The so-called subprime mortgage crisis is actually very easy to understand, that is, duplicate loans, this matter, that is, the Yankees play. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

The United States, as the Yankees themselves know, is a consumer-oriented society, so what if there is no money for consumption in such a society?

It's very interesting, Luo Yaoxiang has lived in the United States, and he knows the situation in the United States, that is, you have no money, it doesn't matter, the bank will help you find a way!

As a simple example, if you're in the U.S. and your credit card hasn't been paid back for a month, then ......

Don't worry, the bank won't chase you back, but of course the bank won't do nothing, what will they do?

"Sir, have you been short of money lately? It's okay, we can lend you a loan......"

By the way, that's it, it's really like this, the banks in the United States will take the initiative to come over, not only will they not ask you to pay back, but they will also lend you money!

This matter, we Chinese with deposit habits, almost can't understand, but in the United States, this is commonplace, consumer-oriented society, that's it.

Therefore, it is clear how this loan crisis came about.

No money?

It's okay, we'll lend you a loan!

What about collateral?

House! The house is going up right now, how wonderful!

It's just great!

A house was originally valued at $200,000, but now, it has risen to $300,000, so good, our bank can let you get a subprime loan and lend you $80,000, how good do you think?

The value of the collateral of 100,000 yuan, the bank loaned 80,000 yuan, and the bank was equivalent to a net profit, which was shown on the accounts.

The subprime mortgage crisis came out like this, until those individuals really had no possibility of repaying at all, and many such people appeared, and at that time, the bank was numb!

The real puncture of this crisis is actually done by the banks, that is, the Federal Reserve began to raise interest rates continuously, rising to more than 5%, 17 consecutive interest rate hikes.

Why?

Because the price of real estate is rising rapidly, in order to suppress this price, the Federal Reserve will inevitably raise interest rates, otherwise, everyone will speculate in real estate.

If the interest rate is too high, the loan will not be repaid, and then everyone knows very well that the banks in the United States don't care whether you can afford to pay back the money or not, they are desperately trying to lend out, this thing......

Luo Yaoxiang knows very well that this problem will become more and more intense in the future, and even a lot of messy things will be done, and the Federal Reserve will also fill this hole and launch a financial policy that has never been seen in human history...... qe！

Now that the subprime mortgage crisis in the United States has broken out, this financial tsunami is just around the corner, of course Luo Yaoxiang will not be trapped, and this has done the Li family again, Zheng Dashao is happy, so what should I do next?

"It's very simple, we invest in China, you see, I have laid out some places in China......" Luo Yaoxiang This guy also didn't pick the door, and directly explained his own operation methods.

"Invest domestically?" When Zheng Dashao heard this, Luo Yaoxiang's statement was ...... It's the same as before!

As for the previous move, in fact, to sum up, isn't it that Luo Yaoxiang is very optimistic about us in China, bullish, and then fooled the Li family, a family that originally had considerable advantages, to run abroad?

It's the same now, nothing has changed, but ......

"Luo Zi, there is going to be a big incident in the United States in front of me, I see a lot of financial gurus say, this loan crisis will be very widespread, very scary, and our Chinese side will not be affected?" Zheng Dashao is obviously not a straw bag.

"Of course, this matter has an impact, but this impact, real estate is difficult to be affected, especially next year's Olympic Games......" Luo Yaoxiang is definitely not an economic master, but he knows what is in front of him.

In the 2008 Olympic Games, China's housing prices soared, and they couldn't go down for a long time...... I haven't come down either!

In this, there is indeed such an appearance as the Olympics, but if you want to talk about the connotation, it is very simple, and then there is a 4 trillion yuan, where will the money go?

There is a very implicit low-cost concept of real estate in China, that is, there is no property tax!

Yes, many well-known big Vs are calling out there, saying that China's housing prices are high, and there are only 70 years of property rights, but the housing prices in the United States are reasonable?

There is a property tax in the United States, in cities like New York and Los Angeles, which is about 3%, which means that you have bought your own house for more than 30 years. As for other areas, you can also go to live and see, and see what kind of places they are, which are similar to our western Xinjiang, and the land is vast and sparsely populated.

So, to put it bluntly, many of us Chinese are very smart, see clearly, and know that buying a house is actually not very expensive.

Of course, if the economy can develop, wages will increase, and then housing prices will not rise, it will indeed make people feel great, but unfortunately, such a situation will not occur at all, and it is not in line with the law of economic development at all.

To put it bluntly, Luo Yaoxiang is ready to bet heavily on domestic real estate, because he knows that this is a very good opportunity to further expand his career.

Merely......

"Luo Zi, then I will understand if you say this, let's just continue to do that, but this real estate, I always feel a little ...... Everyone scolds real estate developers for being profiteers, right? "Zheng Dashao, this guy...... Face!

So what about it......

"It's okay, are there still fewer people who scold me? By the way, I have a project recently opened, if you are interested, you can check it out. "Luo Yaoxiang, this guy, is completely a cross-eyebrow and cold-eyed manner!

This one...... Could it be that Luo Yaoxiang is really so shameless?

It's really not, because of Luo Yaoxiang, he has already done things before!

"Great news! Efes Square opens with a big offer! The average price is 9000! ”

"It's a big deal at the opening?!"

"We at Efes Square solemnly promise! Absolutely not to cover up the sale! All listings are open! ”

"Huh? Really? ”

The project Luo Yaoxiang said, in the capital, is the square that the cottage people are engaged in, which is equivalent to a commercial house, and then there is such a situation as a shop, so now that it is open, it will be given directly......

9000, this is the capital, is this still the capital?

Well, although this project is outside the Third Ring Road, it is indeed quite cheap, at this time, although the house price has not yet taken off like a rocket, but at such a price, it is difficult to find in the capital.

It should be said that this time is just the rising period, just beginning to exert force, and the overall average price of the capital is now more than 10,000, and this project is in the third ring ah, only sold for 9,000, which is simply ......

"Luozi, I'm going to see it, oh mom! Can this make money? Zheng Dashao was curious, and took a look at the project, but it scared him!

Really, I don't know if I don't see it, I was shocked when I saw it, how could it be so cheap?

And Luo Yaoxiang smiled slightly at this time, "100% earning money!" ”

This matter, in fact, the overall cost of real estate development, everyone understands, land is not cheap, but the construction cost is very low, as for the land acquisition, you naturally have to do some up and down care, this matter, to be honest, can not be avoided, as soon as human beings start to engage in this real estate, then there is no way to avoid it.

But fortunately, Luo Yaoxiang is a guy who compares it, he has Ye Chu to help him, and state-owned assets to enter, so in this regard, the cost is not much.

This situation is a bit like Vanke, in fact, Vanke is a state-owned enterprise at all, and it is full of state-owned capital, banks, China Resources, such companies hold shares, so Wang Laoshi dares to shout, I haven't given money at all!

Of course, he doesn't have to give it, he just works for that side......

Luo Yaoxiang: This is still the land from the Li family.

Then, at this price, 9000 is definitely profitable, and it makes quite a lot, from a cost point of view, it is not worse than fan poison.

In addition, in fact, Luo Yaoxiang also borrowed from Wanda's model!

"Those shops are not for sale...... Luo Yaoxiang still explained to Zheng Dashao.

"Oh?" Zheng Dashao is a little bit like that, but however, he has not heard of this technique.

Rent, don't sell!

Shops are not sold, but only rented, so what does it take to rent out such a shop at a good price?

People!

There are people who have an economy, and the economy is a human activity. Therefore, such a new project, of course, Luo Yaoxiang has to sell it quickly, so that there are more residents and more people, so won't the shops make money?

This is Wanda's means, in fact, Wanda's houses are in many places, which are not expensive, most of them are sold at a local average price, but in shopping malls, people don't sell them, they do it themselves.

Luo Yaoxiang explained these things, Zheng Dashao is not an idiot, it is easy to figure it out, the profits in this are quite considerable, and those shops, they are all real estate, with the rise in housing prices, it will appreciate, and ah, this thing can be mortgaged to the bank for loans, and then use this to develop new real estate!

"Oops! Luozi! You're just amazing! "Zheng Dashao, this guy really admires Luo Yaoxiang at this time, and he will be mixed with this Luo Zi in the future.

Is this a mule? This is the Golden Horse!

And, the most important thing is that Luo Yaoxiang's real estate is sold cheaply, so ......

Can the common people scold him?

Of course, there must be scolding, no matter how cheap it is, it should be unaffordable or unaffordable, but it will definitely be a minority, maybe many people will think that Luo Yaoxiang is a good person and a good businessman.

Luo Yaoxiang is doing quite well in this real estate business, but in fact, he still wants to sell it cheaper, but he was stopped by Ye Chu, because Ye Chu told him that if you sell it too cheaply, then it's okay, if you want more people to live, this thing can't be done.

Because it's too cheap, it will attract a lot of wolves, and it will be fired and hoarded by many people, which is profitable......

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