China's property market can only rise or secret

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3 ~- D! ~" \4 g# @2 B- C last night, and a pawn to open lines of student drinking.
I asked the students, "how many you buy a house,abercrombie outlet, the number of pavement?"
"houses 22 sets of pavement 12." show off like answered.
, L; |- M& p- q8 V2 J "How much money do you spend it?" Although 10 million students a rich man, but he did not regard the money they can more than 10 million in fixed assets on it! Mo figured in my heart, very suspicious!
"buy a house now, only money or a fool! loss you're a businessman!" The students looked at me with contempt.
( h0 g: [; j6 x9 G7 R students, then I am really loud, so I am stunned. I quickly consulted widely. Thus, students would say something incredible to me, and Frightening words ...... the following, all my classmates, even though some words out, but I relayed the basic semantic clear of.
& l; l7 C  J' p4 s one, buy a house without money or, how to operate it?
7 D! _8 w) Q5 O students so -
you know, my pawn business entirely on the money with money. First buy a house, although I was able to pay off the full amount,christian louboutin shoes, but I do not want the house so much cash was crushed to death. At that time, is popular "zero down payment\
# L" ?8 e* H" l valid for one year, should also paying back the principal and interest of the. I do not know lucky? Or am I bad luck! At that time, my funds are a business occupied. For business, I not only do not speak from the housing fund, new loans had to another. Compelling, I find the old relationship - bank credit manager ditch dollar. When I muttered to put "extension is also paying back the principal and other new lending" requirements that came out, did not expect,nike tn requin, credit managers are secretive smile, very readily agreed.
: \2 L* q; K$ F4 h, X credit manager gave me the idea is simple: let my wife to double the price of the loan to buy my house, loan term is for one year.
"double credit, that is twice the interest ah! not you change the side of the exploitation of me?" I do not react.
) Z5 j  C" F6 Q% U, E "if, when you do not repay it?" credit manager is very calm.
"ah ......"
" by banks Shoufang, no big deal! key is to remove the taxes, I also got 170,000 with a blank. No, this is 170 000 I can not be a who was, I at least give him 50,000 points. "Soon, I react. So, I credit manager knowing smile ......
/ l2 d2 M3 \* Y# j) _5 H/ U% ]9 s5 P This is the first time I buy a house experience.
7 o8 \: X6 E: V+ o  ~ I later buy a house with this similar experience, that is: a firm does not dig a penny, all with a bank loan to buy a house; then, the truth is unknown if the investors meet (say investors, is Shamao) buy a house, then sell him high. If you have not investors buy a house, then continued to increase their lending to their own house, keep the money the banks use bank debt.
  |5 @# K. w: o$ e Also, I was off to pawn shops, the bank's relationship with the average person can not compare. Most people buy a house, most choose 20-year mortgage, and I buy a house has always been only one year loans, due the principal and interest only. This operation, not have to pay monthly. The credit expires, I just do some "paper article" about turn loans. In fact, I do not have to dig a penny.
Second, in real life are so absurd, a "fairy tale\
! R8 l- m" Y4 V. n9 J student's words: Brothers! I see you people only tell you if they dig chest. How could you not believe me? How can you trust me?
  ^  q8 B# v6 Q2 v speak of: you give me more about practical examples of it!
students: you know how the king two pock fortune it?
& i9 X1 v0 |9 k: _! Q$ x& Y speak on: "Then you talk about." king of the Second Asako is another of my classmates, now is the development of hundreds of millions of property-level rich.
  h/ r! f7 v! J7 ^, A: H students so -
Then I would talk about.
In the past, the king two pockmarks that abjection ah! Even he registered the company's registered capital, which I temporarily borrowed to him. Now, Do not look pockmarked surface of the second king of scenery, he took in money from bank loans; the house and money,cheap babolat rackets, builders Advancer's. In short, he is a complete "karate."
houses have been repaired, the king two pockmarks in the official opening before, usually to hold an "internal sale will be." The internal sale, in fact, the king summoned two pock-house staff and some like me, familiar real estate speculators off (or simply are collected from a recruitment conference, many of the candidate's "identity card") to name these people to buy houses, all with a bank loan to buy. This is the so-called "developer store room."
5 \* V9 Q: P$ k2 c5 ~* A and, the transaction price reported to the bank's transactions to be higher than actual transaction prices within the 30% increase. Why? For loans to buy a house down payment of two percent ah! For example, if you want to recover 100 million, then you have to price to 130 million bank loan. Thus, banks give you money are: 1.3 million × 0.8 = 104 million; you actually pocket the money is: 1040000 -4 million (to the relevant bank officers and the "commission") = 1 million.
this way, through the opening before the internal sale, King 2 pockmarks in fact has successfully recovered all the investment risk of all transferred to the bank. By this time,cheap juicy couture wholesale, King will begin advertising to sell the house two pockmarks, and the return of "buy land bank loans" and "repair the house builders Advanced Payment."
of speech: the back, how does it work?
students so -
how do you like Bena! Slightly smarter people can think of, behind the methods of operation, in fact, is the same as my real estate speculators, that is: "If the truth is unknown to investors met (said to be investors, in fact Shamao) buy a house, then sell him on high; if investors buy a house has not been, then continued to increase their lending to their own house, keep the money the banks use bank debt. "
However, as has been recovered The first payment of mortgage loans, so the back of the operation does not require 30% increase each time, just Anzhuo property prices have been rising rate increase on it (that is, up about 14% per year).
* Q& a# n- G$ h- v8 d1 E. k# V what? If price rises not enough to pay interest on the loan how to do? Joke, when you saw the property price rises in China less than a year's loan interest?
+ \0 @  W" d: d& [4 K4 p see it! This is China's property market, prices can only go up not down; and, the rate of increase in house prices can not be less than the current loan interest is also the real reason! !
think about the laughable, actually, some scholars said, "construction costs and rising land price, is the reason for soaring prices." This is like Che Dan! In fact, the "financial cost" price is the composition of the bulk, accounting for at least 50% of current prices.
to Shanghai as an example the collapse of the Lotus Riverside. Published online, the floor price of less than 604 yuan / square meter, construction costs not to 1300 yuan / square meter (in fact, published online in the construction cost is not accurate. City Court lift the quality of the total of the apartment building than it Well construction costs and no more than 1000 yuan / square meter) house so cheap, why the developers have to take it sold 14,000 yuan / square meters of it? Sell low point, a little less money can not I? The answer is impossible. The reason is simple,nfl football jerseys, "financial game" is the cost of each such operation time, the house must be a fare increase. Only by constant increases, the operation of only survive. Therefore, the Lotus Riverside two years ago to sell 7,000 yuan / square meter last year, selling 10,000 yuan / square meter, this would have non-sold for 14,000 yuan / square meter. As the saying goes, "tofu dish into the meat price." This is the "financial game" price!
8 i) }0 x, K0 ? are merely stating the facts of the current property market in China, "the house is used for speculation, not to live; commercial housing was sold to banks, not sold to ordinary people."
old classmates, please You think, now the property market, housing prices clearly have far exceeded the actual purchasing power of ordinary people (which means the house never sell), why house prices will keep rising now? And also "the amount of price Qi Zhang," then? Why? Is here!
three very individual phenomenon, can represent the overall situation of China's property market?
( D% x: ?* Z2 M students so -
old school, you're so ignorant it. See:
! w) J, _" g# {+ |7 x. @; N0 M, y/ v Li Shubiao case: September 8, 1999 to January 15, 2004, Chenzhou City, the former director of housing provident fund management center, Li Shubiao fraudulent fund loans, bank loans totaling 44 document, involving 120 million yuan.
Kangming Case: before and after 2000, Zhengzhou, Henan Kang Ming Ming Garden Properties Limited 414 East Suite by source, in the Industrial and Commercial Bank of China, Bank of Communications, China Construction Bank, China Merchants Bank to repeat a total of more than 690 sets of mortgage loans, cash in bank funds at least 200 million yuan.
4 Y/ f& }( y$ ?' l1 x Yao Kangda case: From 2002 to 2003 in the first half, China Industrial and Commercial Bank of China branch in Shanghai Waigaoqiao Free Trade Zone to the "Yao Kangda" one person, the mortgage paid 71.41 million yuan, 128 housing units for speculation. Sen-Hao false mortgage
. Z: Y1 m+ `& y case: From mid-1997 to first half of 2002, arrived in Beijing China to Sen Hao Real Estate Company, apartments, under the guise of Mrs Lee Garden, a way to leave the mortgage to the Bank of Beijing Branch, Bank of Beijing Zhongguancun Branch, Beijing Branch, Bank of Exhibition Road, a total of three banks Piandai 1.62 billion. (See "Beijing's largest mortgage Piandai false case awakened the housing market" http://finance.people.com.cn/GB/1045/9255894.html)
Construction Bank Guangzhou Branch of the case: In 2002, the audit China Construction Bank in Guangzhou area examined by the Department of housing mortgage loans in eight branches and found that one billion yuan of false mortgage. Shanwei City, Guangdong Province Public Security Bureau is only one Deputy Secretary, that is fraud Fangcun Branch of China Construction Bank in Guangzhou City, 37.93 million yuan of mortgage loans. Hu Ping Qu
case: In 2006, Shanghai Pudong Development Bank has been lending in Lujiazui branch, found that 126 million personal property mortgage loans there is no real, loan agent, "Qu Hu Ping." Associated with the song was later found to mortgage up to 91 pen, involving about 400 million yuan. Commissioned by the Housing Bank had to sell mortgage real estate agency to recover problem loans.
with the Thai case: In 2006, Thailand Beijing real estate company in connection with the use of fake owners 签购房合同 87, Piandai 67 million yuan from the bank.
Chengdu Property Piandai fictional case: from 2005 to 2008 period, the suspect collusion Tangmou Chengdu Housing Authority staff to handle the way fictional real estate property card to Piandai. Evidence has been found involved in real estate over more than 100 sets, involving nearly 20 million yuan! But the situation still further development.
In addition, repeated orders this year, the precise requirements of the CBRC, "loan must be used effectively to meet the credit needs of the real economy, credit flows to prevent the property market." However, the 4 trillion of funds into the property market is still ......
! j6 ]6 H: c) |* `+ K/ l1 E) g0 U" W4 } old school, you think, Why should there be so many of these things? Why is the country's banks knew that they must also leave the mortgage money to lend the developers? Are bank officials are fool?
In fact, bank officials are not stupid.
reason is that internal bank staff is working hand in glove with the developer's associates. Involved in the operation of some of the bank's internal staff is the hope that buyers will not pay interest on the loan for the bank to make money, and frankly, they are involved in dividing the spoils - to steal their ill-gotten gains together with the developers, the transfer of risks to the National Bank, and pay the real buyers. Once the real buyers can not buy the huge one, the bank crisis.
this time, the pay is that people across the country, the state must recapitalize banks, elimination of bad debts. Countries where the money come from? Print money! What were the results? Inflation, soaring prices, hundreds of old money is worthless, or people's money was robbed, robbed by whom? Snatched by the state plugging, and plugging developers and banks out of some boring hole. The hole is so big, blocking is an ugly scar, and pain is always the people.
So I would say - the real estate industry has become the unit, the relevant departments to unite divided countries, money (in fact people's deposits) of the props.
violation what the big deal? Bank officials were not afraid ah! As long as the surface of the paper formalities complete, I have no responsibility. Even if the mortgage loan is false, what is the relationship? Moreover, the background state banks, is also afraid of losing some, anyway, bank officials are now made money on the line. The bank later to die naturally with the State to manage Moreover, bank officials, it is the next thing. No wonder the Bank of China's bad debt rate of 40% or more actually! The original, in China, the biggest corruption in the bank! !
4, if it is a common phenomenon, why do not developers are being repossessed?
students so -
for many reasons, simply are:
: t: w+ C1 F7 f7 M3 u* H6 c2 p 1, you do not care about the real estate industry news. Such as "Ping Hu Qu case\No violence.
) {3 C8 I8 P8 C  d( t cover how to do the work? Very simple - just a recent debt, developers will be and the "internal bank associates" together, to sell the house again increases (refinancing) other "identity card" (actually, the house still In the hands of developers). This operation, the developer will never be repossession.
6 B! u# b4 v, U Although this operation, house prices will continue to rise, and soon far exceed the actual capacity of ordinary people (which means the house never sell). However, this operation, if only from the official point of view kind of process, the surface of the paper only if the procedures of view, it is always legal. This is the bank officials to developers who dare to cover for the reason - because the current banking system, as long as the surface of the paper, complete procedures, and bank officials, there is no responsibility.
(the story is purely fictitious and any similarity, not imaginary self-matching)