Please do no purchase a house and automobile of th

- Hong Kong's famous economists - Lang
99% of the white-collar workers in China 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 doubt this diagram. But it is bound to happen, not alarmist. 'As I foresaw the inevitable unemployment Chinese state-owned corporation workers, as in that time no one believed. But it does happen. Because in China, a amplifying nation, with the inevitable in order to keep inflation and reform amounts in interchange for economic evolution. And every time the griefs brought about by the reform are the people to afford. When either the village and mountainous areas of the educated youth were disturbed, or colossal state-owned enterprises reform and beginning up have brought about a large number of laid-off workers near down. If they can have a certain forward-looking, then I think they might stay a little way out for themselves. However, due to too much too believe that life will not file and mutation, so that led to the tragedy of their lives. -
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Some say the government will not sit idly by white 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 turmoil. Can do? Today's white-collar future bankruptcy, they also did it. -
and 20 years of reform and opening up, China's quick economic development take off. But the old system is not completely changed. Variety of important industry is still in force is a government monopoly system in operation. Such as: banking, finance, metallurgy, vigor, message, transportation, health care, education, and land. China's reform and opening up of these things were not all appearances of the reform and opening. But today, the contradictions brought about by the monopoly is increasingly emphatic. -
bear the brunt of that real estate. As China's lawful system is not perfect, principally the field of finance and reform, a cloud of 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, case in point a monthly salary of RMB 3000-15000 everywhere. But this part of the income is effectively secondhand to pay rent or loan. -
In mandate to thoroughly know why
99% of the white-collar families may go bankrupt, we must 1st understand why housing prices so high? Where high? Funds are functioning? (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 explained to you in 3 stages. -
1: cause prices soared in the first factor: Bank loans under the open competition. -
housing prices soared in fact,GHD IV Mini Straighteners, is the chief ingredient for the Government because of the people in the mistakes of pay. Such as a developer ahead 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 opportunity to corner around. But China's banking reform on the foundation of a hole open to rivalry in 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 laborious to imagine. 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 along 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 pledge the house to find 40 million Construction Bank. Is such a outrageous lending 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 morsel to remove the President together with distinct 'legitimate' tall retail price of real estate as parallel so certainly obtaining 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 back. This is the Government's bank, the Government's money! So in order to plug the funding black hole is to buy some of the experts, media, public opinion began to madness by various means of coercion of public opinion were to buy a house. -
such as land resources, severe accent, do not buy a house in the hereafter can only live in the suburbs Yeah like that. Cause people to have to buy a house. In fact, can not live in this city simply can not occur this situation, the metropolis dwellers is a process of replacement of old and fashionable, to work to live in the city, the elderly live in rural areas like retirement. As long as the population explosion ambition not arise on white-collar workers do not live in the city center can not be the case. While the medium has established a lot of people buy a house, yet only so, prices are still not high as it now is outrageous. Then the Government made a second blunder. -
2: cause prices soared in the second error: a mortgage with Chinese characteristics. -
mortgage was originally a very renowned system in the West, and very fitting. However, the use of this system to China once a little problem. Because for large institutional. All banks are state, not private. Therefore,GHD Red Butterfly 2011, the gateway can not control lending firm. As long as the file makes sense, people will be capable to honor the money. -
early relief to the first error caused by money black hole. The Government introduced the system to individual mortgage houses. What is also constantly cite the United States to his wife and the Chinese woman's example to lure people to the mortgage. It was naturally the mortgage, and it is crazy mortgage. And banks at a time a little 'road' people. They first set of 80 million house mortgage, your down remittance and then a 10 million 70 million loan from the bank. Then after the house sale 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 remittance of 30 million own a beyond 1.5 million loan from the bank. Then go on. They do not how to do the loan? Love Do not calculate bank. Anyway, I do as yet under compact on the money you can take the house, we owe the two antagonistic. -
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. -
bank got the house how to do? Are scared the price. Had to join some amount and then sell. So do not even think almost mediocre people immediately buy a real house at reasonable prices! Even if you bought directly from the developer of the hands of the houses might have switched hands several times behind in the hands of the banks and developers. To mention something is 8,000 / square in the house, there is only 2500 prices, 5500 is thought to send money black chasm production a erroneous determination! That means you are impeded to the hard going to erase. -
3: The third question: white-collar families when bankruptcy? ? -
then we learn why the house prices up, another see by the so-called white-collar urban families in China in the essential of bankruptcy. -
first diplomatic white-collar income is indeed high, but high value. The so-called white-collar workers in China is generally poor quality. Serious interior friction of Chinese enterprises. Everyone scorn, all stubborn. No wonder exotic companies entered the China market began to exclaim: 'to do business in China, not hire 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 talk about why they get such a raise? 'In fact, this caused the peppery real estate a amount effect. Loss of large measure of capital banks through the hands of a few of the stream of the market. These people began to make provocative investments in other areas of China. Because they know thatreal estate is about to collapse. They do another circular of investment rumble is quickly preoccupy the asset, they invest the Internet, high-tech investment, investment and distraction, investment many, many. But at least 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 increase wages. Do not believe you do the math in your mean 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 that once the real estate crash that followed the collapse of your wages. -
I know there are many, many white-collar workers who have purchased the house. Their thinking is simple: 'couple all tariffs except net income per month is also the insurance of 12,000. What variety 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 vehicle, your tuition fares, therapeutic costs and more expensive! ! ! So the money you pay the room again besides the cost of living is basically a cent to save for it, even if the storage point is also not keep up with regular inflation rate. The answer is will retain the status quo if so, in methodology, should be all right. You two decades earned money just to make up for the loss of two errors. -
But the problem also lies in here. As of the end of the buffer WTO5 years, a large number of foreign communications, banking, medical, 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 willing to put money there so many bad debts of state-owned Chinese banks? How to take measures even now the Government could then run, so what will happen when the time is still hard to say. But one thing is certain is that when the oppression of state-owned these banks will become very large. Loans will be more difficult to add, because banks have no money to loan-to! At the same time a large number of foreign-funded enterprises with high-quality talent to enter the Chinese market will bring a muscular impact and the collapse of a large number of existing enterprises and white-collar unemployment. That is. Once the foreign-funded enterprises 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 inevitable pluck the citizen real estate declines. As I said earlier, housing prices have fallen, or is followed by the business in your wages! Can you buy a house before prices will not lower repayment or decrement, so you will be unable 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 promising 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 lest bankruptcy? -
discern where you should be conscious, do not buy a house is a good way to avoid bankruptcy. But I would also like to caution you not to try to jack up the property mall 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 port of the first sentence is: 'do you have room. 'It seems you do not like the room is a eunuch. I am really petulant with the strength to swear no. Mizuki weeks in Baidu also post it in this post Ping said: 'do not buy a house do you live? 'I wonder, 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 advert the gangsters who, like property and unsuitable person to compelled evictions! This is not purely a 'Emperor's New Clothes' it? But since the WTO has been that China's publishing industry and the media industry is still not open. Then public attitude will save the market and developers in the hands of the administration final trump card. -
so we face a lot of rhetoric, while more than half a head alternatively your own. After a pack of lies we listen speed up attribute, extra outrageous! For sample, recently there are brick family not expensive in price while the support said: 'What if 5 million anniversary salary, the pair is too the annual of 10 million, 5 years apt 50 million. So of lesson, price is not valuable. 'I was actually startled some folk nod? Perhaps because this or these have evolved to eat or drink is no nailed and patients do not wear dead father and mommy had not use for the livelihood of the brick home truly is namely the circumstance may be. Therefore, consideration to vigilance. -
Conclusion: -
must buy a house or preparing to buy a house
white-collar family home prices will breakdown as the breakdown happened it would be a slow process. As short as two years or at the peak of 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 each housing delivery to the bank for the Government money for real estate speculators who are repairing the hole, only a small portion of the room is real money. Tomorrow, the context changed, and you do not have that much money to fill the hole when the market and banks will be hit back to the home, and then for a number of new people to fill. Do not believe? Wait and see the pictures! - PS: Why do I say 99% of this number, because according to my understanding once the monthly salary of 99% over 5000 people began to buy a house, or even to buy 3000,4000. What lovers do not understand that this life will be pathetic going to buy. I just feel sad for them. Of course, if you're that 1% of the advisable men, and more to persuade them to save it. Better Together solo. -
Chinese are the four big when -
largest when: real estate -
buy a house average? 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 substantial results. Of course this is not the worst. The worst is when a few years later, you find that fooled! A group of hooligans broke into you life savings to buy a house, painting a big Chaizi! Then all of your personalties, like when the waste is still out the gate, despite your appealing, and even the newspapers also give you a nail by a notorious family, any damage of the public when you will know what despair! -
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described China's real estate has a outstanding joke is written like this: -
antecedent, there was a landlord there are many locations to find a lot of permanent work, the landlord to have created a permanent home to a digit of erection consensus, one day, the landlord's advisor on the landlord, said: owner, long-term employment are the hands of these few years some money, they live in your house, the monthly pay Zuzi, not worth, anyhow, they never supply to live, do not you just sell them the house is shrieked from a tricks - public houses for marketing! Tell them that the house belong to them forever, you can retention them money back in recent years, the landlord said: Yes, that rent how to do? Advisor, said: collects no mistake, from a Japanese appoint of children, called the property costs! Landowners to implement rapidly, and make a lot of money, long-term employment are the elated ah! -
a few years, the landlord of the countryside into town, and the wealthy more and more, no place to live, advisor to the landlord, said: owner, 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 destroyed 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 happy, the landlord's retainers put to use, the permanent teeth have had to knock down the larynx to the tolerate, the landlord has made a lot of money. -
Then, after a few years, the landlord of the village developed into a big city, and the rich more, the landlord of the land more valuable, and advisor to the landlord, said: union, we put these permanent houses demolished in this place to build villas, split out of the house sold to cover those who can earn a amount of money of the rich, the landlord said: how to do long-term workers who quit? Advisor, said: we give them a little more money, call their places from a financial accommodation, then we built our barn next to the house, from a tricks called affordable housing, they built a chariot road to grant them to buy over there room to live, the landlord said: how do they have enough money? Advisor, said: the banks borrow from our house to them before, 6 points a year profits, but also with money,GHD IV Salon Straighteners, money, nothing if cubs, not any hazard, the landlord has carried out, permanent 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 employ 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, the house should be dropped in price, do not buy, lease to live it, fair rent them to our pen, the outcome, so many years, long-term employment have always the money gone, still rental housing, always! -
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joke although a bit amplified, but in fact it not also true? Some people say that being the case? Why do Chinese people have to 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, bicycles can be a truly successful people wed a wife. 70 advocate that people should buy a new 4 pieces: TV, refrigerator, washing machine, install the phone can be considered as a wife have children to succeed, like remember to setup the phone, but to thousands of dollars a ah (per capita income of the small town of less than 200 ), while tens of thousands of Beijing and Shanghai is more a time, must take the people number line to buy, and how to buy a house today, the counterpart? -
Today all the shit
scholars began to fool the people of this set of the old trick: white-collar family of new standards, new choice 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 excuses to raise interest rates, policies and so on and so ahead. In short you are not afraid to necrosis, but afraid not suffer you to dead! Gnaw on how happy people fooled, but a hundred on the tire of it? I am really angry and get it all watery!
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second when: Employment -
weep when somebody finally started: the year when the educated young, when people are laid off behind no path out, no an tin sit-in protest opposition the Council, can only be diluted to the avenues Persons who have ridiculed the melody was also heroic in life, start over period. Have you ever thought of! They also have the same landscape and white-collar employees today! Income and status they had let the people around envy? Have you ever thought 20 years later! Like you would favor them descend aboard the streets, deserted? !
Some say Hey! You do not know the unemployment insurance, pension insurance, XX insured it? Oh, I float 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 pension at 60 is because there are 5 people for an old man! And after our generation is the old one for us two old people! Money get down to? Did not have to! If you are able to live to 90 years old can receive a number of pension estimates, hey take care of it to you. But even so, parents are still mad for the children to the manifold units in the state-owned enterprises to send, to me to always have such an example. A far comparative 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 forbid on that seventy that does not return, and quickly wash before slumber, and then scrape together some money to change out a small commerce, 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 10 years, the cost of food or drink. So I'm a private guy intimidated, horrified that potbellied X central no longer afraid to admit me. I have had: to run away. -
I wanted to do not understand? How come Chinese people silly? Such a superstitious country word it? Wake up, that line of thinking is not normal? Prior to his work does not pay to not calculate cost-effective? -
there are those little young white-collar workers who find work best to pay a higher point, not the insurance to health insurance and nothing, and then save up their best insurance money, will need it. -
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When the third-largest
: Education -
a diploma value? A diploma value? A diploma worth? The altitude of the publishing costs two dollars a daytime. A instructor pay? Hey, two students a semester tuition enough! A level writing publishing how much? Two students, ample! How many rent one level a semester? Hey two students enough. ! Hey! Education in China receive so many money you Why the perdition! ? -
Hey! The people are! Why we have to be taken? Because the ruling class to tell us young savant was admitted to honor. I'm sorry, I was wrong, and is admitted to the University was honored. But why do people never want to think about reputation? Why ... ... University savant credit what is not waste! -
you know who your child is educating it? Generally in China, people can not accustom to society will transform a teacher, for instance. Some time ago I was a project between the University to find a few graduate students to do procedures. Result quite few people stupid, do not give you full attention, guarding you only must work, but also to the documents was a typo, not to change, so you find even told you seriously, is this not his mistake , is that you give is wrong. Little sense of duty, will not consider whether one is to do things and do things or to do one object and doing things. I was very tranquilize and gave them reason: you must study to think for others, analytic what additional people ambition 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 quite good exam results, schools should we have stayed as a teacher. Originally, we have naught to say the wrong, how do you arrange how we do it, 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 for you to work when the latch will not latch up your storehouse? You chilling you? After your child is beneath the guidance of such a person study and grow. Rest guaranteed it? -
is no prodigy that college cohabitation, truancy, fighting, suicide ... ... but the parents are still willing to spend money to send their children to school, and life is to spend the money. -
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fourth-largest when: a car -
Chinese people crazy? Buy a motorcar? Why buy a automobile? ? ? Of course, you not only money spent, you adore how to buy how to buy, buy a car, anyway, how up you Huabu Wan oil money,GHD Purple Gift Set, the house demolition you should not feel wrong. But most people do? -
I had a companion to live the North Second Ring, the corporation Xizhimen there. Most probably take the subway to work every hour. Charade may must buy a second hand, every a.m. 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 personality senior point. Not to mention open a Charade, Audi is open to whom I have not seen the three knock nine who adore. In counting 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 maneuver. So I asked her: little girl, I've got to do business, their work in time, Metro and convenient to buy a car do? Thought for a long time, it is estimated can not think of whichever reason came and said: periodically go to the supermarket to buy things right, buffet another car near the point is not worth that, walking and far from the point. So drive yourself go! I nearly did not hear nauseating. You drive to the supermarket to buy instant noodles do not feel sick it? Equipped with cellular calls to go incommunicado, is incommunicado for! Do not think that buying a car can testify anything. -
example, I now own business, very engaged day to run about 4-5 places, see a lot of clients. But I do not buy a car, why? I took a cab that came with the migrate, kick left, no place to worry about parking, do not fret about hanging a touch, and without panic of being thieves knotted, regardless of rain has hung the wind driver. Bumped a traffic jam if you can get 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 foolish it? -
Do not buy a car
say do not buy a car, there are countless people who can be crazy to go borrow money to buy? Die in their own future must not undergo too like! Buy it, buy a not finished raising interest 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? ? -
acquaint you that oil prices have to rise. Must be the same for oil prices rose and the USD. Hey! You take the age U.S. 1 / 10 of proceeds, home aid and a price of petroleum. I muse you do not must se. -
final say, everyone is not stupid, are small by stupefying education Jinong Han had. Silly point does not matter, but of life or death thing you still firm with the point, more calculating the relationship between the economic interests of plan! Do not end, a real estate or oil of a rose, took the money to pay the repose of your life all butmething Han diploma will not do, for several decades to pay exorbitant taxes and levies being 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 teaching is doing strange narcissism. 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 elaboration should be a entire. 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,GHD Blue Straighteners, do not defer things. I ran the University did not finish, meantime the market a self-study while planning to run their own business, do not they also can enter the foreign-listed companies as a director it? Also saves the tens of thousands of tuition fees. -
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course, some people would say: You do not even have a house to buy, specify no marrying. 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,GHD Rare Straighteners, ah ... ...