After the introduction of Poundworld, a group of fake celebrities exposed the era of love to “fight” to win to the air.
However, the real evolution of this era in the name of “spell” is completed by the crazy house speculators.
At the beginning of April, a microblogging user named “ShenFangLi Renovation Team 003” published 102 copies of housing speculation materials in front of the public.
The accuracy of the materials and the details of the clues completely knocked down a speculator “Shen Fangli” who wandered above the luxury properties in Shenzhen, leading to a joint investigation by seven departments in Shenzhen.
Figure｜102 copies of the speculation material and members of the group
House piecing
Deep house, formerly known as Li Xuefeng, is a northeasterner who now lives in Shenzhen.
Since 2009 in shenzhen bought the first suite, basically as long as there is money in the pocket, Li Xuefeng is bent on shenzhen house implementation buy buy buy.
Seeing more and more income, more and more houses, Li Xuefeng became the head player of the speculative leverage to get rich, his “Shenzhen dream” also pieced together bigger and bigger.
He was enlightened and decided to do something about it.
Shenzhen Housing, formerly known as Li Xuefeng
In 2015, the opening of microblogging, Li Xuefeng transformed into a speculative philosopher called “deep house reason”.
Like the most active property market experts on the Internet that year, he wanted to create some kind of replicable road to success and talk through what is: Shenzhen, house and reason.
For a person with a vested interest in benefiting from the rising property prices, advocating that property prices will always rise and promoting the theory of uselessness of part-time jobs has become a mandatory course of study for Shen Fangli.
Photo｜Shenzhen Housing Theory’s Weibo
We do not know whether the lesson was well taught or not.
However, because he stepped on the point when housing prices were rising around 2015, many people who listened to him and bought houses became his disciples.
As a result, Shen Fangli quickly rose to become a “net celebrity” with 1.45 million fans.
According to some statistics, the number of members who paid to talk about housing reached more than 3,000, and 7 groups of 500 people were built.
Figure｜7 groups of 500 people, adding up to more than 3000 people
In order to consolidate and attract more disciples, SHENRY held an offline meeting for paid members in November last year.
He was proud of the event, which was “10 million per capita for 1,000 people”, and his Weibo signature was directly comparable to that of the rich Wang Jianlin: a small goal of 100 million.
Now, looking back, according to the later exposure material, “one hundred million” may really only be a small goal.
The deep house made a small program, called “housing”, the contents of which are very fancy, leading some people to say that the brothers are like building a financial center.
But in fact, the practice of deep housing can be simplified into two steps.
The first step is to securitize the property. In layman’s terms, that is, the house as an asset, and cut into small portions, sold to people willing to invest.
For example, there is a 10 million dollar house in Shenzhen right now, and people with a 30% down payment qualification can take it with a 3 million dollar down payment. However, not everyone can come up with this amount.
The wise Shenzhen housing management advice, then fight it.
If one person can’t pay for the down payment, it will be easier for ten or twenty people to put together a group. The deep house is very kind to provide members with a tutorial, prospectus, the document also has legal binding force.
In this way, even if you only have 150,000 yuan, you can subscribe to 5% of the equity on board. You 150,000, he 200,000, slowly put together 3 million, Shenzhen million mansion, you are one of the “shareholders”.
If someone wants to withdraw shares, what to do? If someone wants to enter the stock in the middle, and what to do?
This is not difficult to deep housing, he upgraded the new function in the small program, the subscribed part of the share can be traded freely, equivalent to play the property market into the set of the stock market.
Figure｜Fangli mini-program
Even so, Shamrock didn’t find it exciting enough.
He launched the second step of the operation – long investment and short loan – for which he also gave a high name: Pareto value.
The so-called Pareto value, originally proposed by the Italian economist Pareto a professional economic term, refers to the limited human, material and financial resources, through the allocation of resources to achieve the maximum benefit at minimal cost.
When it came to Fukafumi, who was a keen economics researcher, he directly realized Pareto’s theory – encouraging his many followers to lend their free money to those who needed to invest in the short term with high interest rates.
This is a once-in-a-lifetime opportunity to get on board in front of believers who need a lot of bridge capital to invest in property. If you don’t listen to it, you’ll be enchanted.
But put in front of the law, even if disguised to achieve the “Pareto value of the best”, the practice of deep house is illegal fund-raising.
Similar examples abound, and the last one will be the long investment short loan play the most slippery, belong to the biggest protagonist of the 2008 U.S. financial crisis – Lehman Brothers.
Checked
The house, in the hands of the deep house manager, is a bundle of coils.
With great skill, he ties people, even those who have never met, together.
It smells like the afternoon tea that fake celebrities gather around to put together at 3pm – sweet but unsustainable.
There comes a time when someone wants to loosen the coils because they are so tight that they can’t breathe.
In the middle of the argument and tug, on April 4, 102 speculative materials fell to the ground with a “pop”. The “financial ghosts” deep housing theory was blown up by infighting, unprecedentedly alarming seven departments joint investigation.
But then again, in recent years, the identity of the speculator has long been nothing new. From the end of the last century to the beginning of this century, a group of Wenzhou people in luxury cars, playing the flying, has been speculation iron hoof stepped all over the mountains and rivers.
Even today, the legend has been engraved into history, but as long as housing prices are still rising, the ghost of new speculation is still wandering.
Don’t say deep house science, three or five people joint venture to buy a house more than go, sentenced to imprisonment, such as Beijing South City house sister.
Figure｜Beijing Nancheng house sister (Source: Rule of Law in Progress)
Speculators are everywhere, however, this time, the deep house manager is extra special, seven departments joint attack to figure out what he has done wrong.
What is this concept?
Previously, Shenzhen introduced what can be called the most stringent “715 policy” in history, is a joint release of eight departments, only one more than the department investigating deep housing.
Check, no doubt about it.
These 102 speculative materials in April, exploded a large number of business loan irregularities into the property market.
But just last year, around the world began to strictly investigate the illegal flow of business loans into the housing market, and asked banks to self-investigation.
Among them, Shanghai self-investigated 123, 339 million yuan of business and consumer loans suspected of being diverted to the real estate market.
Beijing found that since the second half of 2020, a total of 340 million yuan of business loans illegally flowed into the property market, and has initiated administrative penalties against four banks course procedures and investigation and evidence collection work.
Shenzhen is no exception to the problem of irregular flow of business loans into the property market and has also investigated itself.
Shenzhen Banking and Insurance Regulatory Bureau, the People’s Bank of China Shenzhen Central Branch in March 18 informed the verification results are: the regulatory authorities of a total of 154,000, 177.173 billion yuan of business loans approved by the jurisdiction of the Chinese commercial banks since last year, a comprehensive investigation, found 21, 51.8 million yuan of funds suspected of irregularities, will be recovered in advance.
In other words, from the self-examination, the percentage of irregular loans in Shenzhen is 0.0292%.
Figure｜Online circulation of the suspension of Netflix concern property and associated personnel business into the piece
What is the bad intention of operating loans again? The state is willing to bear part of the interest and lend to enterprises operating in difficulty in the epidemic to tide over the difficulties, its starting point is good.
But it also builds an arbitrage space.
A senior person close to the bank in a coastal city gave a calculation to the Salt Finance reporter.
5 million yuan of loans, for example, since 2020, many banks of housing against business loans interest rate down to a minimum of 3.8%, if calculated on the basis of business loans revolving operation loan 20 years, the total interest paid is about 2.15 million yuan.
Compare to the current mortgage interest rate, calculated at 5.6%, the same time to pay a total of interest of about 3.32 million yuan.
So the difference is nearly 1.2 million yuan.
Imagine, how can people do not think twice?
And to do all this, it only costs a brokerage fee, but can save more than a million, this deal I believe no one can not calculate.
The agents who assist in making this deal, they are not responsible for justice, they only treat the real estate transaction as a project.
Which involves a lot of expertise in the operation, such as what to do if the buyer does not have a company under his name, how to bypass bank supervision, etc. …… They have prepared a standard process, just short of calling your phone, “Hello, hello, need a loan?”
The arbitrage space of operating loans has thus spawned new deals, leading to this inclusive finance that originally served SMEs to go off the rails and become the scapegoat that fuels the irrational prosperity of the property market.
Business loan curved into the property market, and repeatedly prohibited, some people say again, the bank does not loan is not finished?
“No way, the above lending targets, the internal bad debt rate card”, compared to lending to those who are not secure, the profit is far away from the enterprise, lending to those who buy houses, may also be “safe” a little.
Some bank staff actually know better than anyone else.
Future
In a few days after being reported, Shamrock also wrote on Weibo, “Children will one day have to grow up and leave the shelter of their parents to pursue the happiness they want, but it does not affect the mutual thoughts, help, and love”.
It’s like complaining: I taught you the path to prosperity, and you broke my heart.
Who are you guys?
The crab sister, who used to follow the deep housing speculation, may be considered one.
Jiangsu Wei Jing, whose Twitter name is “7 Crab Sister”, is one of the former disciples of Shenzhen Housing Management.
She didn’t have a place to buy a house or enough money for a down payment, but under the tutelage of the Shenzhen housing manager, she once tried to make a big leap by speculating on real estate.
Photo｜Suzhou Wei Jing’s property investment in Shenzhen (Source: Red Star News)
But tragedy often comes at the climactic moment of comedy.
Because the strength of the capital chain far exceeds its own load capacity, Crab sister’s 7.28 million house, just because of a momentary tightening of business loans, with a difference of 60,000 yuan, all collapsed.
The crab sister, who listened to the words like “the money goes to you, and the risk goes to the deep house manager”, could not accept that her Shenzhen property, which took 8 months to get, was frozen in auction, and the scene of the lawsuit with the deep house manager was still vivid.
A dare to teach, a dare to learn, as if in the movie “The Big Short”, a stripper with a meager income, encouraged by the real estate agent to keep adding leverage, bought five villas in one breath, taking the risk of default on debt up to 200%.
Down with one crab sister, there will be more crab brothers. They bought a house of full value in Shenzhen or other cities through a certain “reasoning” preached by one person.
But when you’re gleefully showing off your house, you may forget that the already fragile capital chain is overly complicated by all kinds of fresh schemes, and the end result is that any one butterfly’s wing may roll up a storm and completely slap down the leveraged funds.
Figure｜Because the capital chain is completely broken, Wei Jing turned to the “deep housing” turnover, the other party agreed to borrow 60,000 yuan (Source: Red Star News)
So, if you do not listen to the road wild set, also do not participate in the speculation of people, can avoid paying the price?
An IT practitioner who has worked in Shenzhen for five years, Mr. Wang told the Salt Finance reporter that he was 30 years old this year, after the Spring Festival, he had gone to a real estate agent to consult a property in Shenzhen and “wanted to settle a home”. But because of the unaffordable high prices, eventually did not find the right.
Having a suite in a first-tier city is the dream standard of most Chinese middle-class people, and almost the highest affirmation of their own struggle, “only, Shenzhen’s house or don’t think about it”.
Mr. Wang, who wanted to give up, the agent gave him another plan: Shenzhen work, Huizhou to buy a house, you can also buy a house with a sea view.
Huizhou as a city near Shenzhen, the total price of its houses is lower than Shenzhen, several percent lower.
In recent years, this third-tier city has always ruffled the feathers of people who live and work dozens of kilometers away in Shenzhen one at a time.
Mr. Wang was moved. Many of his colleagues around him bought Huizhou, saying that the integration of Shenzhen and Huizhou, Huizhou property market will also have a great future.
Figure｜Huizhou 2020 January-July new house price trends (Source: Huizhou Real Estate Information Network)
It is because of the irrigation by the overflow of demand for housing in Shenzhen, Huizhou property prices are soaring wildly at the same time.
This time, the agent always every now and then to Mr. Wang weibo, said that with the increasingly strict regulation of Shenzhen, Huizhou many properties have been sold out, and then not to start late.
The world suffers from intermediary trafficking anxiety for a long time, but what the agent said is not all bluff. According to the salt financial reporter check, in the past one or two years, Huizhou new housing rose indeed once topped the 70 cities in China.
Caught in the anxiety around Shenzhen will also skyrocket Mr. Wang, he should buy?
Do not know.
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