If you are a 25-year-old Tsinghua graduate, can you buy a house after you settle in Shanghai? You are qualified to buy a house, but you can't buy it without money. You can't afford a decent wedding room by working hard all your life. At this time, you are the most typical Party B in the agency behavior. You have a place to buy a house, but no money.
But your parents are rich. Your parents are relocated households in Yuhang. They have a lot of money. Why don't they buy a house with their own quota? When they come to Shanghai to pay social security to buy a house, it will not only take five years to buy it, but also because of age and other problems, they can't get a loan as high as yours. They are optimistic about Shanghai's real estate and have money, but they will use your quota to buy a house because the quota and leverage are limited. They are Party A..
Party A pays the money and Party B gives the quota to buy a house together. This combination can be found everywhere in big cities. Your parents think Xujiahui's house is good, so they buy a house in Xuhui. When you work in Tesla in Lingang, they rent out Xuhui's house and let you rent a house in Lingang.
You are a young man. You may not have enough money to eat alone, but your house in Xujiahui, from the down payment to the loan, is actually paid by your parents. Excuse me, who should the real ownership of this house, that is, the right to income?
You may ask, why do parents and children say so clearly? The problem involved here is marriage. If you get married in the process, and your parents pay the down payment but buy the property with your purchase quota, can your husband or wife share the money?
During this period, if the profits from the property appreciation belong to Party A, that is, your parents, then your spouse will not get any money. If it belongs to Party B, your spouse can get the money. Divorced, how to divide the money?
In society, people think that agent holding is a problem of real estate speculators, but in reality, the most common agent holding both sides have encountered the problem of marital property. And what I said above is all some introductory knowledge.
One of the simplest holding operations: your parents lend you a full loan of100000, buy a suite in Xujiahui in your name, and then you mortgage this suite as collateral for the loan. You borrow with interest, and the annual interest 12% is protected by law. After the house is sold five years later, can your spouse get a share of the money?
This kind of hug operation is very common, and now parents and children use it a lot. It is to prevent young people from losing their property when adding their names to their spouses. The so-called proxy holding in real estate investment is actually that investors replace their parents' status and control the property rights and use rights of houses and future income rights through a series of agreements.
These things certainly don't conform to the daily cognition, but taking some time to look at them again and again will definitely be of great benefit to understanding the real estate market.