children to a kind of corporations in the delivery of state-owned units, to me it always has such instances. A distant respective of my home, find the relationship among tow friends to spend seventy thousand dollars to his son through an open recruitment crew sent to the vehicle police, dry aboard the contract the police. A month to get 800. The third outcome was tournament to the brush down. A people crying, I said, a agreeable brush, you earn a lifetime ban on that does no behind that 70,000 first bathe sleep immediately, and then scrape together some money to alteration out a small business work! Probably tin earn. -
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when I graduated, I led my profanity is holding the money, the division sent me to XX. I saw that the man responsible for recruitment virtue, could not aid the nausea, Made in salary, profanity Yeah, I is not eat or drink until the white dry-back 10-year cost. So I had that lad a privately intimidated, horrified that potbellied X no longer fearful to admit I am main. I just have to have: away from home. -
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I ambitioned to do not understand? Chinese people ye so ignorant? Such a superstitious country word it? Wake up, meditative the line is not the normal one o'clock? Prior to his go does not pay to not count cost-effective? -
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there are those little white-collar workers are young, it is best to find a job to pay the high point, not to health insurance and Han, insurance, and then save up your money most insurance will need it. -
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third when: Education -
a diploma worth? A diploma worth? A diploma worth? Top of the publishing costs two dollars a day. A teachers salary? Hey, two students a semester of tuition enough! A class writing printing how much money? Two students enough! How much rent a class a semester? Hey two students enough. ! Hey! China Education Why the hell you receive so much money! ? -
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Hey! The people are! Why ought we be cheated? Because the small verdict level told us was agreed savant prestige. Oh sorry I am erroneous, is it honorable to go to seminary. Why do people think about but never go to honor? Why is glorious ... ... University savant and how not waste! -
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you know who your child is instructing it? In China are generally incapable to adapt to society, people would become a teacher, case in point. Some time ago I as a project, find a few college students doing master's program. The results are very few people stupid, do not give you full attention, you have to cede it to work, but also to the documents obviously a typo, not to change, so you find even told you seriously, is it not his fault , you give is wrong. One o'clock sense of liability, one would not consider if it is to do things and do things or to do one thing and doing things. I was very calm to cause with them: you must learn to think for others, the results of re-thinking people want to do things. Otherwise it can not survive in the community. Results of those few, said: we do not go to the community, we test scores good enough, we are lingering in school to a instructor. We had nothing to say the wrong, how do you plan how we do, do not you arranged for us not to do. This is our dignity and principles. I said: If you go to the gatekeepers, the boss did not prepare for you to work when you do not bolt cache lock it? You chilling you? After your child is under the guidance of such a person study and grow. You ease it? -
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cohabitation is no wonder that university, truancy, fighting, suicide ... but the parents are still willing to spend money to mail their children to educate, but a lifetime to spend the money. -
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fourth-largest when: a car -
Chinese people crazy? Buy a car? Why buy a car? ? ? Of course, you not only have money to spend, and how you love to buy how to buy a car buy a house, anyway, how up you are enough of oil money, the house demolition you should not feel bad. But most people do? -
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I used to have a colleague
live North Second Ring Road, the corporation Xizhimen there. Most probably take the metro to work each hour. May have to buy a second-hand Charade, 8:00 every a.m. to start on the road Duzhe, then moved a little bit of company. Hey, a month parking lot. But she felt the car its own identity to open high-level point. Not to advert open a Charade, is to open a Audi I have not seen who knock 9 of whom 3 worship. In addition to appear a little stupid than others appearance their own no other feature. -
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Another time, I met the little girl was 4,000 a month income, car loans in the program. So I queried her: little girl, I've got to do business, their work in time, Metro and handy to buy a car do? Like a long time, it is estimated could not think of causative to say: Sometimes things go to the supermarket to buy it, they feel a taxi close the point is not worth the walk but far from the point. So pedal yourself go! I nearly did not hear disgusting. You drive to the supermarket to buy instant noodles do not feel sick it? Equipped with cellular phones to Jianla Ji, also Jianla Ji's! Do not think that buying a car can testify everything. -
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example, I now own business, engaged day, walked about 4-5 places, see many buyers. But I do not buy a car, why? I hit that car with the move to, kick left, no place to worry about parking, do not anxiety about hanging a touch, and without terror of being a bandit stole a knot, whether rain has hung the wind driver. Bumped a traffic jam if you can get off the subway. Year also more than ten thousand pieces RMB! Buy a car! Parking fees had more than ten thousand a year! This is not silly it? -
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Do not buy a car do not buy a automobile
said, there are countless people who can be mad to go borrow money to buy? Must not be also pathetic to die like their hereafter! Buy it, buy a not ended raising interest rates? Oil prices are not crazy? Parking and is not expensive? Regret not it? A road car to sell on value plunges also sell the right? ? -
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tell you that oil prices must rise. Must be the same as oil prices rose and dollars. Hey! You take the old U.S. 1 / 10 of income, and others a raise petroleum prices. I see that you do not must se. -
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ultimate say, everyone is not fatuous, there was only a stupefying education Jinong Han. Silly point does not matter, but the thing off your life you still firm with the point, many diagramed the relationship between the economic interests of intend! Other end of the day, real estate have fallen, oil price rise, the money to pay the rest of my life took a diploma, or what what is not dry, for several decades to pay exorbitant taxes and levies also what what benefits do not. You can not just scatter loss of hundreds of thousands. -
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what was said? Oh no direction, can not live without a car you, good bus thronged Yeah. I say all is pretension literate fools doing curious. You look at me, just rent a house to live more than a thousand pieces a month, it is equivalent to some property costs. If you want to get married I have 3-4 thousand of affordable rent, furniture, decoration one should be full. Which also convenient where I live. Do not want to move on long-term rent. Also a variety and pay property charges. Province of the banks also vain loans, amuse, down a lot. Something kick the car, right on the subway, a year ten thousand days, and also saved a garage fares, parking fares, fines heap, oil prices rose 10 Lehe also not tarry asset. I ran the campus did not finish, while the market a self-study while planning to escape their own business, do not they also can enter the foreign-listed companies as a director it? Also save the tens of thousands of tuition to. -
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course, some people will say: You do not even have a house to buy, clarify get married. I thought to myself: I do not, you think you have ah?

in the next 2-10 years you can try to doubt this figure, but it is leap to occur, not alarmist. But it does happen. Because in China, a developing country, its bound to reserve to inflation and reforming means for economic development. And each time the pains of reform brought to bear by the people. Whether it is mountainous and rural areas of the educated youth were confused, or when the reform and beginning up a large number of state-owned enterprises have been closed down when a large number of laid-off workers. If they have a decisive forward-looking, then I think they might leave a little for their own posterior. However, deserving to over-confident and over-confident life will not document mutations, thus causing the catastrophe of their lives. -
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Some say the government will not sit idly by white bankruptcy, the Government has of course not. Some things ... how can I say. I think back to the laid-off workers right. Caused so much social turmoil. Can do? Today's white-collar workers when the bankruptcy tomorrow as it has. -
and 20 years of reform and opening up, China's rapid economic development take off. But the old system does not entirely change. A variety of important industry is still in force is a government monopoly system in action. Such as: banking, finance, metallurgy, vigor, message, transportation, health attention, education, and land. China's reform and opening up of these things can not be all aspects of reform and opening up. But today, monopoly brought ever more pronounced. -
bear the brunt of real possession. As China's valid system is not faultless, especially the field of finance and reform, the emergence of a variety of faults made at real estate has been rising. With the amplify in real estate and the original population to focus on great cities. So the new urban personnel is the so-called But this portion of the earnings is effectively used to pay rent, alternatively loan. -
To better understand why 99 percent of white-collar families will go bankrupt, we must first understand why the prices so high? High, where? Funds work? (This refers to white-collar ready to buy a house buy a house or family.) And the development trend of narrated effects. This article will explain to you in three stages. -
1: reason costs soared, the first factor: Bank loans under open competition. -
In fact, housing prices soared
main elements for the Government because of the people in the mistakes pay. Such as before a developer through a bank loan of 10 million to develop a house. If he does not activity that bad luck, because all the banks are a system, you owe the money did not also no opportunity to turn around. But China's banking reform on the basis of a hole open to competition between the banks so the ICBC, Agricultural Bank, Construction Bank, and so on all manipulate independently. This is a good thing. But the problem is that these banks are not personal, but the country. We can assume. When a developer from the bank loans to 10 million results. He only need 5 million to develop a house, then the price increase, then the development of the price of the house according to his standard mortgage loans to 20 million from the ABC again, and then use that 20 million of 10 million development of a sets a higher price of the house came to 40 million Construction Bank mortgage. Is such a crazy snowball lending prototype. -
get out of the house you serve is not essential, the key is the price higher, not lower prices. Anyway, the bank's money is not private, so a mini bit to remove the premier together with variant -
then this result is that house prices do not just mount down! Because they can not fall! A bank loan out money or never come back. This is the government's banker, the government's money! Therefore, in order to stop the funding black hole is to buy some of the specialists, the medium began to create public opinion using a variety of media mania manner of coercion of people to buy a house. -
such as land resources are severely strained, do not buy a house in the future can only live in the suburbs Yeah like. Cause people had to buy a house. In fact, can not live in this city that was impossible, a new urban residents is the process of replacing old, live in the city to work, like to live in the suburbs of retirement. As long as the population explosion will not arise on white-collar workers do not live city center can not be the case. Although these media caused a lot of people buy a house, but only so high prices have not by far off the brand now. Then the government made the second mistake. -
2: prices soared, leading to the second error: a mortgage with Chinese specifics. -
pledge would be a very renowned system in the West, is also very appropriate. However, this system applied to China once a little problem. Because for large institutional. All banks are state, not private. The lending this juncture it is impossible to control is nourished. As long as the document makes sense, people will be able to honor to the article. -
to the first peccadillo as soon as possible to ease the financial black hole caused. Government began to appliance the system to individual mortgage houses. What also constantly give to his wife and the Chinese American woman's example to bait people to the mortgage. Indeed it was the mortgage, and it is crazy mortgages. And banks by the time a little They first mortgage a 80 million homes, own a 100,000 down payout and then from the bank loan 700,000. Then after the house bargain to raise prices to 1.8 million. This time their relatives or Mom and Dad go to buy, but also with their own way out of the mortgage down remittance 300,000 loan from the bank 1.5 million. Then on the matter. They do not how to do the loan? Banks love collection charge. Anyway, I'm not under contract can take away your money on the house, we have two conflicting less. -
so turned around, raised several times the price of the house back to the hands of the government back to the bank. This explains why the starting of many new real estate repair was They are not fried gambling house will laud. But the bank took the house to wash up. -
bank got the house how to do? Are afraid to mow prices. Had to add some value and then sell. So mediocre people are now not even think to buy a house really rational price! Even if you bought directly from the hands of developers house might have switched hands several times returned to the hands of the banks and developers. To say something now 8000 / level house, there are only 2,500 is the price, 5,500 are thought to send the money black hole making mistakes! That means you are restricted to the hard working backside. -
3: The third question: white-collar families when bankruptcy? ? -
we learn why the house prices up, anew see at the so-called white-collar families in Chinese cities the prerequisite of bankruptcy. -
first exotic white-collar income is really high,GHD Purple Gift Set, but lofty amount. The Chinese called the white-collar workers are generally penniless quality. Chinese enterprises serious inner friction. Everyone scorn all stubborn. No surprise alien companies entered the China mall began to exclaim: That someone would say: The detriment of a large number of bank funds through the hands of a few people went to the mall. These people began to make provocative investments in other zones of China. Because they knew that real estate is after hours collapse. They do another circular of investment prosperity is quickly preoccupy the funds, they invest in the Internet, high-tech investment, investment and distraction, investment many, many. But at fewest ample to pay wages to employees or pay monthly rent on a house for it. Therefore, it is because the rising price of China's urban population established a relative remuneration increase. You do the math you do not believe the city where the mean income of white-collar workers, once paid the monthly housing money, how many ambition be left to the hands? I think this would not I be wordy it. All psychological few. So I can say that once the real estate break that followed the collapse of your wages. -
I know there are many, many white-collar workers who have bought the house. Their thinking is simple: But because your house so what are expensive. Eat your, your transportation, your tuition fees, therapeutic costs are more expensive! ! ! So the money you pay the room individually from the cost of living and then basically kept a penny for it, even if the save point also keep up with normal inflation rate. The problem is if you will maintain the status quo,GHD Leopard Grain, then, in methodology, should be nice. You two decades earned money just to make up for the loss of two errors. -
but the problem out here. With WTO5-year elegance time to the end, a large number of foreign communications, banking, healthcare, insurance, and so companies will have moved into China. That time no one can stop you put money into Citigroup, HSBC deposit. What about that time who are willing to put money in the sum of bad debts so many Chinese state-owned banks? And then how to take fathom even if the Government could run, so what will happen when the time is still hard to say. But one thing is certain is that these banks to China's state when the pressure will become enormous. Loans will be difficult to add on, because banks have no money to credit! At the same time a large number of high-quality genius with foreign-funded enterprises to enter the Chinese market will bring a muscular clash and the collapse of a large number of existing enterprises and white-collar unemployment. In other words. Once the foreign-funded enterprises to join the competition, China's existing 99% of white-collar workers will face under the employment oppression environment! -
and foreign banks started to invest in once the accumulated funds in real estate, then normal operation because they are made out of the house so the process will be low, must shove its citizen real estate dropped sharply. As I said earlier, prices have fallen, or is followed by the business in your wages! Can you buy a house before the loan will not reduce or reduce the price, so you will be unable to pay exorbitant loan. Then your house will take away the bank, your deposit will be directly frozen. So the future of Chinese cities may be the greatest white-collar workers and a few decades ago, like the Chinese state-owned enterprise workers. Hard two years, in the end 竹篮打水一场空! -
how to lest bankruptcy? -
see where you should understand, do not buy a house is a good way to avoid bankruptcy. But I would also like to prompt you, in order to move up the property market does not fall, they have a way that is not advocating people do not buy a man child! You mention, this really little efficacy. Now people a jaws first sentence is: I am really petulant with the strength to swear no. Mizuki weeks in Baidu also post it in this post-ping said: In China, a land not belonging to your house and rent you have to sell you what is the distinction? (Laughs). Not to mention the same property and the robbers who forced evictions of people wrong! This is not simply But since the WTO has signified that the publishing industry and the media industry in China is still not open. Then public opinion will convert a government bailout and developers in the hands of the final trump card. -
so we face a lot of rhetoric, when more than half a head or your own. After a pack of lies we hear build up housing, scale up crazy! Such as recent prices have brick home not expensive when sermonizing said: Some nod? Perhaps for this or these have evolved to dine or drink without ailment does not move and do not wear dead dad and mom had no use for the maintenance of the brick home may really be the case. Therefore, we pay consideration to vigilance. -
Conclusion: -
ready to buy a house buy a house or have a household of white-collar workers will collapse with the collapse of housing prices, that would be a slow process that occurs. Short as two years or at a time ten years. But this is an irreversible trend. Therefore, China has 99% of urban white-collar workers, said a bankruptcy not an alarmist! Today you pay the bank money is for the Government of every housing delivery for real estate speculators who fill holes, only a small part of a real house money. Environment a change tomorrow,GHD Classic Straighteners, you do not have many money to fill holes when the market and banks will be hit back to the home, and then for a number of new people to fill. Do not believe? Wait and penetrate Bai! - PS: Why do I say that 99% of this number, because according to my understanding, once 99% of the monthly salary of over 5000 people began to buy a house, even 3000,4000 buy. What sweethearts do not understand that life will go on to buy badly. I just feel sorrowful for them. Of lesson, if you are that 1 percent of the advisable, than to argue them to save it. Better Together alone. -