Chapter 1501 Lao Zhang Crossed the Border (Four/Ten)

"Old Zhang, the housing prices in our country have risen so fiercely in recent years."

Zhang Ruiqiang squinted at Feng Yu: "Why, are you saying that you have made a lot of money in the past two years?"

Taihua Land, a real estate development company under Taihua Holdings, integrates all the real estate companies that Feng Yu held in the past, such as Taihua Supermarket and Bingcheng Pharmaceutical Group.

Everyone said that Taihua Land's houses are of good quality, complete procedures, good properties, and not too expensive.

Feng Yu shook his head: "I went to the stock exchange in the Magic Capital yesterday and found that the stock price is rising rapidly, but the house price is rising even more rapidly. Not only the Magic Capital, but also the housing prices in Beijing, Yangcheng, Hangzhou, Pengcheng, etc. Don't you think this will cause people who need to buy a house to not be able to buy a house?"

Housing prices are rising, and more and more people are speculating. All kinds of house brothers and house sisters have several, even dozens or dozens of houses under their names.

These houses are obviously not their necessities, they are used as investments to collect rent.

If it is a real estate such as a retail store or an office building, it is normal to use it to collect rent. Most companies are used to renting an office, which is much cheaper than buying it.

However, many people still want to buy a house like a residence, rather than rent it. Buying a house is a home, which is an inherent concept in China.

Now many young men want to marry wives, the other party will ask you first, do you have a house? If you don't have a house, what kind of home is it? Who has rented a house with you?

The rapid rise in housing prices has nothing to do with these real estate speculators. Of course, Feng Yu believes that there is no strong regulation above, and the lack of supervision has a lot to do with it.

Not to mention these real estate speculators, those developers are playing tricks.

For example, this person bought a pseudonymous painting, sent it to the auction house, and nominally auctioned it back at a price of 50 million. Of course, in fact, he didn’t need to give the auction house that much, and he would have done it for hundreds of thousands.

This time, with the appraisal certificate from the auction house, this fake painting has become "real".

Take it to the bank, get a mortgage loan, and you can get a minimum loan of 60%, that is, you can get a minimum loan of 30 million!

With this 30 million yuan, go to auction the land, and then use a shell company to take the land, make a development plan, and find the relevant units of the political axe for approval.

After getting the approval, he can't develop it himself, and he can't even find a decent engineering team, and what if he doesn't have the funds for development?

Now it is not allowed to use the project land as a mortgage loan to develop this real estate.

It doesn't matter, sell it. Some are wealthy developers, they have nothing to do, and they can't get approval.

After changing hands like this, the original one spent hundreds of thousands and made a business of tens of millions.

In order to make a profit, he always has to increase the price. The land is auctioned and the price is relatively high. Going through the approval process, will it cost money to set up a grass stage team? Then make plans, run approval documents, formalities, etc., and also need money? In addition to his own profits, as well as his favors, bank interest, etc., the price of this piece of land has risen a lot.

The developer who got the land for development, if the funds are not enough, uses other projects as collateral for loans. And their development cycle generally takes more than one year, and some even take three to five years.

It's not that they must not have the funds to develop it, but they are waiting on purpose. Tow within the time allowed by the procedure. Because the money can be used for other purposes, the construction cost has not risen much, but the land price has risen rapidly.

Three years ago, a house of the same quality sold for 5,000 yuan per square meter, but after three years, it would sell for 8,000 or 9,001 square meters. In the past three years, he only needs to provide a small part of the funds for the caretaker.

Of course, his land was there, and he didn't realize it quickly, and his funds were under pressure, but it didn't matter, he wasn't bad money. If you have money, you can take a loan.

Plot A cannot be loaned to develop plot A, but plot A can be loaned to develop plot B.

Developers want to make money,

The construction side wants to make money, and the sales side also wants to make money. Everyone wants to make money. So whoever makes money is the one who buys the house.

When Huaxia regulated housing prices in the previous life, housing prices were already very high. In this life, due to Feng Yu's advice in advance, those who speculated on the property failed to succeed again, but there were too many workarounds, and Feng Yu couldn't think of them one by one.

"Feng Yu, do you think I can take care of this house? It's up to Jianbu to take care of it. I don't have the ability to reach out."

Although Zhang Ruiqiang is in the limelight, many people say that he will definitely enter the game in a few years, but that is a few years ago, and now Zhang Ruiqiang can't control those things.

"Old Zhang, you have to go up anyway in the future. Give your opinion first, and you will clean up the mess in the future. If you have more, don't worry about it, just check the developer who sells the project directly after approval. That is, the loan for the second home should be increased, and the third home should be further increased, so don’t give them the opportunity to rent to support the loan.”

"Then we need to check, people with multiple houses, how did they get these houses? And the vacancy rate is so high, why do they need to develop new real estate? Are those local political axes, other than selling land, there is no Is there any other way to generate income? Don’t know how to develop the economy to make money? Don’t know how to support some small and medium entrepreneurs?”

"Think of the original island province. The real estate bubble over there is still vivid in my mind. Let's look at the real estate bubbles in the United States, island countries, Thailand and other countries in Southeast Asia. Once they burst, how much impact will the economy have?"

"I once asked me if real estate could become the country's pillar economy, and I shook my head. In a short time, real estate can drive many industries and effectively promote economic growth, but if it develops like this, it is very easy Form a false prosperity, then it will be a bubble and it will collapse!"

Feng Yu remembered that at this time in his previous life, there was a city in the northwest that was rich in cashmere sweaters. After the discovery of minerals, the country was ready to vigorously develop it. Then a piece of money swarmed away, that is, real estate speculation.

Until Feng Yu was reborn, there were still many ghost buildings. Every night in a building, only one or two households have lights on, and some even have no lights on, and none of the properties!

What do you say the rest of the buildings are used for? Mortgage to the bank, the bank can not sell it. The loss of the bank is not the loss of the country?

The expression on Zhang Ruiqiang's face became a little dignified: "Is it really as serious as you said?"

"If there is no regulation, it may be more serious!" Feng Yu's words are definitely not alarmist.

Zhang Ruiqiang sighed, this time he couldn't say that he was going to cross the line. But now that he knows, if he doesn't do something, he won't be able to get through that inner hurdle himself!

...(To be continued.)

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