Chinese human are {above|aboard|ashoabove} the 4 w

- Hong Kong, China well-known economist ...

99% of Chinese white-collar operators to bankruptcy, but why buy a house! - Lang


largest when: buy a house
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 team 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 alleging, and even still you press on a weekly account of the notorious fasten, any abuse of the public when you will know what despair!
depicted the Chinese real possession has a renowned joke is written favor this:
ago, there was a lot to the landlord, to find a lot of permanent work, and the owner to cover a number of long-term workers who lived in building unity, one day, the landlord's advisors on the owner, said: union, long-term workers were on hand in recent years a little money, and they live in your house, the every month pay Zuzi, value, anyway, they will never supply to live, do not you fair sell them the house from a tricks is shrieked - public houses for bargain! Tell them the house they never go, you can retention them money behind 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, phoned the treatment fee! Landlord fast implemented, and made a lot of money, long-term employ are the happy ah!
a few years, the landlord of the village into town, and the rich speed up, no place to live, advisor to the landlord, said: club, long-term workers were on hand and money in recent years, we give them build a new house, called from a transformation of the old tricks, they handle the money to us, we dragged 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 throat to the abdomen, the landlord has made a lot of money.
A few years later, the landlord of the village developed into a big metropolis, and the rich more, the landlord of the land more expensive, advisor to the landlord, said: club, we put these long-term workers house demolition, and construction of villas in this place, to cover the demolition of a house sold out of the rich who can acquire 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 financial accommodation called tricks, and then we built our barn afterward to the house, from a tricks called affordable housing, they built a carriage road to permit them to buy over there alive room, the landlord said: how do they have enough money? Advisor, said: the banks borrow from our household before them, 6 points a year profit, but also nothing if the money begets money the Cubs, not anyone hazard, the landlord has carried out, they get the money long-term root, 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 advertise 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 whereas a bit amplified, but in truth 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, seaming machines, bicycles truly successful people can wed a wife. 70 years advocating that people have to buy four fashionable pieces: television, refrigerators, rinsing machines, telephone equipment can be considered to succeed as a wife have kid, memorize the thousands of dollars to install a call, but ah (per capita earnings of fewer than 200 town ), when tens of thousands of Beijing, Shanghai and more a time, had to take a people digit line up to buy, and buy a house today, how it is alike?
and today all the shit in this set of scholars began to fool the people of the old trick: the new criterion white-collar, successful people choose a new small size X ring X Road, X ring X Road, residential and advertisement type. After you receive hundreds of thousands, must charge you a monthly rent (the new property fee), bank interest, and various sorts of pardons to raise interest rates, policies, and so on. In short you do not be afraid to decease, 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 watery!
second when: Employment
When someone eventually began to sigh: the year when the educated youth, when people are laid off behind no way out, no one can sit-in protest ignored, can only be reduced on the streets also were compiled heroic song smile at life, start over the time. 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, subsidy insurance, XX insured it? Oh, I float 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 pique ... ... More than that, you think to the age of 60 you can get really old-age insurance yet? Not out of the sky and 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 aged to get a pension old of 60 is because there are 5 people for an old man! And after our generation growing old is a person for the two of us old people! Money get busy? Did not come! If you are able to live to 90 years is estimated to receive some of the old-age insurance, hey You catch on it. But even so, parents are still mad and put their children to a variety of enterprises in the delivery of state-owned elements, to me it all has such examples. A far relative of my home, find the relationship between haul friends to spend seventy thousand dollars to his son via an open recruitment crew 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 calling, I said,GHD Boho Chic Limited Edition, a good brush, you earn a lifetime forbid on that does not back that 70,000 first wash nap 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 morality, could not help the nausea, Made in salary, profanity Yeah, I is not dine or beverage until the white dry-back 10-year cost. So I had that fellow a privately intimidated, frightened that potbellied X no longer afraid to admit I am chief. I just have to have: away from family.
I wanted to do not know? Chinese folk ye so fatuous? Such a superstitious country word it? Wake up, thinking that the line namely no natural? Prior to his go 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 warranty and Han, insurance, and then save up your money most insurance will absence it.
third when: Education
a diploma worth? A diploma worth? A diploma worth? Top of the publishing 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 many rent a class a semester? Hey two students enough. ,GHD Precious Gift Set! Hey! China Education Why the hell you receive so much money,GHD Diamond National Flag! ?
Hey! The people are! Why should we be fooled? Because the small verdict class told us was agreed savant prestige. Oh sorry I am wrong, is it honorable to go to college. Why do people think about but never go to reputation? Why is glorious ... ... University scholar and how not consume!
you understand who your baby is educating it? In China are generally incapable to adjust to society, people would chance a pedagogue, for instance. Some period ago I for a project, ascertain a few academy students doing master's program. The results are very few people stupid, do not give you full attention, you have to abdicate it to work, but too to the documents obviously a typo, not to change, so you detect even told you seriously, is it not his mistake , you give is wrong. Little sense of liability, ambition not consider if an array to things and do asset alternatively to do 1 thing and doing asset. I was quite tranquility to reason with them: you have to learn to think because others, the results of re-thinking people want to do things, otherwise it is impossible to survive in the community. Results of those few, said: we do not work to the community, we test scores nice enough, we are residing in educate to a preceptor. We had naught to mention the wrong, how do you arrange how we do, do not you arranged because us not to do. This is our reputation and principles. I said: If you work to the gatekeepers, the boss did not arrange for you to work while you do not bolt arsenal lock it? You chilling you? After your baby is below the guidance of such a person learn and grow. You ease it?
cohabitation is no prodigy that campus, 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: a car
Chinese people outrageous? Buy a motorcar? Why buy a car? ? ? Of way, you not only have money to spend, and how you adore 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 maximum people do?
I used to have a colleague
live North Second Ring Road, in Xizhimen there. Most probably take the subway to work every hour. May have to buy a second-hand Charade, 8:00 each morning to begin on the road Duzhe, then moved a little bit of enterprise. 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 discerned who beat nine of whom three adore. In appending to seem a little stupid than others outdoor 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 queried her: little girl, I've got to do business, their work on time, Metro and handy to buy a car do? Like a long time, it is estimated could not think of causative to say: Sometimes things go to the supermarket to buy it, they feel a cab near the point is not worth the walk but in no way the point. So pedal yourself go! I almost did not listen nauseating. 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, punt left, no place to fret about parking, do not worry about hanging a touch, and without panic of being a bandit stole a knot, 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 do not buy a car
said, there are innumerable people who can be mad to go borrow money to buy? Must not be too wretched to dead like their future! Buy it, buy a not finished raising interest rates? Oil prices are not crazy? Parking and is not valuable? Regret not it? A road car to sell on worth plunges also sell the right? ?
tell you that oil prices must 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 heave petrol prices. I see that you do not must se.
ultimate say, everyone is not stupid, stupefying education Jinong there was only silly. Silly point does not matter, but the thing off your life you still firm with the point, numerous 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 recess of my life took a diploma, or what what is not dry, for several decades to pay exorbitant tariffs and levies also what what benefits do not. You can not just scatter detriment 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 curious. You look at me, just rent a house to live more than a thousand chips 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 buffet the car, right on the subway, a year ten thousand days, and also saved a garage fees, parking fees, fines stack, oil prices rose 10 Lehe also not lag things. I ran the university did not finish, while the mall a self-study while planning to flee 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 know next to nothing ofmeone another, hey, you think to buy a house but also for decades loans paid off is your, ah ... ...

99% of Chinese white-collar workers to bankruptcy, but why buy a house! - Lang

this figure, but it is bound to happen, not alarmist. persisted to inflation and reform fathom in exchange for economic development. and each time the aches of reform brought to bear by the people, whether it is mountainous and rural zones of the educated teens were disturbed, or when the reform and opening up have brought about a large number of state-owned enterprises collapse when a large number of laid-off workers. if they can have some forward-looking, then I think they might stay a little direction out for themselves, but because over-confident and over-confident life will not document mutations, thus causing the misadventure of their lives .
Some say the government will not sit idly by pearly bankruptcy, the Government has of course not. how can I say some things .... I think back to the laid-off workers right. caused so much social turmoil. but also what? bankruptcy today, morrow, when white-collar workers as it can.
and 20 annuals of reform and opening up, China's fast economy development take off, but the old system does not completely change. a variety of momentous industry is still in coerce is a government monopoly system in action, such as: banking, finance, metallurgy, vigor, information, transmission, health concern, schooling, land reform and beginning up in the country tin not be entire of these entities in the reform and opening up, but today, the monopoly brought about along the ever more pronounced.
bear the brunt of the real estate because of China's valid system is not faultless, principally in the field of finance and reform, the emergence of a variety of errors made by real estate has been rising. With the increase in real estate and foreign population concentration in large cities So is the new urban workers so-called
1: cause prices soared, the first factor: Bank loans under the open rivalry
In fact, housing prices soared
main factors for the Government because of the people in the pay of the mistakes, such as a developer before a bank loan by 10 million to develop a house if he does not melodrama on 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 opening a hole to the competition between the banks so the ICBC Agricultural Bank of China, Construction Bank to manipulate independently and so all this is a good thing,GHD Black Styler Straighteners, but the problem is that these banks are not personal, but the country and we is not difficult to imagine when a developer 10 million from the bank loans to the consequences of his 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 to develop a higher house prices come CCB 40 million mortgage loans. is a snowball's crazy borrowing model.
obtain out of the house you serve is not important, the opener is the price higher, not lower prices. Anyway, the bank's money is not private, so a tiny bit to clear the premier attach with dissimilar So certainly do better and better mortgage loans from banks.
then this result is that house prices do not just mount 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 plug the funding black hole is to buy some of the specialists, the medium began to build public attitude using a variety of media mania method 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, leadership people to have to buy a house. in fact, can not live in this city it was impossible, urban dwellers is replaced by a new old course, to go to work to live the city, the suburbs like to live in retirement at the peak of the population outbreak will not appear on white-collar workers do not live downtown can not be the case, notwithstanding the media caused a lot of people buy a house, but only is the case, high prices have not even now off the jot now. Then the government made the second mistake.
2: prices soared, guiding to the second error: Chinese characteristics mortgage
mortgage would be a very renowned system in the West, is also very suitable, but this system is applied to China once a little problem because the big institutional terms, all banks are state, not private The so loans can not control this doorway is nourished by the time the file makes sense, people will be capable to honor to the article.
to the premier error as presently as possible to ease the financial black hole caused by the Government began to appliance the mortgage system to individual houses. What the United States constantly give to his wife and the Chinese woman's example to lure people to the mortgage. actually somebody Mortgage , and it is crazy mortgages and banks by the time a little to sell 1.8 million and this time they go to relatives or Mom and Dad bought, but also with their own way out of the mortgage down disbursement 300,000 loan from the bank 1.5 million and then on the matter, they do not how to do the loan? Banks love accumulation dictate. Anyway, I'm not under compact can take away your money on the house, we have two incompatible less.
so turned nigh, raised several times the price of the house back to the hands of the government back to the bank. This explains why a lot of new real estate repair was the beginning of They are not fried gambling house will thankful. but took a house to neat up the banks.
bank got the house how to do? scared to mow prices. had to increase some value and then sell, so do not even think about mediocre people immediately buy actually reasonable price of the house! Even if you buy directly from the hands of developers to the house might have switched hands several times returned to the hands of the banks and developers. frankly immediately 8000 / class house, there are only 2,500 is the price, 5,500 are thought decision mistakes occasioned by monetary dark aperture! that you are restricted to the hard working backside.
3: The third question: white-collar families when bankruptcy?

we study why the house prices up, repeatedly see at the so-called white-collar families in Chinese cities the prerequisite of bankruptcy.
first foreign white-collar income is really high, but high value. The Chinese called the white-collar workers are generally penniless quality of Chinese enterprises serious inner friction. all with light, all headstrong, so no wonder that foreign companies entered the China market began to exclaim: I am also fully understood. that some people would say: a amount effect of bank losses through a lot of money a few hands went to the market in China, these people began to invest in other areas of crazy, because they knew that real estate is about to collapse. they are so round and circular The investment prosperity is quickly absorb the funds, they invest in the Internet, high-tech investment, investment and entertainment, investment many, many, but at fewest enough to pay wages to employees or pay monthly rent on a house for it, so it is because housing prices so high China's urban population created a relative increase in remuneration levels. do not trust you do the math in your average income of urban white-collar workers, once paid the monthly housing money, how much will be left to the hands? I think this problem is not me wordy it. you several psychological, so I can say thin a little while the real estate crash that followed the collapse of your wages.
I know there are many, many white-collar workers who have bought the house, and their analytic is simple: buy a set too! Basically, a penny saved for it, even now the save point also keep up with normal inflation rate. The answer is if will maintain the status quo, then, in methodology, should be all right you two decades earned money just to make the government two errors with the loss.
but the problem lies here. WTO5-year grace period with the end of 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 the United States deposited in HSBC. What about that time who are willing to put money in the amount of bad debts so many Chinese state-owned banks? how to take measures even if the Government could then run, so what will happen when the time is hard to say now, but One thing is decisive is that the Chinese state-owned when the oppression of these banks will become very large the loan would be more complicated to add, because banks have no money to credit! the same time a large number of foreign-funded enterprises with high-quality human resources must be brought into China market and the lusty shock of the collapse of a large number of existing enterprises and white-collar unemployment. thin a moment foreign to combine the competition, China's existing 99% of white-collar workers will face a large context, employment pressure!
and foreign banks started to provide in once the amassed asset in real estate, then normal operation because they are made out of the house so the process will be cheap, must increase its citizen real estate dripped sharply. as I said, the Housing prices have fallen, or is emulated by the business in your wages! can you buy a house before the lend will not dilute or decrease the price, so you will be unable to pay lofty loan then your house will be bank take away, your deposit will be frozen instantly, so the hereafter of Chinese cities may be the greatest white-collar workers and a few decades ago, like the Chinese state-owned undertaking personnel. hard 2 years, in the end 竹篮打水一场空!
how to shirk bankruptcy?

see where you should understand, do not buy a house is a good way to avoid bankruptcy, but I would also like to caution 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,GHD MK4 Gold Straighteners, this really little efficacy and now people a jaws first sentence is: that even the strength to swear no. Mizuki weeks in Baidu also post it in this post-ping said: sell your house does not belong to you and rent you What is the distinction? (laughs). not to mention the same property and the robbers who forced evictions of people wrong! This is not simply has indicated that the promulgating 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 final 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 more and more housing, pile up crazy! such as brick homes have recently advocated the price is not expensive at all say: Such species have evolved or not sick to eat or drink does not move and do not dress dead father and mommy had not used for conservation brick home may really be the case. Therefore,GHD Hair Straightener, we pay care 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 occurring Short is two years or by the time ten years, but this is irreversible trend, so 99% of urban Chinese family has been facing bankruptcy a white-collar workers that is not alarmist! today, you pay the bank money is for the Government of each housing delivery for real estate speculators who fill holes, only a small chapter of the real Housing money tomorrow environment for a change, 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 does not believe?'ll see prayer! - PS: Why I said 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 to buy. sweethearts do not understand what is going to buy this miserable life would I just feel melancholy for them of course if you are that 1 percentage of the wise, than to argue them to save it. unattended Better Together