1、現在為什么要炒房（Why do you want to buy real estate now）Now why the real.Txt fashion, that is, the annual salary of eight thousand of people look like annual salary of one hundred thousand. We always ask men to have the same looks and abilities as fathers. You can meet a person in one minute, one hour to li

2、ke someone, and one day to love someone, but it takes all your life to forget someone.About real estate this emerging term, is accompanied by the development of real estate investment behavior. As a result of the policy impact, the housing market has risen, some people took the opportunity to hoard

3、housing, change profits, this kind of special investment behavior is called real. Real estate is a product of the market economy to a certain period, but it can not be applied to any legal definition known to define.Cause analysisSummaryReal estate behavior is the product of the real estate bubble e

4、conomy. The reason is that some local governments, behind the scenes to become land speculation, moderate starvation policy makers and implementers, and land development for the participants of the transactions. Some local governments in flagrant violation of national policy, as they operate in the

5、real forces. Although not sure, the biggest behind the scenes real estate is local governments, but the local government is absolutely the core part of Chinas real estate, and developers are the real big army winner. A variety of real estate behavior is the result of the joint effects of various fac

6、tors.Blame the governmentThe only place on which local governments actively promote economic growth and be able to control them independently is the core of land. This means that the greater the expansion of property, the greater the income of local governments. At the same time, its cost is still z

7、ero, because the reduction of land, bad debts of banks, resources failure, almost no local governments to assume the ultimate responsibility. The local government as the biggest beneficiary is to blame, because the beneficiary, in a stable prices work in a series of instructions to strengthen the im

8、plementation of the country, rising prices or covertly played up the role, thus to provide real political environment, or a hotbed.Developers are the initiatorReal estate developers have often been the senior accountant headhunter recruited, herself developers do figure needs to be known accounts of

9、 the development costs will amount to increase. It earned one hundred million of the market, can be processed into earn only forty million or less, causing prices to the outside world increasingly high cost to raise the price of the illusion. There are developers take more direct tactics such as pro

10、perty hoarding, up to the shortage, arrangement of workers queuing false prosperity illusion. Some developers and between developers and vendors, between sellers and intermediaries between the conspiracy to create false information, mutual joint bidding, layers of overweight, benefit sharing. On the

11、 other hand, the price alliance in the so-called pricing strategy is a manifestation of almost all new projects opened, will be sold or sold to neighboring houses as reference pricing, bidding against each other.In fact, the speculators purchase has a law, it is just a new project to put a price the

12、y will offer, because they always appear to group purchase identity, so it can get relatively low prices. Basically looking for a project in the very good housing, whether it is area, direction, number of floors, are many property buyers most want to get. This house appreciation rate is the fastest,

13、 the biggest appreciation potential, easier to change hands.Now talking about real, we have to mention Wenzhou people, first of all, let us first look at the Wenzhou real mission of the customary means.At the same time orders, when real person to buy multiple sets of property, he will face a higher

14、down payment ratio and mortgage interest rates. Therefore, the real once decided to buy multiple sets of real estate will be the same day, due to the banks credit system can not be updated in real time, every set of real estate real estate purchased is regarded as the first set of real estate.No rea

15、l estate developers do not charge the house, but only hang a name, indicating that a set of properties have been sold, and other housing prices, buyers will sell property, earn difference. Such buyers are often interested in developers.Buy - sell from developers launched employees and friends with a

16、 mortgage to buy a house, once the bank loans to developers, by developers to control the sale of the property buyers turned to second-hand housing in the form of. This will not only help developers to withdraw funds, but also help to maintain prices at a higher level.? Yin and Yang contracts in the

17、 secondary housing transactions, such as the real purchase price of the contract for 1 million yuan, the contract made 1 million 500 thousand yuan, 30% Shoufu, originally from the bank loan 700 thousand yuan, and now it has become 1 million 50 thousand yuan.There speculators purchased a 100 square m

18、etres of commercial housing last year, opened at 5000 yuan / square meter, housing prices 500 thousand yuan. loan 8, down payment 100 thousand.A few months later, they pushed the price to 8000 yuan / square meter. Are you worried nobody will buy it? theyNo plan to sell at all! They sell their house

19、to themselves! (of course, in the name of another person). Then the house total price is 800 thousand, loan 8 into (640 thousand), down payment 160 thousand, through the transfer mortgage (or early owing on the loan way), heSell the house to yourself.This time, lets see what its like: the man earns

20、300 thousand of the house differenceGo to the down payment 160 thousand for second times, and it has taken 140 thousand, while the house is still under its name! Its the only one right now the burden is a loan of 640 thousand, plus interest is a small sum of money. But what does it matter, big or no

21、t?No, I cant afford the loan. The bank takes the house back! It still earns 140 thousand. If its still available, buy itLord, even if it is sold for second times (usually higher, it will show you the buying price on the purchase contract),Then it got at least second down payments 160 thousand times.

22、 Then this round it down a net profit of more than 300 thousand. Of course，There will be some transaction costs, but it is negligible compared to the house price. here comes the problem:1. Can they raise the prices so high?Answer: yes. The fundamental reason is that the developers own main participa

23、tion in this activity. General butWord, developers in the formal opening before there will be an internal subscription, through the internal subscription, developers understand largeHow many real property buyers are there?. According to an uncomplicated algorithm, they know how much house prices hav

24、e been fired Yes buyers, they decide how many houses they can keep for security hype. In most casesBelow, they can earn at least the amount of money that is sold to themselves (corresponding to 140 thousand) without leakageThis is because the bag, the real deal will cover off the fake transaction. I

25、n this round, direct victimization there are two, one is followed by property buyers, one is the loan bank; the former should be much higher than the initial subscription price to get a habitat (in fact, up to now, the initial subscription price has also been raised), they are from the purchase of t

26、he the majority of the time, the developers and speculators have brought a heavy chain, hobbled walk in the road of lifeOn the whole, they have been slaves for the rest of their lives; the latter (banks) will bear a greater risk: if the real estate did not have the ability to house transferred to th

27、e real buyers again, so it will cause a bad debt - speculators (developers) youve taken a lot of cash from the bank, left a house that you cant change hands, and more importantly, you have nothing to do go and recover the cash, because the process is legal. Apartment false mortgage amount of 600 mil

28、lion yuan was revealed, not because of speculation is too hard, too large amount of money, but they will be fired by the diversion of funds caused by it unfinished business, if they will be a large amount of money to cheat the loan funds for the completion of this project, the speculation will be sa

29、feThe ground is shielded from another invisible hand that has risen in price - we can only see prices soaring and we cant see them how much property falls into the pockets of developers and bank corrupt officials?.Two. Are bankers so stupid?Answer: No. The reason is that the developers and the inter

30、nal staff of banks collude with each other to participate in this project the bank clerk who operates the bank is by no means willing to pay interest on the loan by the house owner, frankly speaking,They are participating in the spoils - China profiteer is to know how to feed their. Therefore, funda

31、mentally speaking, they are associated with developers steal ill-gotten gains risk to the bank, the state, and the pay is the real buyers. One once real property buyers cant buy this huge single, the bank is in crisis. At this point, the bill is the countryThe people, the country must inject the ban

32、k, the elimination of bad debt. Where does the countrys money come from? Banknote printing! What is the result? Inflation, soaring prices, the old hundred of the money is not worth, or that the peoples money was robbed, who? rob? National snatched plugging, plugging hole boring out of the developers

33、 and bank officials. The hole is so big, stop it, also an ugly scar, and the pain is always the people.Three, why is there such a thing in China?Answer: official. All sorts of strange, strange, disgusting, sentimental, angry, boring and helpless things can be done in China comes down to this word. T

34、his word,To speak academically is to do something about the personnel system. In China, there is a saying that there is no official without greedReasonable. The reason is that without upfront investment, you cant be an official at all. Since under the original capital climb, has no greedWhy? Law is

35、a joke in china. The court is also a government official, you dont turn around himOn the day when you can not the president of the court, and the courts position is sent much ceremony to get this.No, I havent earned it yet! Therefore, under this personnel system, the officials are not greedy, and th

36、e bank officials are direct facing money, there is no reason not to be greedy. Everyone knows that any place, the most impressive are banks and taxes service, not to mention an official inside, light is mixed into an enviable thing. The black of the bank is visible;Officer - Liao disadvantages, at a

37、 glance.Four. Does real estate contribute to the national economy?Answer: Yes, very large. Developers / speculators and banks will raise house prices even though they lead to house prices in the sound, people languish and grow grey. They looked at the rising house prices blankly, bewildered;They don

38、t know profiteers and the bureaucracy is a little bit to squeeze their sweat and blood.Five, I know that housing prices in the countrys vigorous regulation, why not continue to rise?Price bubble has become a reality. But under the constant control of the government, the bubble will continue to expan

39、d steadily over the next few years,Because you know what is called regulation, and what is the means of regulation? Dont be fooled by all the packaging. You see: what is the reason for the rising house prices?.Fools know why house prices keep rising because fools think by reason.Smart people around,

40、 from this point of view, from this height, but also macro and micro, and finally their own halo. Sigh: prices are really rising too fast, but I can not tell the real reason, their set is called rational thinking.In fact, the reason is obvious.The pig home population multiply too much, the need to i

41、ncrease the pig, the wolf know, tell the pig, not to build, can only buy a house is built, bastard, first paid the wolf, and a little money to buy land, build, sell pigs, pigs can not afford to buy, said the mouse. I lend you the money, you still so slowly in the pig, pig, mouse began to work, but a

42、lso due to too much, the pig house scared of the whelp, wolf, pig numbers have shrunk as this will not eat pork, and ordered the regulation. After that, it goes round and round.Here we must recognize the Chinese characteristics of the real estate industry. In China, a house is never a mixture of san

43、d, bricks and steel. More is supported by capital, especially power. This characteristic has decided, if only according to the economic viewpoint analysis, the real estate is must fall the eye.High priced housing is an important tool for squeezing out the sweat and blood of the people. As long as pr

44、ices are loose, government officials and private media will certainly have to save it, whether it is against the people or against humanity.Even in the history of the most stringent macro-control policy - from the April 17th introduction of the country of ten, again in September 29th issued the new

45、country five, a series of policy documents to nearly two months of intensive introduction of various ministries, and then at the end of November, 15 city has successively promulgated the rules for the implementation of the implementation of the two national regulation, many aspects of the purchase,

46、the implementation of differentiated mortgage, increase housing supply and low-income housing construction to make the provisions of the national commodity prices are still climbing slowly. Beijing took the lead - November housing sales price rose 9.1%, higher than the national average of about 1.5

47、percentage points. Meanwhile, Beijings CPI rose to a 26 month high in November.This is a message of disappointment for the broad masses of the people.Some real estate experts even said that the price is a big trend, the overall warming, it is estimated that the most likely party in the second half o

48、f 2011.Unfortunately, this may be true - combined with excess liquidity and the current situation of the local fiscal system, which is not only a reservoir, but also a magic weapon for local governments to achieve their achievements and solve their eating problems on the basis of growth. But Beijing

49、, Shanghai, Shenzhen and other places will slow down,To wait for the two or three line cities quickly followed up.From the policy level, in 2011, credit, land, taxation, three carriage must be at the same time on the road. Short term can inhibit prices - this is somewhat similar to the government to

50、 suppress the price of agricultural products, but in the long run.Therefore, we should not misread the macro-control policies.Because the property market about the strength of the property market does not really hope. So far, no official voice has said house prices will fall.Future policy, housing c

51、onstruction substantial growth and commodity prices steady rise is the main theme.This is the commodity prices will not fall for several major reasons:1, the land will be the new accelerator, as commercial housing land reduced, but led to higher commercial housing values. There may be a brief drop o

52、f one to 20% in the first tier cities, but the two or three tier cities are sure to rise steadily.2, banks at all levels can not afford bad debts, huge bankruptcy pressure, the inevitable curve save the nation, through various financial means to secretly prop up the property market.3, the public fac

53、es inflation expectations, the lack of investment banking channels. Housing is the only reliable thing. Inflationary pressures, in a lip-service, pay social security is not perfect today, the impulse will make money speculation in personal assets security value.4, urbanization brings huge demand. Ch

54、inas urbanization rate is now less than 5. There are now 120 million people living in a pendulum. Chinas per capita land resources are 1/9 of the United states.5, property tax will not be levied smoothly. Shanghai to become the property tax pilot units, but promote the great resistance. First, the d

55、iagnosis is difficult, two is the proportion of levy, levy difficult to determine, three, the most critical is the collection process, with the anti-corruption work necessary - - there are a large number of house owners, many party members and cadres.6, perhaps the saddest point - most of the public

56、 can not benefit from a slight fall. Shanghai urban property market fold 40 thousand per square meter, down 20%, the public can afford it? Now the public is looking for a fall, rising from discontent over land policy, shady housing development and resentment over vested interests. The mood could become a public opinion, and the rest of the deep social contradictions together, seriously influenced the stability.In short, the macro-control is the most urban sandwich layer created for the final possession of their own commercial hou