Most people think that Wenzhou people and Shanxi people bought it at the market price after the opening. Then you are wrong, the real estate speculators know the weakness of developers-lack of money! The intervention of huge amounts of money will make developers shine at the moment and feel dizzy.
Because, to be honest, it is far from easy to borrow hundreds of millions or billions from banks. Real estate speculators, that is, rich people form a group to provide huge amounts of money to real estate developers.
Purpose 1: to help real estate developers maintain and expand their own aura. The real estate industry is always at the forefront of wolves. If you don't advance, you will retreat, or you will die.
Goal 2: make the price of urban housing (including commercial and residential) soar, and completely activate the psychology of consumers to buy up and not buy down.
Goal three: revitalize the capital chain of real estate developers, so that the difficulty of huge bank loans can be gradually digested and decomposed into rigid property buyers and the middle class (mostly bank loans).
In fact, investment buyers can be said to be eating bones lost by others like dogs.
Obviously, the real estate bubble is caused by four conditions: 1, ignorant government policies, 2, greedy commercial banks, 3, unscrupulous wealthy class, and 4, naive Chinese civilization (settling down is a symbol of adulthood).
How much is the top secret second house worth?
Whatever you say it's worth! Since buying a house is an investment for everyone, small or large fluctuations between its price and cost should be regarded as normal.
It is not normal not to go up or down. The faster it rises, the more it should fall.
What the public expects is: 1, the rich should have social morality and should not contribute to high housing prices; 2, the national policy should be clear, you encourage high housing prices is contrary to narrowing the gap between the rich and the poor; 3. Commercial banks should provide services for the development of science, education, culture, health and manufacturing related to the fate of the country, and cool down the enthusiasm of the virtual economy.
Three hidden rules of top secret real estate industry
Collusion between officials and businessmen has become a major event. It is difficult to move without collusion with officials (at least the top leaders of all the competent departments involved). If you want to collude with your feelings, you can't talk without moving.
Shantou is essential. Either it is the banner of overseas investment (in fact, it is tiger skin), or it is the origin of Zhejiang and Fujian rich people. The larger the displacement of Mercedes-Benz and Porsche, the more appealing they are, and the more aggressive the brochures and slogans are, the more moved China people are.
Grasping opportunities is a master. National land policy, bank loan policy and urban planning plan have always been the masterpieces of China's weak IQ, low-level government officials, economists and financiers, with outstanding achievements, short-term effects and full of contradictions, which is promising.
There are many financing channels. If you have the conditions, you can go to A shares to cash out and come back to be "bigger and stronger". Folk hot money should not be underestimated. Real estate speculators are a typical example. Tens of millions and hundreds of millions of cash are sometimes as expensive as spring rain for developers. At that time, developers can even kneel to the real estate speculators (top secret). As for profiteering to the real estate speculators, they have already seen it upstairs.
The real estate industry makes a fortune by tax evasion, which is a holy land for money laundering. Very simple formula: total real estate sales-(land premium+construction cost+water and electricity supporting expenses) = gross profit.
Paying about 50% of various taxes and fees is pure profit.
You can make a big fuss about the project cost: it was originally 1 1,000 yuan/square meter, and you can collude with the boss of the construction company (top secret) to sign the statement of 1, 800 yuan/square meter. The excess 800 yuan/m2 is returned to the developer through the account of the construction team or in cash, and the construction tax is only about 3.4%, at least 30% can be avoided. Money laundering and tax evasion are inseparable.
I really don't think it's enough. I can use the guise of "sending 200 thousand fine decoration" The principle is the same as above
Top secret four talks about retail real estate speculation
The case is as follows:
1 and 1 10,000 yuan down payment of 30%, 1 10,000 yuan mortgage three sets, with a total price of 3 million yuan and an expenditure of 900,000 yuan.
2. When the house is delivered two years later, 3.5% of the house maintenance fund and deed tax will be paid on the same day. In two years, the bank loan of 300,000 yuan has been returned. When you received the house, you had already spent 6.5438+0.305 million yuan.
3. At this time, the house price has risen by 20% for two years, and the total price of your three suites in the market has reached 3.6 million. Through your listing in the real estate agency, you may be lucky to get rid of all 3.6 million yuan and make a profit of 295,000 yuan.
4. Actual profit Compared with bank deposits, the interest of the two-year bank deposit of 6,543.8+0.8 million yuan can reach 6,543.8+0.2 million yuan (the interest of large deposits is high), and you actually earn 6,543.8+0.75 million yuan more than bank deposits.
5. If the intermediary sells your third suite within 1 year, your actual profit will be 35,000 yuan less than the deposit interest (more than the one-year mortgage10.5 million yuan).
6. If it coincides with the national real estate policy regulation, or has been greedy for five years, you can calculate it yourself. At that time, you will be dead. Not just an idiot.
At that time, the bank would send you a letter every day to urge you to repay. You really can't stand it. You sold Li Xia's car, married your 16-year-old daughter early, and even your wife will go to the streets of Guangzhou to help you make money and pay off your debts. Maybe you'll jump off a building. Even if you don't jump off a building, the court will lead you into a dark room. If you jump off a building, it's a real estate crash in China.
Top secret five, let's talk about real estate speculators.
where is the money to come from?
Shanxi coal boss: illegal exploitation of national resources, cheap use of labor, poor mining equipment and safety technical measures, joint efforts to drive up coal prices, and extremely rapid capital accumulation.
Wenzhou Hakka: Born in an uneducated self-employed, small workshops copy international famous brand products and set up sales outlets all over the country (especially in remote and backward areas in the west). Spring River Plumbing Duck Prophet grasped the market economy situation in the early days and made amazing profits. Large funds move tens of millions, hundreds of millions and billions.
Fujian Guest: Before the real estate boom (before 2005), almost 70% of the highway, railway and power station tunnel projects in China were monopolized by Fujian people. They squeezed the blood and sweat of migrant workers by improper means and got the opportunity to enter the construction enterprises of central enterprises in China (to put it bluntly, they invested in the leaders of central enterprises), which developed rapidly. You know, the capital flow of tunnel engineering is huge. For example, a project with a total investment of 300 million yuan and a profit of 50 million yuan, the most stupid Fujian boss. In addition, the smuggling in the early years can make famous women like Yang Yuying throw themselves at each other, which shows that the speed of smuggling capital accumulation is also very rare.
How big is the profiteering of the top secret six real estate speculators?
Take the upstairs building as an example, we secretly agreed with the real estate chairman in advance to snap up a huge number of houses (at least 300 sets) at 2200 yuan/square meter, encourage the market price to exceed 7000 yuan, and support 10000 yuan/square meter, and cooperate with the sales department to gradually sell and gradually withdraw funds. Under the current policy situation of China municipal government, the slower the exit, the greater the income. How big is it?
When the average house price in second-and third-tier cities reaches 1 ten thousand yuan/day, the income of real estate speculators can reach 500%! The real estate speculators pounced on one city, but all the buildings at the same time. In this way, the soaring housing prices in a city have become a fixed trend! Taking Hainan Island at the end of last year as an example, real estate speculators can make Hainan's housing prices one price a day and one market a night, creating one real dream after another!
In fact, most members of the real estate speculators have not finished high school, and their names are crooked. The technical content of real estate speculation is really low, really low. Addition, subtraction, multiplication and division are enough, even without weighted average. Not to mention all kinds of authoritative CPI, PPI and GDP. I invested some money. How much did I earn after three months? How much money can you earn after six months? /kloc-how much will you earn after 0/year?
Top secret 7 will real estate collapse?
It is impossible for China's housing price trend to follow the Japanese crash schedule. Say this, forget the most crucial point-China is a great socialist country! What is the concept of collapse? House prices collapsed and China was in chaos.
At that time, it was not clear whether the RMB would appreciate or depreciate. In any case, banks will fail, but it is difficult to withdraw deposits. 30% of central enterprises closed down and 60% of small and medium-sized private enterprises disappeared. However, house prices must fall, and 30-40% is not too much. At this level, banks still do not lose money. Buying a house for personal use has little to do with this. Those who want to buy a house must be beaming. It is reasonable for real estate speculators or retail investors to make some contributions to the country and society.
Top secret, eight housing markets, four fools
1, the psychology of buying up and not buying down at home is a big fool;
Don't think it is convenient to buy a house and get a loan from the bank. The bank's repayment plan is to recover most of the interest in the first two years. This bank is greedy and unreliable. The loan of 654.38+0.8 million and the repayment period of 25 years are the two biggest idiots;
3. If you are an urban hukou, there is no need to move your hukou. Buying a house now is a big idiot.
Those who buy a house and live in it are called "house slaves", and they have to pay it back in the last life and the next. "When they come out to mix, they always have to pay back." Pay back thousands of dollars to the bank every month, and your life will be far from quality. It is three fools for urban residents to buy expensive houses;
Some people say that it is a sign of a man's success to be able to afford a high-priced house. I want to say here that all the people who buy high-priced houses are four idiots.
Suggestion: If you really want to live in the city, renting a house (of course, a stable rental price and lease period) is the best choice.
Do you know what a house bug is?
In the north, everyone who practices stalls in the street should invite some friends and brothers to join in, which will create a crowd. The name is "child care". The "child care" in the real estate industry has a special name called "houseworm".
1. On the opening day of the property, you have to buy a house and queue up to buy a number. You may be ranked 500th. However, when you finalize a house and sign a contract, you will find that your contract number is 0030.
Are you clear? Hundreds and thousands of people queuing in front of you are all "houseworms" invited by others with tips!
2. There is also a "houseworm", who really paid the deposit and signed the contract. But 1~3 months later, once the house price soars, they will check out in batches. They are playing "fake ball", and the real purpose is to pass the ball to the rigid buying group. Of course, there is a key difference between their contract with the real estate boss and your contract: there is no 5% penalty for checking out!
Of course, the deposit when buying a house is given by the real estate boss in advance. Also, don't be busy. Every Cao member has a "hard work fee" of 5,000 ~ 20,000 yuan to participate in this ascaris activity. Can you believe it?
Top secret 10 How many people really care about housing prices?
1, government officials: care about their own careers; Pay attention to industry achievements; Concerned about the GDP of this region, the more Wang Yue can be created, the more prosperous the local economy will be.
2. Commercial banks have been worried about whether the task of monetary loans can be completed. The more you borrow, the more you get. Deposit reserve or trade deficit is a matter for Beijing headquarters (each commercial bank has at least 5,000 municipal branches in the country, so you can master the specific small policies flexibly).
3. Economist: That is, studying for a doctorate, evaluating the professional title to the level of full professor, and writing books for provincial and ministerial publications. Naturally, you have to go to the so-called "development research center" to work 8 hours a day, and you should pay attention to your health in your spare time, otherwise your hair will fall out. It can't be ignored that a considerable number of economists have been attached to consortia, and some of their views are held in order to earn some small interests.
4. The rich class (the liquidity alone exceeds RMB 5 million): they have no passion for the house for a long time (they have a luxury house for a long time).
5. Middle class (the fixed capital exceeds 654.38+0 million, and the working capital is less than 654.38+0 million): They may participate in stock speculation and real estate speculation, and soon become rich or poor.
6. The poor class (office workers or individual owners, family monthly income below 1 10,000, deposit below 65,438+10,000): rigid consumer groups, sensitive to the rise and fall of housing prices, strong demand for improved housing, and loyal house slaves.
7. The poor class (the family's monthly income is less than 3,000, such as employees of enterprises that are about to close down, young college students who frequently quit jobs, farmers and migrant workers, and their savings are less than 20,000): It is almost a dream for people who have food and hunger to buy a house in the city.
8. The poor class (the total monthly income of the family is less than 1000, there is no water to eat in the drought, and it rains all night in rainy days): it is the object of government relief. Listening to buying a house is like listening to a sealed book.