The country has liberalized the settlement policy except for municipalities directly under the Central Government, so housing prices in Tianjin will decrease, but less than in other cities. As for other cities, please read this article:

It is the real estate agency that really raises the price of the house. They first used bank funds to buy most of the second-hand houses and quasi-new houses in Beijing. How did they get a suite? Pay someone to carry the house. The so-called backing of a house means finding someone who can get a loan from a bank to buy a house. The renter only needs to provide his ID card and proof of income from his employer. The person who carries the house can get a commission of 20,000 to 50,000 yuan. The real estate agent will take care of the rest. The agent acquires the house and then sells it after it reaches the value they expect. Now you want to ask? If the home doesn't live up to their expected value. What should they do? They will wait. Because the house will only appreciate in value under their own actions. After 1 to 2 years, they transfer the property registered under the house-backer A to the house-backer B's registration. That is to say, two years ago, I used a loan of 400,000 to hire a house-seller A to buy a house. Today, two years later, I asked the renter B to borrow the house from A with a loan of 700,000 yuan. Get rid of the renter’s commission. After personal tax and various taxes are paid to the house price difference to the state. The net income they defraud directly from banks will not be less than 160,000 per house. Of course, the person who sells the house can sell it again and get commission again after selling the house. The method of carrying B on the back of armor, C on the back of B, and C on the back of N in sequence. (The intermediary pays someone to get a bank loan to buy a house, and then sells it at a high price. If you don’t buy it, it’s okay. The intermediary will hire someone to use a bank loan to buy the previous house at a high price. It’s a bank loan anyway. Every time you buy or sell, you can defraud the bank. Funds. When meeting real buyers, the agent sells the house at a high price.) The market value is measured by the so-called relationship between supply and demand. It’s man-made manipulation of value. But now the price-limited housing introduced by the Beijing government is only a voluntary effort to keep housing prices from falling. Because the construction cost of the rough house itself is only about 1,000 yuan. Now, the more the government regulates real estate development, the faster the total amount of real estate development grows. More and more bank funds are entering the real estate market, and housing prices are growing faster and faster. These are all the results of human manipulation. And now more developers are turning the commercial housing they develop into second-hand housing. Work with the real estate agency *** to get a bank loan. Use the method of carrying a house to promote the current so-called prosperity of the property market. Finally, all risks are transferred to the bank. Now the government wants real estate to have a soft landing. Only in the end can we support those who buy houses with bank loans based on the existing housing prices. It stipulates that the borrower's repayment time is 20 years or 30 years, and no early repayment is allowed in between. Bank interest should be fixed. The loan house must not be bought or sold during the loan repayment period. This can only reflect that the loan to buy a house is for self-occupation. On the contrary, the black hole of mortgage loans will get bigger and bigger. If a house falls by half in one day. People who actually buy a house use bank loans with a 20% down payment. Home buyers who have been repaying their mortgage for less than 7 years will not be repaid by the bank. What will happen to national finances. The government is predictable. Secondly, the intermediary fee charged by the agent is based on the total value of the house. Then these house appraisers who serve intermediaries will only overestimate the house. The ethics of deception by these intermediaries and the ethics of developers and the support of the government. It has also resulted in the abnormal real estate industry today. Finally, I hope some netizens will spread my post widely. Hope to follow up on the upload. Let’s expose those bandits together!

A speculator bought a 100-square-meter commercial house last year. The opening price was 5,000 yuan/square meter, and the total price of the house was 500,000 yuan. Loan 80%, down payment 100,000. A few months later, they raised the house price to 8,000 yuan/square meter. Worried that no one will buy it? They have no intention of 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 was 800,000, with a loan of 80% (640,000) and a down payment of 160,000. By remortgaging (or repaying the loan in advance), he sold the house to himself and paid the income tax on the difference.

At this time, let us take a look at the result: This person earned 300,000 yuan in difference in price of the house (because he used the bank's money to repay the bank's money), minus the second down payment of 16,000 yuan. Ten thousand and a little bit of income tax, it has already collected 140,000. And at this time the house is still in his name! Its only burden now is to repay a loan of 640,000 yuan, which, plus interest, is a large sum. But what does it matter? At worst, if you can't repay the loan, the bank will take the house back? ! It still makes 140,000 yuan.

If it can still find a buyer, even if it is sold at the second transaction price (usually higher, it will show you the purchase price in the purchase contract), then it will at least get back the second down payment of 160,000. . So after this round, it made a net profit of more than 300,000. Of course, there will be some transaction costs involved, but they are negligible compared to the house price.

The questions arise:

1. Can they raise housing prices so high?

Answer: Yes. The fundamental reason is that the developers themselves are mainly involved in this activity. Generally speaking, developers will have an internal subscription before the official launch. Through this internal subscription, the developer will know roughly how many real home buyers there are. Based on an uncomplicated algorithm, they know how high housing prices are and how high there are real buyers, and they use this to determine how many houses they can leave for safe speculation. In most cases, they can at least earn the amount of the round of speculation they sold to them (corresponding to the 140,000 above) without leaking the truth. This is because there are real transactions that cover up such fake transactions. In this round, there are two direct victims, one is the subsequent home buyers, and the other is the loan bank; the former has to obtain a place to live at a much higher price than the early subscribers (in fact, up to now, the early buyers The subscription price has also been raised) They have been shackled by developers and speculators for most of their lives from the time they purchased the house, and they have been slavishly enslaved throughout their lives; The latter (banks) will bear greater risks: if the real estate speculators are unable to transfer the house to real buyers again, then this will cause a bad debt - the speculators (developers) have already taken away a large amount of money from the bank. A sum of cash leaves you with a house that cannot be resold. More importantly, you have no way to recover the cash because the process appears to be legal. Senhao Apartment's false mortgage amount of more than 600 million yuan was exposed. It was not because the hype was too fierce and the amount of funds was too large, but because they diverted the speculated funds for other purposes, resulting in unfinished business. If they used part of the huge amount of fraudulent loan funds Once this building is completed, this speculation will be safely blocked and become another invisible black hand in the rise in housing prices - everyone can only see the skyrocketing housing prices, but not how much property has fallen into the pockets of developers and bank officials.

2. Are bank staff so stupid?

Answer: No. The reason is that there may be collusion between developers and bank insiders, and some bank insiders involved in this operation do not hope to make money for the bank through home buyers paying loan interest. Frankly speaking, they may be participating in sharing the spoils—— Chinese real estate developers know how to feed them. So basically, they are stealing ill-gotten gains from developers, passing the risk on to the national bank, and it is the real homebuyers who are footing the bill. Once real home buyers are unable to buy this huge order, the bank will be in crisis. At this time, it is the people of the whole country who are footing the bill, and the country must inject capital into the banks to eliminate bad debts. Where does the country's money come from? Print money! What's the result? With inflation and soaring prices, people's money is no longer valuable, or in other words, people's money has been robbed, and by whom? The state took over and plugged the leaks, plugging the big holes created by developers and certain bank officials. The hole is so big that if it is blocked, it will be an ugly scar, and the pain will always be felt by the people.

3. Why does this happen in China?

Answer: Corrupt officials. All kinds of weird, bizarre, disgusting, sad, angry, boring and helpless things in China can all be summed up in these two words. These two words, to put it more academically, refer to the personnel system. In China, although it is a bit exaggerated to say that no official is corrupt, it still makes some sense. The reason is that without early investment, you simply cannot become an official. Since you have spent a lot of money to climb up, is there any reason not to be greedy? Law is sometimes a joke in our country. The courts are also run by government officials. If you don't hang around them, you won't be able to be a court official tomorrow. How did you get the official position in this court? It goes without saying! Therefore, under this personnel system, a hotbed for corrupt officials has been formed. And bank officials are directly faced with money, which is more attractive to corrupt officials. Everyone knows that the most prestigious places in any place are banks and tax authorities. Not to mention being an official there, just being able to sneak in is an enviable thing.

4. Does real estate promote the national economy?

Answer: Yes; very large.

Developers/speculators and banks drive up housing prices. Although housing prices are extremely high, people have to have a place to live, right? ! In order to buy a house to live in, everyone has no choice but to work hard, which objectively promotes the development of the overall economy. However, although the economy has developed, the distribution of the wealth created has been seriously misaligned: the majority of people who worked hard found that the speed of making money could not keep up with the increase in housing prices. Amid the applause for the country's economic development, people were haggard and wasted their early years. hair. They look blankly at the rising housing prices and are at a loss; they don't know that real estate developers and bureaucrats are squeezing their sweat and blood bit by bit.

5. Is there anything we can do?

Answer: Yes. With housing prices out of control to the extent they are today, there are still experts who support them and come out to defend themselves hoarsely, saying that high housing prices are a normal phenomenon of the market economy. And some people who don't know the truth (except individual speculators) are also frightened by the rising housing prices, and would rather be shackled in order to find a place to live. Therefore, whenever there is a new house subscription, they are ignorant and flock to it. Once the subscription is successful and the house price rises again, it seems that the house has been paid for more than 100,000 yuan before the house is paid. I am elated, as if I got a big bargain. In fact, go sell it and see if anyone really takes advantage of you? In fact, you have unknowingly acted as accomplices for some developers and some bank officials, and you are also the victims, and you are still complacent there! You are just suffering less. You were punched once, and others were punched twice. Do you deserve to be happy about this? If this is really the case, I can only despise you, because it was you who rushed to receive this punch that caused other people to receive these two punches. If we all don't participate in the subscription, I believe they can't speculate and they can't nakedly grab social wealth. Therefore, I appeal to everyone and hope that everyone: do not participate in any form of subscription, and do not queue for any number.

Since the real estate market has been booming to this day, some developers and some bank officials have grabbed a lot of wealth, house prices have risen, and the house price bubble has become a reality. What we need to do now is to burst this bubble. We refuse to build our miserable life of slavery on this huge bubble. Therefore, I appeal to everyone and let everyone understand again: If we can not buy a house for the time being, don’t buy it and maintain the status quo for the time being. I believe that if you do this, it will only take half a year to a year for these insidious developers and certain bank corrupt officials to be exposed for their true colors: First, there will be a large number of bad debts in the banks, and serious economic problems will arise in the National Bank. If this problem is not solved, The inventory will seriously affect the actual interests of other interest groups (remember, in addition to developers and banks, there are many interest entities). Once there is a problem with the national economy on which they depend, these interest groups will react strongly. 7. They will use judicial organs to intervene in the tracing of bad debts, forcing bank officials to be interrogated and confess bribery insider information, and then trace the developers who paid bribes. As usual, these developers will jump up and down the chain and start spending money to bribe the tracking officials. However, since these officials represent the interests of more groups, most unscrupulous developers will face a desperate situation. Some of the ill-gotten wealth will be recovered (if it has not been squandered). More directly, housing prices will tend to be basically reasonable.

What is a reasonable price? They are people who work hard with their hands - they are the real creators of social wealth, they can afford housing, the loans will not weigh them down for the rest of their lives, and they can still be in the mood to entertain their children after work. I can still smile a little on the road... These were originally basic living standards, but they were ruthlessly destroyed by developers and bank officials

Some "experts" say that if housing prices fall, the Chinese economy will be finished! The government must be wrong to rescue the market. These experts who are supported by others are just saying that real estate has driven the development of steel and other industries. Investment is indeed about real estate. Because the prosperity of real estate can drive steel, cement, timber, sand and soil, retail and other related industries. Both governments and individuals can benefit from the real estate boom. What is the purpose of the country's affordable housing construction and large-scale infrastructure construction? It is undeniable that these national policies will come into effect later, but it is not like some "experts". House prices are too high and ordinary people will definitely not buy them and cannot afford them. Through years of inspections of residential housing prices in major cities in dozens of countries and regions with different levels of economic development, the World Bank and the United Nations Center for Human Settlements have respectively concluded “reasonable housing prices.” The housing price-to-income ratio should be 3-6 (World Bank experts say it is 4-6).

This tells us that the internationally recognized housing price that residents can afford, which is what we call the "reasonable price level" in housing prices, should be equivalent to 3-6 per household. average annual income. Many Chinese citizens, who are under the pressure of high housing prices, may lament that "foreigners" can buy houses so "easily". But if they want to know the "gold content" of these "foreigners"'s low housing price-to-income ratio, they may even lament and go "crazy".

In developed countries such as Europe and the United States, the houses their citizens can buy with 3-6 years of family income are, first of all, much larger than ours in terms of per capita area. China's urban residents are still far away from the "primary housing well-off standard" of 30 square meters per capita, while in these countries the average per capita is 50-90 square meters. Take the United States as an example. In the past few years, the average area of ??newly built houses has reached 2,114 square feet, and the average household size is about 220 square meters, which is equivalent to about 70 square meters of housing per capita. What should be pointed out here is that the "area" they calculate is the actual "usable area". Corridors, attics, basements, and yards are not included in the calculation, and there will be no "***" Stall area". When buying a house in China, the "construction area" plus the stall area are used. The same "paper area" is actually much less than others. In addition to the difference in "quantity", in terms of "quality" of housing, their "gold content" is even more incomparable to us: most of them live in independent houses (single villas), while more than 95% of us live in It's an apartment; the house they bought was renovated and you could live in it as soon as you walked in, but what we got after working hard for a long time was just a rough house, and we had to spend a lot of decoration fees to live in it; their house has a large garden in the front and back , some communities also have golf courses, and many homes have swimming pools with advanced and luxurious supporting facilities. However, most of our houses do not have certain supporting facilities, and many of the houses are still at the level of "workshops".

This is not only the case in European and American countries with vast territories and abundant resources, but also in South Korea and Japan, which have much higher population densities and living costs than ours, the housing price-to-income ratio is not much higher. In early 2006, South Korea's Land Research Institute conducted a survey of tens of thousands of households and compared it with countries such as the United Kingdom and the United States. It showed that South Korean citizens need to save their entire income for six years to buy a house. Especially in the capital Seoul area, it takes 7.7 years to save total income to buy a house, 3.8 years in regional cities, and 2.6 years in small and medium-sized cities. In the United States and the United Kingdom, it takes only 2.7 years and 4.1 years of full income to buy a home respectively. According to Japanese official data, a newly built 3-bedroom, 1-living-1-kitchen-1-bathroom apartment in Tokyo with an exclusive area of ??75 to 80 square meters (equivalent to our 90 to 100 square meters of building area) and a fine decoration will give you 20 square meters. It has a balcony, a corridor of several square meters, and basic appliances including an LCD TV. The price plus a parking space is only about 30 million yen. The average monthly income of ordinary working-class families in the area is 560,000 yen. In this city, which is said to have the highest price level, the largest population density, and the highest housing prices in the world, the housing price-to-income ratio for salaried workers is also calculated at around 4.5-5.

Of course, not every country and city’s housing price-to-income ratio satisfies residents. An American consulting company conducted a survey on the purchasing power of international housing prices based on the housing price-to-income ratio to see which cities in the world have housing prices that are "the most unaffordable" for residents. As a result, Sydney, Australia, ranked first with 8.5, surpassing London (6.9), New York (7.9) and Tokyo. As a result, it was asserted that "Australia has the largest real estate crisis in the world." I really don’t know how Chinese officials and people will feel after reading this “World House Price Report”!

The value of this survey to our analysis of the real estate market is that it provides specific indicators, allowing us to use data to speak and more scientifically analyze and evaluate whether a place’s real estate is “healthy”, and whether housing prices are Is the level reasonable:

When the housing price-to-income ratio in a place exceeds 5, international practice considers the city's housing purchasing power to be "extremely low";

When the housing price-to-income ratio in a place exceeds 6 When the housing price-to-income ratio of a place exceeds 7, it will be recognized internationally as "the most unaffordable area for international housing prices"