House prices have risen high because:

1 Limited land

2 Large resident and floating population

3 Everyone across the country wants Buying a house

4 Developers with bad intentions

5 Collusion between government and businessmen

6 Guide to real estate speculation

Methods of real estate speculation

Step one: Establish a real estate speculation group, preferably with more than 5 people, so that the amount of capital can be larger, and prepare a capital of one million. We numbered 5 people A, B, C, D, and E.

Step 2: A purchases a property through a bank mortgage loan. For example, if the property price is one million, then a 20% mortgage requires a down payment of 200,000 yuan and a loan of 800,000 yuan. Now the regulations seem to have reached 30%, so the down payment needs to be 300,000 yuan and the loan needs to be 700,000 yuan.

Step 3: Two months later, A sells the property to B. This was discussed in advance. If there is no transaction, create the transaction yourself. A raises the house price to 1.3 million, then B also needs a loan to buy a house, with a down payment of 260,000 and a loan of 1.04 million. Calculated based on 30%, 390,000 yuan is needed, and the loan is 910,000 yuan.

Comment: Through this virtual transaction, A received 1.3 million from B, of which 800,000 was used to repay the bank loan and 260,000 was used to pay B's down payment. In this way, A has 240,000 yuan left in his hand. After taking out the 200,000 yuan originally invested by the group *** at the time of startup, he is left with 40,000 yuan. Through this transaction, this group has completely transferred the risk of real estate speculation to the bank. The algorithm for 30% mortgage loans is the same in this process, but the risk has not been completely transferred to the bank.

Step 3: Two months later, B sells the property to C. This was also discussed in advance. There was no transaction and he created the transaction himself. B has raised the house price to 1.7 million, so C also needs a loan to buy a house, with a down payment of 340,000 and a loan of 1.36 million. Calculated based on 30%, it requires 510,000 yuan and a loan of 1.19 million yuan.

Comment: The principle is the same as above. After the 20% mortgage, the group will have a remaining 360,000 yuan, and the greater risk will be passed on to the bank. After this step of 30% mortgage, we can also calculate that this group will have a remaining balance of 190,000 yuan, and the risk has been completely transferred to the bank.

Step 4: Continue to trade downwards to C and D. Each time, the price must be increased to sell. As agreed, someone will buy it anyway.

Comments: After several mortgages, the remaining funds will become more and more. The above is an example of the transaction process of a house. In fact, the real estate speculation team is operating many houses at the same time. I remember that in 2005, a real estate speculator in Wenzhou went from 100,000 yuan to 100 million yuan in one year.

Step 5: Throw it to the bank or sell it to real buyers from this group.

Comments: When the price of the house is too high compared to local housing prices, D will choose not to repay the loan and let the bank take over the house. In addition, it is sold to buyers with real needs. You may ask, who will buy it at such a high price? Haha, my friend, you are worrying too much. Haven’t you seen that there are many people who are throwing moths into fire? These people believe that housing prices will continue to rise. If you don’t buy it now, when will you wait?

It is this artificially created transaction process that makes our housing prices rise again and again, because if they don’t rise, there will be no money to be made, and we must let it keep rising! Therefore, no matter what kind of land policy the country promulgates, it will be useless. This is not because there is a problem with the land policy, nor is there a contradiction between supply and demand in the real estate market. It is just because of the policy of low mortgage loans to buy houses.

I made a simple calculation: for a 20% mortgage, the real estate speculator team needs to raise the price by about 20%, so that the risk can be transferred to the bank; while for a 30% mortgage, the real estate speculator team needs to raise the price by about 20%. Only by about 43% can the risk be transferred; and now it is rumored that the country will prepare to increase the second-hand housing loan to 40%, which will be a fatal blow to the real estate industry. If this policy is really introduced, the risk of real estate speculation will come. Okay, friend, you should withdraw from the real estate market for the time being