Reveal how amazing real estate prices are at high prices

Two years ago, house prices soared. Some industry experts stood up to reveal the story, how speculators operated to make profits, and how developers and banks colluded with each other, it also gives people a deeper understanding of the real estate industry. At present, the introduction of relevant policies has effectively controlled the behavior of real estate speculators, so the so-called real estate speculators are also mentioned in the old saying, the post of this classic Hot Box case is still one of the hot posts of the forum, the so-called not "good scars forgot pain", published this article with the insiders to encourage.

Speculators bought a 100-square-meter commercial apartment last year. The opening price was RMB 5000/square meter, and the total price of the house was RMB 0.5 million. A loan of 8 to 0.1 million, with a down payment. A few months later, they fired the house price to 8000 yuan/square meter. Are you worried that no one will buy it? They are not selling it! -- They sell the house to themselves! (In the name of another person, of course ). At this time, the total price of the house is 0.8 million, the loan is 8 to 0.64 million (0.16 million), the first payment is, through the mortgage (or prepayment), he sold the house to himself, and pay the income tax of the price difference.

At this time, let's take a look at what the result is: this person made a house price difference of 0.3 million (because he used the bank's money to pay back the bank's money ), after the second down payment of 0.16 million and a little income tax, it has taken 0.14 million. At this time, the house is still under its name! Its only burden now is to pay a loan of 0.64 million yuan, plus interest, which is a large amount. But what is the relationship between the Bank and the Bank ?! It earned 0.14 million yuan. If it can still find a buyer, even if it is sold at the second price (usually higher, it will show you the purchase price on the purchase contract ), then it gets at least 0.16 million of the second down payment. In this round, it will earn a net profit of more than 0.3 million. Of course, there will be some transaction fees in the middle, but the price is negligible.

The problem arises.

1. Can they make the price so high?

Answer: Yes. The root cause is that the developers themselves participate in this activity. Generally, the developer has an internal subscription before the official opening. Through this internal subscription, the developer knows roughly how many real buyers there are. According to a non-ComplexAlgorithmThey know how many real buyers are involved in house price speculation, so they can decide how many houses can be left for security speculation. In most cases, they can earn at least the amount of hype sold to themselves (corresponding to the above 0.14 million) without missing out, this is because a real transaction masks this fake transaction. In this round, there were two direct victims: first, subsequent buyers and loans to banks; the former needs to get a home place at a much higher price than the first-time buyers (in fact, the first-time purchase price has also been hyped up ), during the first half of their life when they bought a house, the developers and speculators carried a heavy chain and walked on their way to life. They were all slaves in their life; the latter (the Bank) will bear a greater risk: If the speculators are unable to transfer the house to real buyers again, this will lead to a bad debt-speculators (developers) you have already taken a large amount of cash from the bank, leaving a house that cannot be switched. More importantly, you have no way to recover the cash because the process looks legal. The fake mortgage amount of senhao apartment was revealed to be more than 0.6 billion yuan, not because of the hype and a large amount of funds, but because they moved the funds to the end, if they use part of the huge loan fraud fund to complete the project, this hype will be safely blocked and become another invisible Black Hand for soaring house prices-everyone can only see soaring house prices, not much property falls into the pockets of developers and bank officials.

2. are bank staff so stupid?

Answer: No. The reason is that developers and internal bank staff may collude with each other. Some internal bank staff involved in this operation do not want to make money for the bank by paying loan interest from buyers. Frankly speaking, they are also involved in the division-Chinese property developers know how to feed them. Therefore, together with developers, they steal illegitimate money and pass on the risks to the National Bank, paying for real buyers. Once a real homebuyer cannot buy this huge order, the bank may suffer a crisis. At this time, it is the people of the whole country who pay the bill, and the country must inject capital into the bank to eliminate bad accounts. Where does the country's money come from? Print money! What is the result? Inflation, soaring prices, old hundred dollars are not worth the money, or the people say that the money of the common people has been snatched, who has been snatched? It has been blocked by the state, blocking the holes that some developers and bank officials have made. This hole is so big, blocking is also an ugly scar, and the pain is always the people.

3. Why is there such a thing in China?

Answer: corrupt officials. All sorts of weird, weird, sad, angry, boring, and helpless things in China can be attributed to these two words. The academic point is the personnel system. Under this personnel system, the hotbed of corrupt officials is formed, and bank officials face money directly, and it is more reasonable to attract corrupt officials. Everyone knows that banking and taxation are the best in any region. It is enviable not to say that you are an official company.

4. Is Real Estate promoting the national economy?

Answer: Yes; very large. Developers/speculators and banks will speculate on high house prices. Although this leads to a very high house price, people must have a place to live ?! In order to buy a house and live, everyone can only work hard, objectively promoting the overall economic development. However, despite the development of the economy, the distribution of wealth created is very misaligned: the masses of hard-working people find that the speed of earning money is far behind the rising rate of house price. In the sound of national economic development, the Old Age of white hair. They are at a loss looking at rising house prices. They do not know that real estate agents and bureaucrats are squeezing their sweat and blood.

5. Do we have a solution?

Answer: Yes. To this point, the house price has been out of control, and some experts have repeatedly defended that the high price is a normal market economy. Some people who do not know the truth (except individual speculators) are also scared by rising house prices. They prefer to be shackled in order to stay in the room. So once a new house is subscribed, that is, ignorance. Once the subscription is successful and the house price rises again, it seems that the House has won more than ten thousand yuan before it is handed over. In fact, you want to sell it. Do you really have a bird? You have helped some developers and some bank officials, but you are also victims and are still complacent! You only suffer a little less. You have been given a punch, and some others have been given a punch, which deserves your pleasure? In this case, I can only despise you, because it is because you are snatching this punch that causes others to get these two punches. If we do not participate in the subscription, I believe they cannot speculate, and they cannot obtain social wealth naked. Therefore, I would like to appeal to you and hope that you will not participate in any form of subscription, or arrange any number.

Today, property market speculation has led some developers and some bank officials to take advantage of a wealth of wealth. house prices have risen and the housing price bubble has become a reality. What we need to do now is to break through this bubble, and we refuse to build our miserable, slavery life on this huge bubble. Therefore, I would like to appeal to you and make everyone understand that if we do not want to buy a house for the time being, we should not buy it and maintain the status quo for the time being. I believe that if this happens, it only takes six months to one year, and the house price will tend to be a reasonable price.

What is a reasonable price? People who work hard with both hands-they are the real creators of social wealth, can afford to buy housing, loans won't keep them straight up, they can still tease their children after work, A little smile on the way to work ...... These are basic living standards, but they are all ruthlessly destroyed by developers and bank officials.