Please do not buy a house and car of a friend must seriously look to see

well-known economist in Hong Kong - Lang, You can try to doubt this figure, but it is bound to happen, not alarmist. But it does happen. Because in China, a developing country, with the inevitable ...

; Hong Kong's famous economist - Lang

'99% of China's white-collar workers and their families will face bankruptcy. But inevitable bankruptcy! Run away! This may happen in the next 2-10 years. You can try to doubt this figure. But it is bound to happen, not alarmist. 'As I predicted the inevitable Chinese state-owned enterprise workers, the unemployed, as in that time no one believed. But it does happen. Because in China, a developing country, its bound to keep to inflation and reforming means for economic development. And each time the pains of reform brought to bear by the people. Whether it is mountainous and rural areas of the educated youth were confused, or when the reform and opening up a large number of state-owned enterprises have been closed down when a large number of laid-off workers. If they have a certain forward-looking, then I think they might leave a little for their own posterior. However, due to over-confident and over-confident life will not file mutations, thus causing the tragedy of their lives. -

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 right. Caused so much social unrest. Can do? Today's white-collar workers when the bankruptcy tomorrow as it has. -
and 20 years of reform and opening up, China's rapid economic development take off. But the old system does not completely change. 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. China's reform and opening up of these things can not be all aspects of reform and opening up. But today, monopoly brought ever more pronounced. -
bear the brunt of real estate. As China's legal system is not perfect, especially the field of finance and reform, the emergence of a variety of mistakes made by real estate has been rising. With the increase in real estate and the native population to focus on large cities. So the new urban workers is the so-called 'white-collar workers' income is rising on the surface, to Beijing, for example 3000-15000 yuan monthly salary everywhere. But this part of the income is mainly used to pay rent, or loan. -
To better understand why 99 percent of white-collar families will go bankrupt, we must first understand why the prices so high? High, where? Funds work? (This refers to white-collar ready to buy a house buy a house or family.) And the development trend of related effects. This article will explain to you in three stages. -
1: cause prices soared, the first factor: Bank loans under open competition. -
In fact, housing prices soared main factors for the Government because of the people in the mistakes pay. Such as before a developer through a bank loan of 10 million to develop a house. If he does not play that bad luck, 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 competition between the banks so the ICBC, Agricultural Bank, Construction Bank, and so on all operate independently. This is a good thing. But the problem is that these banks are not private, but the country. We can imagine. When a developer from the bank loans to 10 million results. He only need 5 million to develop a house, then the price increase, then the development of the price of the house according to his standard mortgage loans to 20 million from the ABC again, and then use that 20 million of 10 million development of a sets a higher price of the house came to 40 million Construction Bank mortgage. Is such a crazy snowball lending model. -
get out of the house you serve is not important, the key is the price higher, not lower prices. Anyway, the bank's money is not private, so a little bit to clear the president have combined with 'legal' high retail price of real estate as collateral so naturally getting better and better from bank loans. -
then this result is that house prices do not just climb down! Because they can not fall! A bank loan out money or never come back. This is the government's banker, the government's money! Therefore, in order to block the funding black hole is to buy some of the experts, the media began to create public opinion using a variety of media madness means of coercion of people to buy a house. -
such as land resources are severely strained, do not buy a house in the future can only live in the suburbs Yeah like. Cause people had to buy a house. In fact, can not live in this city that was impossible, a new urban residents is the process of replacing old, live in the city to work, like to live in the suburbs of retirement. As long as the population explosion will not appear on white-collar workers do not live downtown can not be the case. Although these media caused a lot of people buy a house, but only so high prices have not so far off the mark now. Then the government made the second mistake. -
2: prices soared, leading to the second error: a mortgage with Chinese characteristics. -
mortgage would be a very popular system in the West, is also very appropriate. However, this system applied to China once a little problem. Because for large institutional. All banks are state, not private. The lending this juncture it is impossible to control is maintained. As long as the document makes sense, people will be able to credit to the article. -
to the first error as soon as possible to ease the financial black hole caused. Government began to implement the system to individual mortgage houses. What also often give to his wife and the Chinese American woman's example to lure people to the mortgage. Indeed it was the mortgage, and it is crazy mortgages. And banks as long as a little 'road' people. They first mortgage a 80 million homes, own a 100,000 down payment and then from the bank loan 700,000. Then after the house sale to raise prices to 1.8 million. This time their relatives or Mom and Dad go to buy, but also with their own way out of the mortgage down payment 300,000 loan from the bank 1.5 million. Then on the matter. They do not how to do the loan? Banks love collection charge. Anyway, I'm not under contract can take away your money on the house, we have two incompatible less. -
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 was 'real estate group' bought. They are not fried gambling house will appreciate. But the bank took the house to clean up. -
bank got the house how to do? Are afraid to cut prices. Had to add some value and then sell. So ordinary people are now not even think to buy a house really reasonable price! Even if you bought directly from the hands of developers house might have switched hands several times returned to the hands of the banks and developers. To say something now 8000 / level house, there are only 2,500 is the price, 5,500 are thought to bring the money black hole making mistakes! That means you are restricted to the hard working backside. -
3: The third question: white-collar families when bankruptcy? ? -
we study why the house prices up, again look at the so-called white-collar families in Chinese cities the necessity of bankruptcy. -
first foreign white-collar income is really high, but high value. The Chinese called the white-collar workers are generally poor quality. Chinese enterprises serious internal friction. Everyone scorn all stubborn. No wonder foreign companies entered the China market began to exclaim: 'in China people do not hire company! 'I am also fully understood. That someone 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 salary it? 'In fact, this hot real estate as a result of quantum effects. The loss of a large number of bank funds through the hands of a few people went to the market. These people began to make aggressive investments in other areas of China. Because they knew that real estate is about to collapse. They do another round of investment boom is rapidly absorb the funds, they invest in the Internet, high-tech investment, investment and entertainment, investment many, many. But at least enough to pay wages to employees or pay monthly rent on a house for it. Therefore, it is because the rising price of China's urban population created a relative wage increase. You do the math you do not believe the city where the average income of white-collar workers, once paid the monthly housing money, how much will be left to the hands? I think this would not I be wordy it. All psychological few. 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: 'The couple opened a variety of revenue insurance, in addition to the monthly net income is also 12000. What kind of housing money to pay 3000? I can buy a set too! 'Yes, nothing. But because your house so what are expensive. Eat your, your transportation, your tuition fees, medical costs are more expensive! ! ! So the money you pay the room apart from the cost of living and then basically kept a penny for it, even if the save point also keep up with normal inflation rate. The problem is if you 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. -
but the problem out here. With WTO5-year grace period to the end, a large number of foreign communications, banking, healthcare, insurance, and so companies will have moved into China. That time no one can stop you put money into Citigroup, HSBC deposit. What about that time who are willing to put money in the amount of bad debts so many Chinese state-owned banks? And then how to take measures even if the Government could run, so what will happen when the time is still hard to say. But one thing is certain is that these banks to China's state when the pressure will become enormous. Loans will be difficult to add on, because banks have no money to credit! At the same time a large number of high-quality talent with foreign-funded enterprises to enter the Chinese market will bring a strong impact and the collapse of a large number of existing enterprises and white-collar unemployment. In other words. Once the foreign-funded enterprises to join the competition, China's existing 99% of white-collar workers will face under the employment pressure environment! -
and foreign banks started to invest in once the accumulated funds in real estate, then normal operation because they are made out of the house so the process will be cheap, must boost its national real estate dropped sharply. As I said earlier, prices have fallen, or is followed by the business in your wages! Can you buy a house before the loan will not reduce or reduce the price, so you will be unable to pay exorbitant loan. Then your house will take away the bank, your deposit will be directly frozen. So the future of Chinese cities may be the greatest white-collar workers and a few decades ago, like the Chinese state-owned enterprise workers. Hard two years, in the end 竹篮打水一场空! -
how to avoid bankruptcy? -
see where you should understand, do not buy a house is a good way to avoid bankruptcy. But I would also like to remind you, in order to push up the property market does not fall, they have a way that is not advocating people do not buy a man child! You mention, this really little effect. Now people a mouth first sentence is: 'do you have room. 'You do not seem the same room is a eunuch. I am really angry 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 wonder, is there a causal link to live and buy it? In China, a land not belonging to your house and rent you have to sell you what is the difference? (Laughs). Not to mention the same property and the bandits who forced evictions of people wrong! This is not simply 'the emperor's new clothes' it? But since the WTO has indicated that the publishing industry and the media industry in China is still not open. Then public opinion will become a government bailout and developers in the hands of the last trump card. -
so we face a lot of rhetoric, when more than half a brain or your own. After a pack of lies we hear more and more housing, more and more outrageous! Such as recent prices have brick home not expensive when advocating say: 'What if 50,000 annual salary, the couple is 100,000 a year, five years to 500,000. So of course, price is not expensive. 'I was surprised that someone actually nod? Perhaps for this or these have evolved to eat or drink without disease does not move and do not wear dead father and mother had no use for the maintenance of the brick home may really be the case. Therefore, we pay attention to vigilance. -
Conclusion: -
ready to buy a house buy a house or have a family of white-collar workers will collapse with the collapse of housing prices, that would be a slow process that occurs. Short as two years or as long as ten years. But this is an irreversible trend. Therefore, China has 99% of urban white-collar workers, said a bankruptcy not an alarmist! Today you pay the bank money is for the Government of each housing allocation for real estate speculators who fill holes, only a small part of a real house money. Environment a change tomorrow, you do not have much money to fill holes when the market and banks will be kicked back to the home, and then for a number of new people to fill. Do not believe? Wait and see Bai! - PS: Why do I say that 99% of this number, because according to my understanding, once 99% of the monthly salary of over 5000 people began to buy a house, even 3000,4000 buy. What lovers do not understand that life will go on to buy badly. I just feel sad for them. Of course, if you are that 1 percent of the wise, than to persuade them to save it. Better Together alone. -





Chinese are the four large when

largest when: Real Estate
buy a house mean? Means that you have a house of their own. Yes, you think so, but in China and you can not have this house, you just rent it. Because the house is yours, not your land, but land use rights for 70 years (70 years from now it is back Sino-Japanese War, who have seen the house that time?). House, usually 30 years or so the demolition or renovation 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 worst is when you find that after decades of fools! A group of hooligans broke into your house with their life savings to buy the painting on a big split-! Then all of your belongings, like when the garbage is still out of doors, regardless of your pleading, and even still you press on a newspaper account of the notorious nail, any abuse of the public when you will know what despair!

described the Chinese real estate has a well-known joke is written like this:

ago, there was a lot to the landlord, to find a lot of permanent work, and the landlord to have built a permanent Building group unity lived a day, the landlord's advisors on the landlord, said: club, long-term workers are a bit of money on hand the past few years, they live in your house, the monthly pay Zuzi, worth, anyway, they will never afford to live, do not you just sell them the house from a tricks is called - public houses for sale! Tell them the house they never go, you can save them money back in recent years, the landlord said: Yes, how do I rent? Advisor, said: according to income is not wrong, from a Japanese name of children, called the management fee! Landlord quickly implemented, and made 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: club, long-term workers were on hand and money in recent years, Let them build a new house, called from a transformation of the old tricks, they handle the money to us, we pulled down to build a new house, and tell them to buy back, you can sell more than cover some of the others, the landlord has carried out, This time, some long-term workers are not happy, the landlord of the retainers come in use, the permanent teeth have had to knock down the pharynx to the stomach, the landlord has made a lot of money.

A few years later, 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 these permanent houses demolished , in this place was built villa, split out to cover the house sold to the wealthy who can earn a sum of money, the landlord said: how to do long-term workers who quit? Advisor, said: we give them a little more money, from a monetary settlement called tricks, and then we built our barn next to the house, from a tricks called affordable housing, they built a carriage road to allow them to buy over there living room, the landlord said: how do they have enough money? Advisor, said: the banks borrow from our family before them, 6 points a year profit, but also nothing if the money begets money the Cubs, not any risk, the landlord has carried out, they get the money long-term basis, the landlord of affordable housing until now built one, they had to wait in line for permanent house, until now, waiting for it ... ...

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 permanent house to be dropped in price, do not buy, rent to live it, just rented it to them our pen, the result, after so many years, long-term employment have all the money gone, are still renters, forever!

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? Mad to buy? Why? The result of education is not obscurantism, as if 60 years, advocating that people have to buy the Big Three: watches, sewing machines, bicycles truly successful people can marry a wife. 70 years advocating that people have to buy four new pieces: television, refrigerators, washing machines, telephone equipment can be considered to succeed as a wife have children, remember the thousands of dollars to install a phone, but ah (per capita income of less than 200 town ), while tens of thousands of Beijing, Shanghai and more a time, had to take a human number line up to buy, and buy a house today, how it is similar?

and today all the shit in this set of scholars began to fool the people of the old trick: the new standard white-collar, successful people choose a new small size X ring X Road, X ring X Road, residential and commercial type. After you receive hundreds of thousands, have to charge you a monthly rent (the new property fee), bank interest, and various sorts of excuses to raise interest rates, policies, and so on and so forth. In short you do not be afraid to death, not afraid to die you miserable! Gnaw on how happy the people fooled, but one hundred tire on it? I am really angry and get it all wet!
second when: Employment

When people finally began to sigh: the year when the educated youth, when people are laid off after no way out, no one can sit-in protest ignored, can only be reduced on the streets also were compiled song laugh at life, bold, heavy head come again. Have you ever thought of! They also have the same scenery and white-collar today! Their income and status have also let the people around envy? Have you ever thought 20 years later! Like you would like them descend on the streets, deserted? !

Some people say hey! You do not know the unemployment insurance, pension insurance, XX insured it? Oh, I drift in Beijing N years, numerous insurers to pay tens of thousands about it, but when Pao Duantui unemployment and no one gave me Sha insurance, but many insurance policies that I have been frozen for paying off, and I just and anger ... ... More than that, you think to the age of 60 you can get really old-age insurance yet? Out of the sky without money! Today's pensions are older we get the earned! Today 30-40 year-olds usually have several brothers and sisters! Means that today's elderly to get a pension age of 60 is because there are five people for an old man! And after our generation growing old is a person for the two of us old people! Money come from? Did not come! If you are able to live to 90 years is estimated to receive some of the old-age insurance, hey You take care of it. But even so, parents are still mad and put their children to a variety of enterprises in the delivery of state-owned units, to me it always has such examples. A distant relative of my home, find the relationship between drag friends to spend seventy thousand dollars to his son through an open recruitment team sent to the traffic police, dry on the contract the police. A month to get 800. The third result was competition to the brush down. A people crying, I said, a good brush, you earn a lifetime ban on that does not back that 70,000 first wash sleep quickly, and then scrape together some money to change out a small business go! Probably can earn.

when I graduated, I led my profanity is holding the money, the department sent me to XX. I saw that the man responsible for recruitment virtue, could not help the nausea, Made in salary, profanity Yeah, I is not eat or drink until the white dry-back 10-year cost. So I had that guy a privately threatened, scared that potbellied X no longer afraid to admit I am chief. I just have to have: away from home.

I wanted to do not understand? Chinese people ye so foolish? Such a superstitious country word it? Wake up, thinking that the line is not normal? Prior to his work does not pay to not calculate cost-effective?

there are those little white-collar workers are young, it is best to find a job to pay the high point, not to health insurance and Han, insurance, and then save up your money most insurance will need it.

third when: Education

a diploma worth? A diploma worth? A diploma worth? Top of the printing costs two dollars a day. A teachers salary? Hey, two students a semester of tuition enough! A class book printing how much money? Two students enough! How much rent a class a semester? Hey two students enough. ! Hey! China Education Why the hell you receive so much money! ?

Hey! The people are! Why should we be fooled? Because the small ruling class told us was admitted scholar honor. Oh sorry I am wrong, is it honorable to go to college. Why do people think about but never go to glory? Why is glorious ... ... University scholar and how not waste!

you know who your child is teaching it? In China are generally unable to adapt to society, people would become a teacher, for example. Some time ago I as a project, find a few college students doing master's program. The results are very few people stupid, do not give you full consideration, you have to abandon it to work, but also to the documents obviously a typo, not to change, so you find even told you seriously, is it not his fault , you give is wrong. Little sense of responsibility, will not consider whether an order to things and do things or to do one thing and doing things. I was very calm to reason with them: you must learn to think for others, the results of re-thinking people want to do things. Otherwise it can not survive in the community. Results of those few, said: we do not go to the community, we test scores good enough, we are staying in school to a teacher. We had nothing to say the wrong, how do you arrange how we do, do not you arranged for us not to do. This is our dignity and principles. I said: If you go to the gatekeepers, the boss did not arrange for you to work when you do not lock storage lock it? You chilling you? After your child is under the guidance of such a person learn and grow. You ease it?

cohabitation is no wonder that university, truancy, fighting, suicide ... but the parents are still willing to spend money to send their children to school, but a lifetime to spend the money.

fourth-largest when: car
Chinese people crazy? Buy a car? Why buy a car? ? ? Of course, you not only have money to spend, and how you love to buy how to buy a car buy a house, anyway, how up you are enough of oil money, the house demolition you should not feel bad. But most people do?

I used to have a colleague to live the North Second Ring, the company Xizhimen there. Most probably take the subway to work every hour. May have to buy a second-hand Charade, 8:00 every morning to start on the road Duzhe, then moved a little bit of company. Hey, a month parking lot. But she felt the car its own identity to open high-level point. Not to mention open a Charade, is to open a Audi I have not seen who knock nine of whom three worship. In addition to seem a little silly than others outside their own no other function.

Another time, I met the little girl was 4,000 a month income, car loans in the program. So I asked her: little girl, I've got to do business, their work on time, Metro and convenient to buy a car do? Like a long time, it is estimated could not think of a reason to say: Sometimes things go to the supermarket to buy it, they feel a taxi near the point is not worth the walk but far from the point. So drive yourself go! I almost did not hear disgusting. You drive to the supermarket to buy instant noodles do not feel sick it? Equipped with cellular phones to Jianla Ji, also Jianla Ji's! Do not think that buying a car can prove anything.

example, I now own business, busy day, walked about 4-5 places, see many customers. But I do not buy a car, why? I hit that car with the move to, kick left, no place to worry about parking, do not worry about hanging a touch, and without fear of being a thief stole a tie, whether rain has hung the wind driver. Bumped a traffic jam if you can get off the subway. Year also more than ten thousand pieces RMB! Buy a car! Parking fees had more than ten thousand a year! This is not silly it? Do not buy a car

that car, there are countless people who can be mad to go borrow money to buy? Must not be too miserable to die like their future! Buy it, buy a not finished raising interest rates? Oil prices are not crazy? Parking and is not expensive? Regret not it? A road car to sell on value plunges also sell the right? ?

tell you that oil prices have to rise. Must be the same as oil prices rose and dollars. Hey! You take the old U.S. 1 / 10 of income, and others a raise gasoline prices. I see that you do not have to se.

final say, everyone is not stupid, there was only a stupefying education Jinong Han. Silly point does not matter, but the thing off your life you still tight with the point, many figured the relationship between the economic interests of plan! Other end of the day, real estate have fallen, oil price rise, the money to pay the rest of my life took a diploma, or what what is not dry, for several decades to pay exorbitant taxes and levies also what what benefits do not. You can not just spread loss of hundreds of thousands.

what was said? Oh no way, can not live without a car you, good bus crowded Yeah. I say all is vanity educated fools doing strange. You look at me, just rent a house to live more than a thousand pieces a month, it is equivalent to some property costs. If you want to get married I have 3-4 thousand of affordable rent, furniture, decoration one should be full. Which also convenient where I live. Do not want to move on long-term lease. Also a kind and pay property charges. Province of the banks also vain loans, interest, down a lot. Something hit the car, right on the subway, a year ten thousand days, and also saved a garage fees, parking fees, fines pile, oil prices rose 10 Lehe also not delay 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 save the tens of thousands of tuition to.

course, some people will say: You do not even have a house to buy, specify get married. I thought to myself: I do not, you think you have ah? Some people say that renting is not worth the rent is over or someone else, hey, you think to buy a house but also for decades loans paid off is your, ah ... ...

Please cherish the true love of your woman

really love your woman , is the most extraordinary women around you are willing to pay for your silent woman ;
really love your woman is with you a soulful look at the frequency you smile , also look to see if life is not enough ;
really love your woman , is separated , always miss , like the moment you eat it? want your mind, and think you also like her to like you miss ...
really love your woman is around you , you are everything ; you are not around when everything is you you is her day , is the pride of her life .
real love your woman will think you are the world's most handsome man , despite a scrap of other men will not care about the age gap, you will not care about how many head of white hair , she would carefully pull for you to life to the traces you leave behind , will be as precious as the collection together .
really love your woman , she care what you say , would you be jealous, would you like a baby to occasionally point of little temper , then you do not care , because she will not hold a grudge, you make a small step a little , she would Poti and laughed .
really love your woman , is hard when you have nothing love you, not because of money and the temptation to leave you .
. really love your woman, you can block the death of a woman !
really love your woman , is repeated to accommodate , habits your habits , inclusive of your shortcomings, even if you do not have experience, she believes one day until ...
happy brothers , please cherish your side so that the woman you love this woman ...... although rarely .....

I became a city of people !

When browsing the web today a city of people into the community , when the home was open around the recent interest in activities and interest groups to discuss hot drawn to the home page through the log , albums and other friends learned the city 's living conditions and the same City information.

many people interested in the group information of interest , the topic with city friends to share, discuss , and make into a friend . Interest group activities in the fashion of the city is also very rich , some people still participate in the event received a gift in kind oh !

in 60000 , we found friends log albums and interest groups within the information was very easy to browse , but also convenient to write the log , upload photos , gifts , to do the test , hello design is also very rich.

city of people on a city for the dimensions of the real community , so that we come from online and offline , in the real world together to explore the exciting real life . Join now!