It is the housing agency that really raises the house. They first used bank funds to cover most of the second-hand houses and quasi-new houses in Beijing. How did they get a suite? Pay someone to carry a house. The so-called back house is to find some people who can borrow money from the bank to buy a house. As long as the person who backs the house provides the identity card and the income certificate issued by the unit. The person who backs the house can get a commission of 20 thousand to 50 thousand yuan. The rest is handled by the real estate agent. Intermediary sets to the house and then sells it after reaching their expected value. Now you want to ask? If the house doesn't reach their expected value. What will they do? They will wait. Because under their self-writing, the house will only appreciate so-called. 1 After two years, they transferred the property registered by the mortgagor A to the registration of the mortgagor B.. That is, two years ago, I used a loan of 400,000 yuan to ask the mortgagor A to carry a suite. Today, two years later, I asked the mortgagor B to borrow 700,000 yuan to back the suite of A. Remove the commission of the mortgagor. And the housing price difference paid to the state. The net income they cheated directly from the bank will not be less than160,000 per house. Of course, the person who backs the house can also carry it back and get the commission after transferring the house. The method of B-back A, C-back B and C-back N in turn. (Intermediaries pay people to borrow money from banks to buy houses, and then sell them at high prices. If you don't buy it, the intermediary will hire someone else to buy the previous suite at a high price with a bank loan. It's a bank loan anyway. Every time you buy and sell, you can cheat the bank of money once. When you meet a real buyer, the intermediary sells it at a high price. So repeatedly. ) in the so-called housing value is measured by the relationship between supply and demand. Is the artificial manipulation value. Now, the price-limited housing introduced by the Beijing government is just a wishful thinking to support the house price. Because the cost of the blank house itself is only about 1000 yuan. Now, the more the government regulates the growth rate of the total real estate development, the more and more bank funds enter the real estate market, and the growth rate of house prices is also faster and faster. These are all the results of human manipulation. Now, more developers have directly turned the developed commercial housing into second-hand housing. Come with the real estate agent * * * to set up a loan to the bank. Promote the prosperity of the current so-called property market with the method of backing the house. Finally, all the risks are pushed to the bank. Now the government wants a soft landing in real estate. Only on the basis of finally supporting the existing housing prices, for those who buy houses with bank loans. It is stipulated that the lender's repayment time is 20 years or 30 years, and it is not allowed to repay the loan in advance. The bank interest should be fixed, and the loan house should not be bought or sold during the repayment time. Only in this way can we reflect that the loan to buy a house is for self-occupation. On the contrary, the black hole of that mortgage will get bigger and bigger. If the house falls by half a day. People who actually buy houses, people who use bank loans to make a 20% down payment. Buyers who have been paying back for less than 7 years will not pay back to the bank. What will happen to national finance? The government can be imagined. Secondly, there are intermediary fees charged by the intermediary according to the proportion of the total value of the house. Then these house appraisers who serve the intermediary will only overestimate the house. The ethics of cheating by these intermediaries and the rising ethics of developers and the strong ethics of the government. It has also made today's deformed real estate. Finally, I hope that some netizens will spread my post widely. I hope to follow up the delivery. Let's expose those robberies together!

Speculators bought a 100 square meter commercial house last year, with an opening price of 5,000 yuan/square meter and a total house price of 500,000 yuan. 80% loan, down payment100000. A few months later, they fired the house price to 8000 yuan/square meter. Worried that no one will buy it? They're not going to sell it at all! -They sold the house to themselves! (in the name of another person, of course). At this time, the total price of the house was 800,000, the loan was 80% (640,000), and the down payment was160,000. He sold the house to himself by refinancing (or repaying the loan in advance) and paid the income tax on the difference.

At this time, let's take a look at what the result is: this person earned a house price difference of 300,000 yuan (because he used the bank's money to pay back the bank's money), minus the second down payment of160,000 yuan and a little income tax, and it has already earned140,000 yuan. And at this time the house is still in its name! Its only burden now is to repay the loan of 640 thousand, plus interest, which is not a small sum. But what does it matter? If the loan can't be repaid, the bank will take back the house. ! It still earns140 thousand. 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 house purchase contract), then it will at least get back the second down payment160,000. Then it will make a net profit of more than 300 thousand this round. Of course, there will be some transaction costs, but it is insignificant compared with the house price.

The question is coming:

First, can they speculate on 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 opening. Through this internal subscription, developers will know how many real buyers there are. According to an uncomplicated algorithm, they know how much the house price has been speculated and there are real buyers, so they can decide how many houses they can leave for safe speculation. In most cases, they can earn at least the amount of the hype sold to them (corresponding to the above140,000) without giving away the clues, because there are real transactions that cover up this fake transaction. In this round, there are two direct victims, one is the follow-up buyers, and the other is the loan bank; The former wants to get a habitat at a much higher price than the pre-subscribers (in fact, the pre-subscription price has been speculated up to now). They have been put on a heavy chain by developers and speculators for most of their lives since the time of buying a house, and they have been hobbled on the road of life, and they have been enslaved all their lives; The latter (bank) will take a bigger risk: if the real estate speculators are unable to transfer the house to the real buyers again, then this will cause a bad account-the speculators (developers) have taken a lot of cash from the bank, leaving the house that cannot be transferred, and more importantly, you have no way to recover the cash, because this process seems legal. The false mortgage amount of 600 million yuan in Senhao apartment was exposed, not because the hype was too harsh and the amount of funds was too large, but because they diverted the speculative funds for other purposes, which led to a rotten tail. If they used part of the huge fraudulent loan funds for the completion of this property, the hype would be safely blocked and become another invisible black hand of rising house prices-everyone could only see the soaring house prices, but could not see how much property fell into the pockets of developers and bank officials.

Second, are bank personnel so stupid?

Answer: No. The reason is that developers and bank insiders may collude, and some bank insiders who participate in this operation never want to make money for the bank by paying the loan interest by the buyers. Frankly speaking, they may be involved in sharing the stolen goods-China real estate developers know how to feed them. Therefore, fundamentally speaking, they steal ill-gotten gains together with developers and pass the risks on to the national banks, while the real buyers pay the bill. Once the real buyers can't buy this huge order, the bank will have a crisis. At this time, the people of the whole country will pay the bill, and the state must inject capital into banks to eliminate bad debts. Where does the national money come from? Print money! What was the result? Inflation, soaring prices, old people's money is worthless, or people's money has been robbed, who robbed it? It was robbed by the state to stop the leak, plugging the big hole eaten by some officials of developers and banks. This hole is so big that it is an ugly scar if it is blocked, and it will always hurt the people.

Third, why is there such a thing in China?

Answer: corrupt officials. China's strange, bizarre, disgusting, sad, angry, bored and helpless things can all be summed up in these two words. These two words, academically speaking, are the personnel system. In China, there is some truth in saying that officials are not greedy, although it is overdone. The reason is that you can't be an official at all without prior investment. Is there any reason not to be greedy now that you have spent all your money to climb up? Law is sometimes a joke in our country. The court is also run by go-vern-ment officials. If you don't revolve around him, you won't be an official of the court tomorrow, and how did you get the official position of this court? It goes without saying! Therefore, under this personnel system, a hotbed of corrupt officials is formed, and bank officials face money directly, which makes it more reasonable to attract corrupt officials. Everyone knows that in any place, the most magnificent things are banks and taxes, not to mention being an official in it, and it is enviable to get light energy into it.

Fourth, does real estate promote the national economy?

Answer: yes; Very big. Developers/speculators and banks will speculate on housing prices, which will lead to extremely high housing prices, but people must have a place to live. ! In order to buy a house to live in, everyone can only work hard, which objectively promotes the development of the overall economy. However, although the economy has developed, the distribution of wealth created is seriously misplaced: the vast number of hard-working people find that the speed of earning money can't keep up with the rising speed of housing prices. With the applause of the country's economic development, people are gaunt and gray-haired in their early years. They looked blankly at the rising house prices and were at a loss; They don't know that real estate developers and bureaucrats are squeezing their sweat and blood little by little.

5. Is there anything we can do?

Answer: Yes. House prices are out of control to this extent today, and there are still captive experts who come out to defend themselves at the top of their lungs, saying that high house prices are a normal market economy phenomenon. And some people who don't know the truth (except individual speculators) are also scared by the rising housing prices, preferring to be shackled in order to have a place to live, so they subscribe for a new house, that is, they are ignorant. Once the subscription is successful and the house price is rising again, it seems that the house has not been paid for more than 100 thousand, and it seems to be a big bargain. Actually, you go and sell it to see if someone really cares about you. In fact, you unconsciously acted as accomplices to some developers and some bank officials, but also as victims, and you were still complacent there! You just suffered less. You were punched, others were punched twice, and you deserve to be happy? Really, I can only despise you, because it is you who rushed to get this punch, which led to other people getting these two punches. If we don't participate in the subscription, I believe they can't speculate, and they can't grab social wealth naked. Therefore, I appeal to you, and I hope you: don't participate in any form of subscription, and don't rank any number.

Up to now, some developers and some bank officials have seized a lot of wealth, house prices have climbed, and the house price bubble has become a reality. What we have to do now is to burst this bubble, and we refuse to build our miserable enslaved Yi life on this huge bubble. Therefore, I appeal to you and let you know 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 we do this, it will only take half a year to a year, and these insidious developers and some corrupt officials in banks will show their true colors: first, there are a lot of bad debts in banks, and serious economic problems in national banks. If this problem is not investigated, it will seriously affect the real interests of other interest groups (remember, there are many interest entities besides developers and banks). Once the national economy on which they depend has problems, these interest groups will react strongly. 7. They will use the judicial organs to intervene in the tracing of bad debts, forcing bank officials to be tried and give up the inside story of bribery, and then trace it to the developer who paid bribes. Traditionally, these developers jumped up and down, and began to buy and trace officials with their blood. However, because these officials represent the interests of more groups, most unscrupulous developers will face despair. Some illegal wealth will be recovered (if they have not been squandered). More directly, house prices will tend to be basically reasonable.

What is a reasonable price? People who work hard with their hands-they are the real creators of social wealth, they can afford housing, loans won't overwhelm them all their lives, they can still be in the mood to tease their children after work, and they can show a little smile on their way to work ... These are all basic living standards, but they have been ruthlessly destroyed by developers and bank officials. I wonder if anyone has reprinted them, hehe.