About Dalian housing prices

I feel that the housing prices in Dalian are indeed a bit outrageous. The people have worked hard all their lives just to build a house with a few dozen square meters as a place to live, and they have spent most of their lives paying for loans with their hard-earned money. In this way, the hard-earned money flowed into the pockets of developers and certain powerful people. From this point of view, most people, except entrepreneurs, businessmen, and officials, only live for work and work only for houses.

House prices in Dalian are indeed too high, and are increasingly out of proportion to the income of working-class people. Housing prices in Dalian are rising in an abnormal way. More and more locals are moving after their houses are relocated. It is no longer easy to return to the place where they originally lived. This is a disguised eviction of the working class and disadvantaged groups. The government and developers take the lead in evicting these people from their original place of residence and move them away from the city center. relatively low place. The newly built high-priced houses in the city center are sold to high-income earners and wealthy people from out of town, thus realizing the division of living areas between the city center and the suburbs, and between the rich and low-income people. In the future, there will be fewer and fewer Dalian people living in the city center of Dalian and the Shandong people who settled in Dalian a century ago. Rich people will live in the city because developers need them and the government needs them even more. This young city with little cultural heritage has become even more devoid of its own culture. This short century of culture has been sold and cashed out by those in power, speculators, and instigators. I don’t know if the price is reasonable. , whether you make money or not is not easy to calculate. How many people have not learned the conversion formula between culture, people's livelihood and currency.

Don’t use Dalian’s per capita income as an excuse whenever someone raises housing prices. Officials like to use simple average calculations, which can cover up many things. A civil servant can calculate the average with five needy households. The income of an entrepreneur is as much as that of 100,000 ordinary people. Even if the average comes up, the 100,000 ordinary people still cannot afford to buy a house. Only those with dementia believe in averages.

I once discussed housing prices with a high-income leader of my work unit. I said that Dalian people can no longer afford housing in Dalian, and the government should pay attention to the living conditions of Dalian locals. But he said: "In a market economy, the fittest survive. People who cannot afford to buy a house in the city should not live in the city center. It has nothing to do with the rise in housing prices caused by outsiders coming to buy houses (the leader is also an outsider)." With just this sentence, I realized that I did not have the same language as my leader. There was only a gap in class, income, and living conditions. In my humble opinion: Phrases like "survival of the fittest" and "the strong eat the strong" may be more suitable in the animal world, but I don't know if they are suitable for humans? Is it suitable for a socialist country? Is it difficult to be suitable for a unique socialist country? I am just a common man in the city, with little education and little understanding of politics, and I dare not read a number of noble books such as Das Kapital, the Communist Manifesto, Marxism, New Democracy, and the Thoughts of Great Men. However, when state officials are not socializing, they can light up Chinese cigarettes, sit still and read through guiding documents such as the Party Program and the Party Constitution, which provide an outline and top line for the development of today's society. Be sure to sit tight.

After reading an online expert’s comment on China’s housing prices, I pondered for a long time:

(The following is reproduced online)

The truth about housing prices!

A speculator bought a 100-square-meter commercial house last year. The opening price was 5,000 yuan/square meter, and the total price of the house was 500,000 yuan. Loan 80%, down payment 100,000. A few months later, they raised the house price to 8,000 yuan/square meter. Worried that no one will buy it? They have no intention of selling it! ——They sell the house to themselves! (In the name of another person, of course). At this time, the total price of the house was 800,000, with a loan of 80% (640,000) and a down payment of 160,000. By remortgaging (or repaying the loan in advance), he sold the house to himself and paid the income tax on the difference.

At this time, let’s take a look at the result: This person earned 300,000 yuan in price difference on the house (because he used the bank’s money to repay the bank’s money), minus the second down payment of 16,000 yuan. Ten thousand and a little bit of income tax, it has already collected 140,000.

And at this time the house is still in his name! Its only burden now is to repay a loan of 640,000 yuan, which, plus interest, is a large sum. But what does it matter? In the worst case, if you can't repay the loan, the bank will take the house back? ! It still makes 140,000. If it can still find a buyer, even if it is sold at the second transaction price (usually higher, it will show you the purchase price in the purchase contract), then it will at least get back the second down payment of 160,000. . So after this round, it made a net profit of more than 300,000. Of course, there will be some transaction costs involved, but they are negligible compared to the house price.

The questions arise:

1. Can they raise housing prices so high?

Answer: Yes. The fundamental reason is that the developers themselves are mainly involved in this activity. Generally speaking, developers will have an internal subscription before the official launch. Through this internal subscription, the developer will know roughly how many real home buyers there are. Based on an uncomplicated algorithm, they know how high housing prices are and how high there are real buyers. They use this to determine how many houses can be left for safe speculation. In most cases, they can at least earn the amount of the round of speculation they sold to them (corresponding to the 140,000 above) without leaking the truth. This is because there are real transactions that cover up such fake transactions. In this round, there are two direct victims, one is the subsequent home buyers, and the other is the loan bank; the former has to obtain a place to live at a much higher price than the early subscribers (in fact, up to now, the early buyers The subscription price has also been raised) They have been shackled by developers and speculators for most of their lives from the time they purchased the house, and they have been slavishly enslaved throughout their lives; The latter (banks) will bear greater risks: if the real estate speculators are unable to transfer the house to real buyers again, then this will cause a bad debt - the speculators (developers) have already taken away a large amount of money from the bank. A sum of cash leaves you with a house that cannot be resold. More importantly, you have no way to recover the cash because the process appears to be legal. Senhao Apartment's false mortgage amount of more than 600 million yuan was exposed. It was not because the hype was too fierce and the amount of funds was too large, but because they diverted the speculated funds for other purposes, resulting in unfinished business. If they used part of the huge amount of fraudulent loan funds Once this building is completed, this hype will be safely shielded and become another invisible hand in the rise in housing prices - everyone can only see the skyrocketing housing prices, but not how much property has fallen into the pockets of developers and bank officials.

2. Are bank staff so stupid?

Answer: No. The reason is that there may be collusion between developers and bank insiders, and some bank insiders involved in this operation do not hope to make money for the bank through home buyers paying loan interest. Frankly speaking, they may be participating in sharing the spoils—— Chinese real estate developers know how to feed them. So, essentially, they are stealing ill-gotten gains from developers, passing the risk on to the national bank, and it is the real homebuyers who are footing the bill. Once real home buyers are unable to buy this huge order, banks will be in crisis. At this time, it is the people of the whole country who are footing the bill, and the country must inject capital into the banks to eliminate bad debts. Where does the country’s money come from? Print money! What's the result? Inflation and soaring prices make people's money worthless. In other words, people's money has been robbed. By whom? The state took over and plugged the leaks, plugging the big holes created by developers and certain bank officials. This hole is so big that if it is blocked, it will be an ugly scar, and the pain will always be felt by the people.

3. Why does this happen in China?

Answer: Corrupt officials. All kinds of weird, bizarre, disgusting, sad, angry, boring and helpless things in China can all be summed up in these two words. These two words, to put it more academically, refer to the personnel system. In China, although it is a bit exaggerated to say that no official is corrupt, it still makes some sense. The reason is that without early investment, you simply cannot become an official. Since you have spent a lot of money to climb up, is there any reason not to be greedy? Law is sometimes a joke in our country.

The courts are also run by government officials. If you don't hang around them, you won't be able to be a court official tomorrow. How did you get the official position in the court? It goes without saying! Therefore, under this personnel system, a breeding ground for corrupt officials has been formed. And bank officials are directly faced with money, which makes it even more attractive for corrupt officials. Everyone knows that the most prestigious places in any place are banks and tax authorities. Not to mention being an official there, just being able to sneak in is an enviable thing.

4. Does real estate promote the national economy?

Answer: Yes; very large. Developers/speculators and banks drive up housing prices. Although housing prices are extremely high, people have to have a place to live, right? ! In order to buy a house to live in, everyone has to work hard, which objectively promotes the development of the overall economy. However, although the economy has developed, the distribution of the wealth created has been seriously misaligned: the majority of people who worked hard found that the speed of making money could not keep up with the increase in housing prices. Amid the applause for the country's economic development, people were haggard and wasted their early years. hair. They look blankly at the rising housing prices and are at a loss; they don't know that real estate developers and bureaucrats are squeezing their sweat and blood bit by bit.

5. Is there anything we can do?

Answer: Yes. With housing prices out of control to the extent they are today, there are still experts who support them and come out to defend themselves hoarsely, saying that high housing prices are a normal phenomenon of the market economy. And some people who don't know the truth (except individual speculators) are also frightened by the rising housing prices, and would rather be shackled in order to find a place to live. Therefore, whenever there is a new house subscription, they are ignorant and follow it. Once the subscription is successful and the house price rises again, it seems that I have received more than 100,000 yuan before paying for the house. I am elated, as if I have got a big bargain. In fact, go sell it and see if anyone really takes advantage of you? In fact, you have unknowingly acted as accomplices for some developers and some bank officials, and you are also the victims, and you are still complacent there! You are just suffering less. You were punched once by someone, and someone else was punched twice. Do you deserve to be happy about this? If this is really the case, I can only despise you, because it was you who rushed to receive this punch that caused other people to receive these two punches. If we all don’t participate in the subscription, I believe they will not be able to speculate and they will not be able to grab social wealth nakedly. Therefore, I appeal to everyone and hope that everyone: do not participate in any form of subscription, and do not queue for any number.

Since the real estate market has been booming to this day, some developers and some bank officials have grabbed a lot of wealth, house prices have risen, and the house price bubble has become a reality. What we need to do now is to burst this bubble. We refuse to build our miserable life of slavery on this huge bubble. Therefore, I appeal to everyone and let everyone understand again: If we can not buy a house for the time being, don't buy it and maintain the status quo for the time being. I believe that if you do this, it will only take half a year to a year for these insidious developers and certain corrupt bank officials to be exposed for their true colors: First, there will be a large number of bad debts in the banks, and serious economic problems will arise in the National Bank. If this problem is not solved, The inventory will seriously affect the actual interests of other interest groups (remember, in addition to developers and banks, there are many interest entities). Once there is a problem with the national economy on which they depend, these interest groups will react strongly. They will use judicial organs to intervene in the tracing of bad debts, forcing bank officials to be interrogated to confess bribery, and then trace the developers who paid bribes. As usual, these developers will jump up and down the chain and start spending money to bribe the tracking officials. However, since these officials represent the interests of more groups, most unscrupulous developers will face a desperate situation. Some of the ill-gotten wealth will be recovered (if it has not been squandered). More directly, housing prices will tend to be basically reasonable.

What is a reasonable price? They are people who work hard with their hands - they are the real creators of social wealth, they can afford housing, the loans will not weigh them down for the rest of their lives, and they can still be in the mood to entertain their children after work. I can still smile a little on the road... These were originally basic living standards, but they were ruthlessly destroyed by developers and bank officials