Beijing scholar run 60 city to find out the method of speculation and the financing of the House

A scholar from Beijing University visited more than 150 real estate in more than 60 cities nationwide, revealing the method of speculation and the source of funds Rai Wei-min, professor, 40 years old, is a Beijing university's economic management Research scholar. From 2009 onwards, he visited more than 150 real estate in more than 60 cities nationwide.　　In the "dialogue" with these properties, he tried to unlock the real estate "hot" behind the mystery. Found that a lot of business owners take loans to fry House "don't look at my factory machine in turn, workers in busy, but that is a loss, but I have to do to the bank to see, so as to get a loan, to go to fry the floor."　　Rai Wei-min was surprised to hear that business owners described their own "way of doing things". At the beginning of 2009, Rai Wei-min in lectures and found that entrepreneurs from different industries showed unusual interest in the property market and were lukewarm about business. What exactly is the problem?　　With doubt, he began his investigation visit.　　Beijing House buyers said that every time the government policy, for investors will indeed increase costs, can increase the cost, sales prices will also be higher. Rai Wei-min with hundreds of sales miss, buyers of the dialogue shows that a considerable part of the home buyers to invest or even speculate for the purpose. "After the new deal, second-hand housing intermediary appeared a large number of newly bought house, no decoration of the house, as well as a seller of many sets of houses."　　"All this means that the investment climate in the property market is rather strong," Rai Wei-min said. Because the speculation room has become a drum to pass the flower game price high, why still be sought after? Investors, business operators to Rai Wei-min to give an answer: "The expectations of appreciation of the renminbi, labor costs rise, the reduction of export tax rebate, raw materials, and the impact of the financial crisis, many enterprises will not be able to hold."　　"Some of the entrepreneurs who used to be the owner of the house" told Rai Wei-min. Due to the changes in the international and domestic situation, some traditional export-oriented manufacturing industry has been in trouble after the shutdown, but they have a strong investment impulse, the property market has become a natural choice. "The room has become a drumming game, but no one believes that they will receive the ' last stick '."　　"Rai Wei-min said. The proposal to guide the capital into the real economy "needs to face and respect the investment needs of funds, curb speculation is to make these funds have good investment channels." "Rai Wei-min said," The property market has effectively hit the ' speculators ', but to allow funds to effectively withdraw from the property market, it must also create a healthy investment channel, especially to guide the capital into the real economy, plugging into a sparse solution is the root of the problem. "The Secret of the four Raiders" after more than 60 cities in more than 150 real estate survey, Professor Rai Wei-min found more speculation room "secrets": At the same time, when the "Fried house" to buy more than one set of properties, he will face a higher down payment ratio and mortgage rates.　　Therefore, "speculators" once decided to buy more than one set of real estate to be the same day, because the bank's credit system can not be updated in real time, "speculators" purchased each set of properties are regarded as "the first housing." Stir-free Room Developers sell the house does not charge a house, just hang a name, indicating that a set of properties have been sold, and so on, after the price rises, buyers will sell property, earning the difference.　　Such buyers are often the people who have a stake in the developer. Since the sale of developers to start their own employees and friends to buy a mortgage, once the bank to the developers, the buyer controlled by the developers to sell the property in the form of second-hand housing.　　This will not only help developers to withdraw funds, but also help to maintain the high level of housing prices.　　Yin and yang contract in the second-hand housing transactions, such as the real purchase contract price of 1 million yuan, false contract made 1.5 million yuan, 30% down payment, originally can borrow from the bank 700,000 yuan, now it becomes 1.05 million yuan. According to Xinhua's "Xinhua Viewpoint"