Buy a house and renting , Lang differentiated you

Buy a house and renting, Lang told you the difference between there, how to pick natty people!

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renowned economist in Hong Kong - China Lang
99% of the white-collar workers and their families will face bankruptcy. It is inevitable bankruptcy! Run away! It may happen in the next 2-10 years. You can try to mistrust this diagram. But it is jump to happen, not alarmist. 'As I prophesied the inevitable unemployment Chinese state-owned enterprise workers, as in that time no one believed. But it does happen. Because in China,Large exposure !, a formative country, with the inevitable in order to keep inflation and reform measures in exchange for economic development. And each time the pains brought about by the reform are the people to supply. When either the countryside and mountainous areas of the literate youth were disturbed, or large state-owned enterprises reform and opening up have brought about a large number of laid-off workers close down. If they can have a certain forward-looking, then I think they might stay a little way out for themselves. However, deserving to too much too believe that life will not document and mutation, so that led to the misadventure of their lives.

Some say the government will not sit idly by pearly bankruptcy, the Government has of course not. Some things ... ... how can I say. I think back to the laid-off workers now. Caused so much social unrest. Can do? Today's white-collar future bankruptcy, they also did it.
and 20 years of reform and prologue up, China's rapid economic evolution take off. But the old system is not entirely changed. Variety of important industry is still in force is a government monopoly system in action. Such as: banking, finance, metallurgy, stamina, message, transportation, health concern, education, and land. China's reform and beginning up of these things were not all appearances of the reform and opening. But today, the contradictions brought about by the monopoly is increasingly prominent.
bear the brunt of that real estate. As China's lawful system is not faultless, especially the field of finance and reform, a great many mistakes made by the emergence of real estate has been rising. With the increase in real estate and the concentration of foreign population to the cities. Therefore, the new urban workers is the so-called 'white-collar workers' income is rising on the surface, to Beijing, for instance a monthly salary of RMB 3000-15000 everywhere. But this part of the income is chiefly secondhand to pay rent or loan. In order to thoroughly understand why
99% of the white-collar families may go bankrupt, we must first know why housing prices so high? Where high? Funds are featuring? (Where white-collar families that buy a house or preparing to buy a house.), And the trend to bring the related effects. This will be unraveled to you in three stages.
1: cause prices soared in the first factor: Bank loans under the open rivalry.
fact, the cardinal ingredients in house prices soared because of the people in behalf of the Government pay for the mistakes. Such as a developer before a bank loan by a 10 million development of a house. If not since he got in trouble because all the banks are a system, you owe the money did not also no chance to turn around. But China's banking reform on the basis of a hole open to competition among the banks so the ICBC, the Agricultural Bank of China, Construction Bank and so on all manipulate independently. It would have been a good thing. But the problem is that these banks are not personal, but the state. Is not difficult to dream. When a developer from the bank loans 10,000,000 consequences. He only need 500 million to develop a house, then the price increase, then the development of the price of a house according to his standards of mortgage loaning to 20 million from the Agricultural Bank of China, and then use that 20 million of 10 million development of a sets the price higher mortgage the house to find 40 million Construction Bank. Is such a crazy borrowing prototype snowball.
house Maibu Mai to go out is not major, the opener is the price is higher, not lower prices. Anyway, money is not a private bank, so a little bit to clear the President attach with different 'legitimate' high retail price of real estate as collateral so naturally getting better and better from the bank loan.
then this result is that house prices do not just mount down! Because they can not fall! Out a bank loan or money to never come behind. This is the Government's bank, the Government's money! So in order to plug the funding dark aperture is to buy some of the specialists, media, public opinion began to madness by various manner of coercion of public opinion were to buy a house.
such as land resources, severe tension, do not buy a house in the future can only live in the suburbs Yeah like that. Cause people to must buy a house. In fact, can not live in this city simply can not happen this situation, the city residents is a process of replacement of old and new, to work to live in the city, the elderly live in rustic areas like retirement. As long as the population burst will not arise on white-collar workers do not live in the city center can not be the case. While the media has created a lot of people buy a house, but only so, prices are still not high as it now is crazy. Then the Government made a second fault.
2: cause prices soared in the second error: a mortgage with Chinese specifics.
mortgage was originally a very fashionable system in the West, and very suitable. However, the use of this system to China once a little problem. Because for large institutional. All banks are state, not private. Therefore, the doorway can not control lending firm. As long as the document makes sense, people will be able to honor the money.
early relief to the first mistake caused by money black hole. The Government introduced the system to individual mortgage houses. What is also constantly citation the United States to his wife and the Chinese woman's sample to bait people to the mortgage. It was absolutely the mortgage, and it is crazy mortgage. And banks at a time a little 'road' people. They premier set of 80 million house mortgage, your down disbursement and then a 10 million 70 million loan from the bank. Then after the house marketing to raise prices to 1.8 million. This time their relatives or to go buy I Met Your Mother, but also with the way the mortgage down payment of 30 million own a further 1.5 million loan from the bank. Then go on. They do not how to do the loan? Love Do not count bank. Anyway, I do at present under compact on the money you can take the house, we owe the 2 conflicting.
so turned around, driving up the price of the house several times back in the hands of the government back to the bank. This explains why a lot of repair to the starting of new flats to be 'real estate group' bought. Speculation is not gambling their house will laud. It took a house to clean up the banks.
banks how to do to get this house? Are afraid the price. Had to add some merit and then sell. So do not even think about ordinary people now buy a real house at rational prices! Even if you bought directly from the developer of the hands of the houses might have switched hands several times back in the hands of the banks and developers. To say someone is 8,000 / square in the house, there is only 2500 prices, 5500 is thought to bring money black hole production a wrong decision! That means you are limited to the hard working to erase.
3: The third question: white-collar families when bankruptcy? ?
then we study why the house prices up, another see at the so-called white-collar urban families in China in the essential of bankruptcy.
first foreign white-collar income is really high, but high value. The so-called white-collar workers in China is generally meager quality. Serious interior friction of Chinese enterprises. Everyone scorn, all headstrong. No wonder foreign companies entered the China market began to exclaim: 'to do business in China, not employ people! 'I am too deep. That some people would say: 'Now is not worth the worth of white-collar workers, that Mizuki Zhou Ping you can speak about why they get such a raise? 'In fact, this caused the peppery real estate a amount effect. Loss of large amount of capital banks through the hands of a few of the flow of the market. These people began to make combative investments in other areas of China. Because they kas long asreal estate is from now on collapse. They do another circular of investment rumble is quickly absorb the funds, they invest the Internet, high-tech investment, investment and entertainment,Nine women do not do something after dinner , a woman must know 9 thing !, investment many, many. But at fewest enough to pay staff wages to pay the monthly rent or house for months now. Therefore, it is because rising prices of Chinese urban population created a relative boost wages. Do not believe you do the math in your average income of urban white-collar workers once completed pay monthly housing money, but also so much money on hand? I think it would not have me ramble on it. Psychological several people. So I can say thin a little while the real estate break that followed the collapse of your wages.
I know many, many white-collar workers who have purchased the house. Their thinking is simple: 'couple all taxes except web income per month is also the insurance of 12,000. What kind of housing money to pay 3000? I can buy a set too! 'Yes, nothing. But because the house so what you are expensive. You eat, your traffic, your tuition fees, medical costs and more expensive! ! ! So the money you pay the room again besides the cost of alive is basically a penny to save for it, even now the storeroom point is also not reserve up with normal inflation rate. The question is will preserve the status quo if so, in theory, should be all right. You two decades earned money just to make up for the wastage of two errors.
But the problem also lies in here. As of the end of the buffer WTO5 years, a great number of foreign communications, banking, medicinal, insurance and so companies will have moved into China. At that time no one can stop you put money into Citigroup, HSBC deposit. That time to ask who would be compliant to put money there so numerous bad debts of state-owned Chinese banks? How to take fathom even if the Government could then run, so what will occur when the time is still hard to say. But one thing is decisive is that when the pressure of state-owned these banks will become very great. Loans will be more complicated to add, because banks have no money to loan-to! At the same time a large number of foreign-funded companies with high-quality genius to enter the Chinese mart will bring a lusty clash and the collapse of a large number of existing undertakings and white-collar unemployment. That is. Once the foreign-funded undertakings to enter the competition, China's existing 99% of the white-collar workers will face a big job under oppression!
and foreign banks started to invest in once the amassed funds, real estate, it is normal because of their operational processes so made out of the house will be cheaper, with the unavoidable pull the citizen real estate declines. As I said earlier, housing prices have fallen, or is emulated by the business in your wages! Can you buy a house before prices will not lower repayment or rebate, so you will be incapable to pay exorbitant loan. Then your house will be taken away by the bank, your deposit will be directly freeze. So the future white-collar workers in Chinese cities are most presumable and a few decades ago as China's state-owned enterprise workers. Hard two decades, in the end 竹篮打水一场空!
how to avoid bankruptcy?
see where you should be aware, do not buy a house is a good way to lest bankruptcy. But I would also like to remind you not to try to jack up the property market down, they have a way, it is not advocating people do not buy a man child! You do not say, this is really a little achieve. People now a wharf of the first sentence is: 'do you have room. 'It seems you do not like the room is a eunuch. I am truly vexed with the strength to curse no. Mizuki weeks in Baidu also post it in this post Ping said: 'do not buy a house do you live? 'I marvel, is there a causal interlock to live and buy it? In China, a land not belonging to your house and rented out to you to sell you What is the feud? (Laughs). Not to say the same attribute and the thieves who compelled relocation of people wrong! This is not purely a 'Emperor's New Clothes' it? But since the WTO has been that China's promulgating manufacture and the media manufacture is still not open. Then public opinion will save the market and developers in the hands of the government last trump card.
so we face a lot of rhetoric, when more than half a head or your own. After a pack of lies we hear scale up property, more outrageous! For example, recently there are brick home not expensive in price when the advocate said: 'What if 5 million yearly salary, the couple is also the year of 10 million, 5 years to 50 million. So of course, price is not expensive. 'I was really startled some people nod? Perhaps for this or these have evolved to eat or nectar is not nailed and patients do not dress die dad and mother had no use for the conservation of the brick home really is that the case may be. Therefore, attention to vigilance.
Conclusion:
have to buy a house or a household of white-collar workers must be prepared to buy a house collapse as the housing collapse, it will be a slow process occurs. As short as two years or by the time ten years. But this is an irreversible trend. Therefore, China has 99% of urban white-collar family, said a bankruptcy not an alarmist! Today you pay for every housing distribution to the bank for the Government money for real estate speculators who are repairing the hole, only a small part of the room is real money. Tomorrow, the context changed, and you do not have that many money to fill the hole when the market and banks will be kicked back to the home, and then for a number of new people to fill. Do not deem? Wait and see the pictures! - PS: Why do I say 99% of this number, because along to my understanding once the every month salary of 99% over 5000 people began to buy a house, or even to buy 3000,4000. What sweethearts do not understand that this life will be wretched going to buy. I just feel sad for them. Of course, if you're that 1% of the wise men, and more to argue them to save it. Better Together unattended.
Chinese are the four largest big when
When: real estate
buy a house mean? Means that you have a house of their own. Yes, you thought so, but in China you do not own this house, you just rent it. Because the house is yours, not your land, but the land use rights for 70 years (70 years from now it was back during the War, who saw time in the house?). House is usually about 30 years old upkeep or demolition will be met. That means you spend the money to buy a house, but can only be renting the actual results. Of course this is not the worst. The worst is when a few years later, you find that cheated! A team of hooligans broke into you life savings to buy a house, drawing a big Chaizi! Then all of your possessions, like when the garbage is still out the door, antagonism your appealing, and even the newspapers also give you a fasten by a notorious family, any abuse of the public when you will know what despair!

narrated China's real estate has a prominent joke is written like this:
ago, there was a landlord there are many places to find a lot of permanent work, the landlords must cover a number of permanent consensus House, home to the day, the landlord's advisers said the landlord: club, long-term employment are a bit of money on hand the past few years, they live in your house, the monthly pay Zuzi, uneconomical, since they are never afford to live, you would put your from their places to sell them a house is called - public houses for sale! Tell them that the house belong to them forever, you can save them money back in recent years, the landlord said: Yes, that rent how to do? Advisor, said: collects no mistake, from a Japanese name of children, called the property costs! Landowners to implement quickly, and make a lot of money, long-term employment are the happy ah!
a few years, the landlord of the village into town, and the rich more and more, no place to live, advisor to the landlord, said: employer, long-term employment are the hands and money in recent years, we give them build a new house, called from a transformation of the old tricks, they alternate their money to us, and we demolished the house to build a new, and ask them to buy back, you can sell more than cover a number of others, the landlord has carried out, this time, Some long-term workers are not merry, the landlord's retainers put to use, the permanent teeth have had to beat down the larynx to the stomach, the landlord has made a lot of money.
Then, after a few years, the owner of the countryside amplified into a huge metropolis, and the rich more, the landlord of the land more invaluable, and advisor to the owner, said: union, we put these lasting houses destroyed in this place to establish villas, split out of the house sold to cover those who can acquire a amount of money of the wealthy, the landlord said: how to do long-term workers who leave? Advisor, said: we give them a little more money, shriek their places from a financial settlement, then we built our barn next to the house, from a tricks called affordable housing, they built a chariot road to permit them to buy over there chamber to live, the landlord said: how do they have ample money? Advisor, said: the banks lend from our house to them ahead, 6 points a year profits, but also with money, money, nothing if cubs, not anyone risk, the landlord has carried out, lasting they got the money, the landlords of affordable housing until now built a long-term employment they had to line up the house, until now, still waiting for it ... ...
Thus, long-term root began to make trouble, and the landlord a little nervous, hurriedly asked counselors how to do? Advisor Shui: they must advertise their long-term employment,Women bridal daytime ( girls have to penetrate , b, the house should be dripped in price, do not buy, rent to live it, just rent them to our pen, the result, so many years, long-term employment have all the money gone, still rental housing, always!

joke although a bit exaggerated, but in truth it not also true? Some people say that being the case? Why do Chinese people must buy a house? Crazy to buy? Why? Is not the result of the stupefying education, as if 60 years, advocating that people have to buy Big Three: watches, sewing machines, bikes can be a really successful people marry a wife. 70 advocate that people should buy a current 4 pieces: television, refrigerator, washing machine, setup the phone can be considered as a wife have children to succeed, like memorize to setup the phone, but to thousands of greenbacks a ah (per capita proceeds of the small town of less than 200 ), meantime tens of thousands of Beijing and Shanghai is more a time, have to take the person digit line to buy, and how to buy a house today, the similarity? Today always the shit
scholars began to fool the people of this set of the old trick: white-collar family of new criteria, new alternative for successful small size X ring X Road, X X Road, Central, advertisement and residential type. After you receive hundreds of thousands, have to charge you a monthly rent (the new management fee), bank interest, and various sorts of pleas to raise interest rates, policies and so on and so ahead. In short you are not afraid to death, but afraid not suffer you to die! Gnaw on how happy people fooled, but a hundred on the tire of it? I am really angry and get it all wet!

second when: Employment
sigh when somebody eventually started: the year when the educated teens, when people are laid off afterward not course out, not one can sit-in protest opposition the Council, can only be diluted to the avenue was also people smile by life is heroic melody compilation, start over time. Have you ever thought of! They also have the same scenery and white-collar personnel today! Income and status they had let the people nigh envy? Have you ever thought 20 years later! Like you would like them descend above the streets, deserted? !
Some say Hey! You do not know the unemployment insurance, pension insurance, XX insured it? Oh, I drift in Beijing, N years, many insurers pay tens of thousands about it, but when the Pao Duantui unemployment and no one gave me Han insurance, but many insurers have been frozen that I had to pay off, and I could and anger ... ... than that, you think you do to the age of 60 can get old-age insurance? Out of the sky without money! Today's pensions get older is that we earn! Today 30-40 years of old commonly have several brothers and sisters! Means that today's elderly to get a stipend at 60 is because there are 5 people for an antique man! And after our generation is the old one for us two old people! Money comesintoseffect? Did not must! If you are competent to live to 90 years old can receive a number of stipend estimates, hey a standing ovation it to you. But even so, parents are still mad for the children to the various units in the state-owned enterprises to bring, to me to always have such an example. A distant relating of my home, find the relationship between tow friends, spent seventy dollars to his son via an open recruitment team sent to the traffic police, dry on the contract of police. Get 800 a month. Competition results in the third year was down to the brush. Family crying, I said, a good brush, you earn a lifetime ban on that seventy that does not return, and fast wash before nap, and then scrape together some money to change out a small business, go! Probably can earn.
when I graduated, I took me uncivil language is holding the money, the Department sent me to the XX. I saw the man responsible for recruitment that morality can not assist the nausea, Made in salary, uncivilized language, I'm the white dry it is not only back the cost of food or drink for 10 years. So I'm a personal fellow intimidated, horrified that potbellied X capital no longer scared to admit me. I have had: to run away.
I wanted to do not understand? How come Chinese people silly? Such a superstitious nation word it? Wake up, that line of thinking is not natural? Prior to his work does not pay to not calculate cost-effective?
there are those mini juvenile white-collar workers who ascertain work best apt pay a higher point, not the insurance to health warranty and naught, and then save up their best insurance money, ambition absence it. When the third-largest

: Education
a diploma worth? A diploma worth? A diploma worth? The top of the publishing costs two dollars a day. A teacher pay? Hey, two students a semester tuition enough! A class book printing how much? Two students, enough! How much rent one class a semester? Hey two students enough. ! Hey! Education in China receive so much money you Why the perdition! ?
Hey! The people are! Why we have to be taken? Because the verdict level to differentiate us young scholar was confessed to reputation. I'm sorry, I was wrong, and is admitted to the University was honored. But why do people never want to think about glory? Why ... ... University scholar medal what is not waste!
you know who your child is instructing it? Generally in China, people tin not adjust to society will convert a preceptor, for instance. Some time antecedent I was a project among the University to find a few graduate students to do procedures. Result quite few people fatuous, do not give you full consideration, guarding you merely have to work, but also to the documents was a typo, not to change, so you find even told you seriously, is this not his fault , is that you give is bad. Little sense of duty, will not think if 1 is to do asset and do asset or to do one object and doing asset. I was very tranquilize and gave them reason: you must learn to calculate for others, cerebral what other people absence results and then do things. Otherwise it is impossible to survive in society. The results of a few, said: We did not go to the community, we are very good examination results, schools ought we have resided as a teacher. Originally, we have nothing to mention the wrong, how do you prepare how we do it,GHD Hair Straightener, do not you arranged for us not to do. This is our reputation and principles. I said: If you go to the porters, the employer did not plan as you to work while the latch will not latch up your warehouse? You chilling you? After your child is below the guidance of such a human learn and grow. Rest ensured it?
is no wonder that seminary cohabitation, truancy, fighting, suicide ... ... but the parents are still willing to cost money to send their children to school, and life is to spend the money.

fourth-largest when: automobile
Chinese crazy? Buy a car? Why purchase a car? ? ? Of lesson, you not only money spent, you adore how to purchase how to buy, buy a car, anyway, how up you Huabu Wan oil money, the house demolition you should not feel wrong. But maximum people do?
I had a colleague to live the North Second Ring, the corporation Xizhimen there. Most probably take the subway to work each hour. Charade may have to buy a second hand, each morn at 8 o'clock on the road Duzhe, and then moved to the company little by little. Hey, a month parking fees are a lot. But they were felt to open the car its own identity senior point. Not to mention open a Charade, Audi is open to whom I have not seen the three knock 9 who adore. In addition to look a little silly than others outside their own no other effect.
another cause, I met the girl a month income to 4000, loans to buy a car in the plan. So I asked her: little girl, I've got to do business, their work in season, Metro and handy to buy a car do? Thought for a long time, it is estimated can not think of any reason came and said: occasionally go to the supermarket to buy things right, kick another car approach the point is not value that, hiking and by inches the point. So steer yourself go! I almost did not hear disgusting. You steer to the supermarket to buy instant noodles do not feel sick it? Equipped with cellular phones to go incommunicado, is incommunicado for! Do not think that buying a car can certify anything.
example, I now own business, very engaged day to scamper approximately 4-5 places, watch a lot of purchasers. But I do not buy a car, why? I took a taxi that came with the shake, kick left, no area to fret about parking, do not worry about hanging a touch, and without fear of being thieves tied, regardless of rain has hung the air driver. Bumped a traffic jam whether you can obtain off the subway. More than ten thousand a year will stop RMB! Buy a car! Parking fees had more than ten thousand a year! This is not silly it? Do not buy a car
say do not buy a car, there are innumerable people who can be mad to go borrow money to buy? Die in their own future must not undergo too like! Buy it, buy a not achieved raising amuse rates? Oil prices are not crazy? Parking and is not expensive? Regret not it? The road to a cheapening of the new car sales are also not sell the right? ?
tell you that oil prices have to heave. Must be the same as oil prices rose and the dollar. Hey! You take the old U.S. 1 / 10 of income, family support and a price of petroleum. I think you do not have to se.
terminal say, everyone is not stupid, are small by stupefying pedagogy Jinong Han had. Silly point does not stuff, but of life or necrosis thing you still firm with the point, extra calculating the relationship between the economic interests of maneuver! Do not end, a real possession or fuel of a rose, took the money to pay the repose of your life just aboutmething Han diploma will not do, for several decades to pay exorbitant tariffs and levies creature no further Han Han. You can not just post losses of hundreds of thousands.
What was said? Oh no way, do not, and do not buy a car you, the bus ah good squeeze. I said that out of all the stupefying education is doing strange vanity. You look at me, just rent a house to live more than a thousand chips a month, it is equivalent to some people's property costs. If you want to get married I still afford to rent 3-4 thousand, and furniture decoration should be a whole. Which convenient, but also where I live. Not want to move to long-term rent. And also a kind of cross-property charges. Province, also in vain that the banks loans, interest, down payment heap. Something hit the car, nothing on the subway, ten thousand days a year, and also save a garage, parking fees, fines and other pile, the oil price rose to 10 also Lehe, do not postpone things. I ran the University did not finish, while the market a self-study while planning to run their own business, do not they also can enter the foreign-listed companies as a manager it? Also saves the tens of thousands of tuition fees.

course, some people would say: You do not even have a house to buy, clarify no wedding. I thought to myself: I do not, you think you have ah? Some people say that is not worth renting, leasing up or someone another, hey, do you think has a few years to buy a house loan, paid off is your, ah ... ...