Like my own business now, busy day to run about 4-5 places, see a lot of customers. But I do not buy a car, why? me a car that came with the move, playing After leave, do not worry no place to park, do not worry about hanging a touch, and without fear of being thieves tied, regardless of rain has hung the wind driver. if bumped a traffic jam can get off the subway. year also block for more than ten thousand RMB! to buy a car! parking fees had more than ten thousand a year! This is not a fool What?
and foreign Once banks started to invest in real estate funds have accumulated, then the normal operation of the process they are made out of the house will be so cheap, must boost its national real estate declines. As I said earlier, housing prices have fallen, followed by fall Your business is the wage income! can you buy a house before the loan will not lower prices or reduced, so you will be unable to pay exorbitant loan. then your house will be taken away by the bank, your deposit will be directly frozen. So the future of Chinese cities are most likely white-collar workers and dozens of years ago, as China's state-owned enterprise workers. hard two years, in the end 竹篮打水一场空!
all the shit today and 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, commercial and residential type. received hundreds of thousands of you later, have to charge you a monthly rent (the new management fee), bank interest, and all sorts of excuses to raise interest rates, policies and so on and so on. In short you are not afraid to death, but afraid not suffer you to die! gnaw on how happy the people fooled, but a hundred on the tire? I am really angry and get it all wet !
2: cause prices soared in the second error : a mortgage with Chinese characteristics.
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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 virtue can not help the nausea, then a look at salary, uncivilized language, I'm the white dry it is not only back the cost of food or drink for 10 years. So I had that guy a privately threatened, scared the portly chief no longer afraid to admit I X. I it must have been: running away from home.
< br> In order to alleviate the first error as soon as possible the funds arising from the black hole. the government introduced mortgage system to individual houses. What the United States often give to his wife and the Chinese woman's example to lure people to the mortgage. really was the mortgage, and a crazy mortgage. as long as bank a little sale. This time they go to relatives or bought 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. and then go on. They do not how to do the loan? Banks love collection charge. Anyway, I'm not under contract on the money you can take the house, we owe the two incompatible.
when someone finally started to lament: When the time when the educated youth When someone feels there is no way out, after laid off, but no one cares only sit-ins, who can only be reduced to the street was also prepared song mocking the heroic life, start over time. Have you ever thought of! and today they have Like white-collar scenery! their income and status have also let the people around envy? you ever thought 20 years later! you would like them reduced as the streets deserted?!
described China's real estate has a famous joke is written like this:
then why do we study the house prices will go up, come look at the so-called white-collar urban families in China in the necessity of bankruptcy.
first foreign white-collar income is indeed high, but high value. The so-called white-collar workers in China is generally poor quality. Chinese enterprises serious friction. all scorn, all stubborn. No wonder foreign companies entered the China market began to exclaim: Zhou Ping, you can talk about why they get such a raise? crazy in other areas of investment. because they know that real estate is about to collapse. they do another round of investment boom is rapidly absorb the funds, they invest the Internet, high-tech investment, investment and entertainment, many, many investments. 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 average income of urban white-collar workers Once completed the monthly housing money to pay, but also so much money on hand? I think it would not have me ramble on it. all psychological few. So I can say that once the real estate crash that followed the collapse of your wages .
I had a colleague to live the North Second Ring, Company Xizhimen there. every day to work the most hours of the subway. may have to buy a second hand Charade, every morning at 8 o'clock on the road Duzhe, and then moved to the company bit by bit. 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 who knock nine thanks to three. In addition to look a little silly than others outside their own no other function. < / p>
Another time, 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 on time, Metro and convenient buy a car do? like a long time, it is estimated can not think of any reason came and said: sometimes go to the supermarket to buy things right, hit another car near the point is not worth that, walking and far from the point. So, if you drove to ! I almost did not hear disgusting. you drive to the supermarket to buy instant noodles do not feel sick it? equipped cell phones to incommunicado, is incommunicado for! do not think buying a car can prove anything.
I know there are many, many white-collar workers who have purchased the house. Their thinking is simple: Insurance net income each month also received 12,000. What kind of money to pay 3,000 rooms? I can buy a set of it! expensive, more expensive health care costs!!! so the money you pay the room and then apart from the cost of living is basically a penny to save for it, even if the storage point is also not keep up with normal inflation rate. The question is if will maintain the status quo, then In theory, should be fine. You two decades earned money just to make up for the loss of two errors.
third when: Education
there are those little young white-collar workers who find work best to pay a higher point, Do health insurance and nothing to the insurance, and then save up your money most insurance will need it.
How to avoid bankruptcy?
housing prices soared in fact, is the main factor because 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 opportunity to turn around. But China's banking reform on the basis of a hole open to all banks competition so the ICBC, the Agricultural Bank of China, Construction Bank and so on all operate independently. It would have been a good thing. but the problem is that these banks are not private, but the state. We is not difficult to imagine. When a developer loans from the ICBC 1000 million of the 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 lending to 20 million from the Agricultural Bank of China, and then use the 20 million in 10 million to develop a higher priced house, looking for mortgage loans 40,000,000 Construction Bank. is such a crazy loans snowball model.
joke though a bit exaggerated, 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? also is not the result of the stupefying education system? to like 60 years, advocating that people have to buy Big Three: watches, sewing machines, bicycles can be a truly successful married a wife who's advocating .70 four people have to buy new pieces: TV, refrigerator , washing machines, telephone equipment can be considered is to succeed as a wife have children, remember to install the phone, but to thousands of dollars a ah (per capita income of less than 200 of the town), and Beijing Shanghai is more of a time when tens of thousands, but also No ride was in line to buy favors, and how to buy a house today, the similarity?
but the problem also lies in here . With WTO5 end of grace period, a large number of foreign communications, banking, health care, insurance, and so companies will have moved into China. At that time no one can stop you put money into Citigroup, HSBC deposit. ask about that time who bad debts are willing to put money in so many Chinese state-owned banks? how to take measures even if the Government could re-run, so what will happen when the time is still hard to say. but one thing is certain is that when the Chinese state-owned banks will become very great pressure. Loans will be more difficult to add, because the banks have no money to loan-to! the same time a large number of foreign-funded enterprises with high-quality talent to enter the Chinese market will bring a strong impact and the collapse of a large number of existing enterprises and white-collar unemployment. that. Once foreign-funded enterprises to enter the competition, China's existing 99% of the white-collar workers will face a big job under pressure!
tell you that oil prices have to rise. we must rise and the dollar As oil prices. Hey! You take the old U.S. 1 / 10 of income, family support and a price of gasoline. I see you have not Joseph.
The first big when: real estate
course, some people would say: You even have do not buy the house, designated 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 else, hey, do you think has a few years to buy a house loan paid off is yours
Some say Hey! you do not know of unemployment insurance, pension insurance, XX Insurance What? Oh, I drift in Beijing, N years, many insurers pay tens of thousands about it, but ran off when the unemployment no one gave me legs Han insurance, but many insurers have been frozen that I had to pay off, and I just another angry ... ... than that, you think you're really into the age of 60 can get a pension it? out of the sky without money! today's older we get the pension is earned! 30-40 years of age today usually have several brothers and sisters! means that today's elderly to get in 60 years to old-age insurance is because there are 5 people for an old man! and this generation is an old man after two elderly people for us! money come from? did not have to! If you are able to live to 90 years old can receive a number of estimates pension insurance, hey You take care of it. But even so, parents are still mad for the children to the various enterprises in the delivery of state-owned units around me to always have such an example. I am home a distant relative, find the relationship between drag friends, spent seventy thousand dollars to his son through an open recruitment team sent to the traffic police, dry on the contract of the police. a month to get 800. results in the third year was to brush off the competition. a man crying, I said brush well, you earn a lifetime ban on that seventy that does not return, and quickly wash before sleep, and then scrape together some money to change out a small business, go! perhaps can earn.
Thus, long-term employment began to make trouble, and the landlord a little nervous, hurriedly asked counselors how to do? advisor, said: they must notify the long-term employment We, the house should be dropped 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 rent to live forever!
What was said? Oh no way, do not, and do not buy a car you, a good squeeze O Bus. I said out of all the stupefying education system is doing vanity strange. You look at me, just rent a house to live more than a thousand pieces 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. do not want to move to long-term rent. is also a kind and pay property charges. also a vain Province also bank loans, interest rates, down payment pile. something hit the car, nothing on the subway, ten thousand a year days, and also saves the garage fees, parking fees, fines and other pile, the oil price rose to 10 also Lehe, do not delay things. I did not finish college ran, while the market out of self-study while planning to run their own business, is not it equally into the foreign-listed companies as a manager it? also saves tens of thousands of tuition fees out.
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bear the brunt of that real estate. because our legal system is not perfect, especially the field of finance and reform, all kinds 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. So the new urban workers is the so-called Beijing, for example a monthly salary of RMB 3000-15000 everywhere. But this part of the income is mainly used to pay rent, or loan repayment.
I wanted to do not understand? Chinese people gnaw on such a silly? so superstitious country word it? Wake up, thinking that the line normal not? before you do something worthwhile does not pay to not do the math?
see where you should be aware, do not buy a house is a good way to avoid 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 effect. Now the first sentence of the person is a mouth: you have room. I'm strange, there is a connection to live and buy it? a land in China is not part of your house and rented out to sell you what you have is the difference? (laughs). not to mention the bandits who, like property and improper person to evicted! This is not simply
what it means to buy a house? means that you have a house of their own. Yes, you thought so, but China can not have you and the 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 have seen that time house?). the house usually around 30 years old renovation or demolition will be met. that you spend the money to buy a house, but can only be renting the actual results. Of course this is not the worst. The most worse, 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! and then all of your possessions, like when the garbage is still out the door, regardless of your begging, and even the newspapers also give you a nail by a notorious family, any abuse of the public when you will know what despair!
you know your child Who is teaching it? in China are generally unable to adapt to human society will become a teacher, for example. Some time ago I was a project between the University to find a few graduate students to do procedures. The results have several people very stupid and did not give you a considered, guarding you just have to work, but also to the documents was a typo, not to change, so you find even told you seriously, is it not his fault, that you give is wrong. that sense of responsibility, not at all consider whether to do things and do things or to do one thing and doing things. I was very calm and gave them reason: you must learn to think for others, think other people want What are the results and then do things. or can not survive in the community. The results of a few, said: we do not go to the community, we very good examination results, schools should we stayed as a teacher. say that again we have been nothing wrong how do you arrange how we do it, you arranged for us to not do it. This is our dignity and principles. I said: If you go to the porters, the boss did not arrange for you to work when you do not lock lock storage? You scared it? after your child is under the guidance of such a person learn and grow. What your peace of mind?
Last to 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 tight with the point, more calculating the relationship between the economic interests of plan! other end of the day, property of a down, oil price rose, took the money to pay the rest of your life or something 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.
and 20 years of reform and opening up, China's rapid economic development take off. But the old system and not completely changed. a variety of important industry is still in force is a government monopoly system in operation. such as: banking, finance, metallurgy, energy, information, transportation, health care, education, and land. in the reform and opening up of China can not be all of these things aspects of the reform and opening up. But today, the contradictions brought about by the monopoly increasingly prominent.
fourth-largest when: buy a car
then this result is that house prices do not just climb down! because they can not fall! out a bank loan or money to never come back the. This is the government's banker, the Government's money! so in order to stop some of this money was to buy the black hole of experts, the media began to create public opinion in various media madness means of coercion of people to buy a house.
Hey! people have! why we have to be taken? because the ruling class to tell us young scholar was admitted to glory. I'm sorry, I'm wrong, is was admitted to the university honor. but the people never want to think about why the glory? why the glorious University scholar ... ... what is not waste!
is no wonder 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.
have to buy a house or a family must be ready to buy a house with white-collar the collapse of housing prices collapse, it will be a slow process occurs. as short as two years or as long as ten years. But this is an irreversible trend. Therefore, China has 99% of urban white-collar family that not alarmist talk of a bankruptcy ! Today you pay for each 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 environment changed, and you do not have that much money to fill the hole when markets and banks will be kicked back home, and then for a number of new people to fill. Do not believe?'ll see the pictures! - PS: Why do I say 99% of this number, because according to my understanding of the monthly salary of 99% of people had once 5000 began to buy a house, or even to buy 3000,4000. lovers do not understand what this life will be miserable going to buy. I just feel sad for them. Of course if you are that 1% of the wise men, and more advised to save them it. alone Better Together.
ago, there was a landlord there are many places to find a lot of permanent work, the landlord to the long-term employment They built a home to a number of building unity, one day, the landlord's advisor on the landlord, said: owner, long-term workers are a bit of money on hand the past few years, they live in your house, the monthly pay Zuzi, uneconomical, since they are always afford to live, do not you just sell them the house is called from a tricks - public houses for sale! tell them that the house will always belong to them, you can save them money back in recent years, the landlord said: Yes, that rent how to do? counselors said: It collects not wrong, children from a Japanese name, called the property fee! landlord quickly implemented, and make a lot of money, long-term employment are the happy ah!
MSN Spaces perfect move to Sina blog!
bankruptcy. and is bound to bankrupt! run away! it may happen in the next 2-10 years. You can try to doubt this figure. but it is inevitable, not alarmist. necessarily unemployed workers, as in that time no one would believe. but it does happen. because in China, a developing country, its bound to keep the inflation and reform measures in exchange for economic development. and each time the reform brought the pains are to be undertaken by the people. whether it is mountainous and rural areas, or when the lost the educated youth are a large number of 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 may stay a little way out for themselves. However, due to over-confident and over-confident life will not file mutation, so that led to the tragedy of their lives.
Then, after a few , the landlord of the village developed into a big city, and the rich more, the landlord of the land more valuable, advisor to the landlord, said: club, we put the permanent house demolition, construction of villas in this place, split out to cover the house sold to the wealthy who can profit from the money, 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 monetary settlement, then we pen next to the construction of our house, from a tricks called affordable housing, they built a carriage road to allow them to live there to buy a house, the landlord said: how do they have enough money? advisor, said: the banks borrow from our house before to them, 6 points a year profits, but also with money, money, nothing if cubs, not any risk, the landlord has carried out, they got the money permanent, affordable housing to the landlord built a now, long-term workers who had to wait in line house, until now, still waiting for it ... ...
mortgage was originally a western system of popular, and very appropriate. But once the use of the system a little problem in China. because speaking from the major institutional. All banks are state, not private. so loans can not control is maintained in this juncture. As long as the document makes sense, people will be able to credit the money.
Chinese people crazy? car? Why buy a car??? Of course, you not only have money to spend, you love how to buy how to buy, buy a car, anyway, the oil Hua Buwan how you price up the money, the house demolition you should not feel bad. but most people do?
second when: Employment
house Maibu Mai was out is not important, the key is the price is higher, not lower prices. Anyway, money is not a private bank, so a little bit to clear the president together with another bank loans.
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To better understand why the 99% white-collar families may go bankrupt, we must first understand why housing prices so high? high where? funds are functioning? (where the 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 three stages.
1: cause prices soared in the first factor: Bank loans under the open competition.
< br> such as land resources, severe stress, do not buy a house in the future 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 happen this situation, a new urban residents the process of replacing old, live in the city to work, the elderly live in rural areas like retirement. As long as the population explosion will not appear 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, High prices have not so far off the mark now. Then the Government made a second mistake.
so turned around, raised several times the price of the house back to the hands of the government back to the bank. This explains why the beginning of many new real estate repair to be clean up the banks.
a diploma worth? a diploma worth? a diploma worth? printing costs two dollars a day the top. a teacher pay? Hey, two enough students for a semester of tuition! a class book printing how much? two students enough! how much rent a class a semester? hey two students enough.! Hey! China Education received so much money you Pingsha !?
well-known economist in Hong Kong - Lang
Conclusion:
After 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: owner, long-term employment are the hands and money in recent years, let them build a new house , called from a transformation of the old tricks, they switch 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 of them long-term employment not happy, the landlord's retainers put to use, the permanent teeth have had to knock down the throat to the stomach, the landlord has made a lot of money.
was said that the Government Bankruptcy will not sit idly by white-collar workers, the Government, of course not. ... ... how can I say some things. I think back to the laid-off workers now. caused so much social unrest. can do? bankruptcy of today's white-collar future , they also did it.
say do not buy a car not a car, there are countless people who can be mad to go borrow money to buy? die in their own future must not suffer too like! buy it, buy a not finished raising interest rates? oil prices are not crazy? stop but not expensive? regret is not it? new car on the road to a cheapening of the sales are not sell out is not??
Chinese are the four large when
so we face a lot of time or his rhetoric, always think twice. After a pack of lies we hear more and more property, more so refers to human hair! such as the recent housing advocates have brick home not expensive at the time said: are still people nod? may have evolved for this or to such food or drink is not fixed and do not wear ill father and mother died not long ago of brick home with maintenance so it might really matter. Therefore, we Note alert.
banks how to do to get this house? are afraid the price. had to add some value and then sell. So do not even think about ordinary people now buy real reasonable price of the house! even if you bought directly from the hands of the houses developers might have switched hands several times back in the hands of the banks and developers. To say something is 8,000 / sq house There is only 2500 prices, there are 5,500 funds that making a wrong decision to bring the black hole! that you are restricted to the hard working to wipe.
3: The third question: white-collar workers When the family bankruptcy??
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