Chapter 1317

In a single family villa.

After hearing what Luo Xi Hu and Zou Qiang said, everyone was at a loss.

I feel that this person talks a little roundabout.

But according to the normal logic, those who died in the villa must also be the family members of the villa owner.

Without waiting for Gu Chen and Lu Weiwei to speak, Xu Fangzhi could not wait to ask: "so, is it the family of the owner of this villa?"

"No, it's a small developer." Zou Qiang said.

Xu Fangzhi shook his head: "I don't quite understand. Can you be more specific?"

"It's a small developer, and it's a creditor to the owner of the house." Zou Qiang took everyone to the roof of the villa, then leaned against the guardrail, pointed to a piece of uncompleted building not far away and said: "see the uncompleted building over there?"

"See, what do you want to say to me?" Xu Fangzhi went to the guardrail, also overlooking the unfinished building.

The unfinished building is located opposite the blue mountain villa area. All the floor frames have been built, but they are abandoned there.

After Gu Chen thought about it, he was also curious and said, "these uncompleted buildings, I know, were uncompleted here a few years ago. Many victims of pre purchase were locked up here."

"Yes, in the final analysis, there is no money to carry on." Zou Qiang turned around and explained the situation to the public.

"Originally, the owner of our house was also one of the developers of the real estate."

"Later, they became more and more in debt, but the project funds on the opposite side were bottomless. The owner of this villa was unable to bear the high debt."

"One day, a owed developer came here to argue with the owner of the house."

"Let him, no matter what, even if he sells this villa, take back the debt."

"Then what happened? The owner of the villa didn't agree, did he? " Lu Weiwei asked.

"Just as you expected." Zou Qiang carried his hands on his back and walked back and forth on the rooftop for two times. Then he said, "it's not the problem of not paying back. It's the debt is too much. Even if you sell this villa, you can't make up for the skeleton."

"The debt dispute in the uncompleted residential building is very complicated. If you give money to the creditor, what will other creditors do?"

"So the owner of this villa has been hiding and never paid off his debts."

"But that day, he was still found by the small developer, so he was blocked at home and insisted that he pay back the money."

Gu Chen nodded silently, feeling that the current real estate industry is still so chaotic?

Although know to develop a real estate, a developer does not have the strength, unless it is a large enterprise.

However, many projects of large enterprises are also sub contracted to other small developers with advanced funds, and all kinds of debt disputes will be very complicated.

In particular, the bigger the real estate, the more debt disputes.

"So It's the small developer who died, right? " According to the tone of Hu Zou Qiang, Gu Chen probably guessed some.

Zou Qiang nodded silently and sighed: "it's also here. On the rooftop, a small developer has a dispute with the owner of the house, and they even have a big fight."

"Later, the small developer accidentally fell downstairs from the rooftop and died on the spot."

"So this villa became a villain."

"Wait a minute." Hearing Zou Qiang's words, Gu Chen was a little unbelievable. He patted the guardrail and explained, "I think the guardrail is also very high. I'm not as tall as I can climb over the guardrail. Is the height of the deceased more than 1.9 meters?"

"Well The dead man is more than 1.6 meters tall. " Zou Qiang said.

"More than one meter six?" Lu Weiwei smell speech, on the spot with her hand to draw: "I'm 168, it's very difficult to turn down from here, how can the dead be their own turn down?"

"Then I don't know. According to the security guard, the owner of the villa called them here."

"At that time, the small developer was on the first floor. Maybe it was because the scuffle between them was too big and they accidentally fell down. It's quite possible."

Zou Qiang seems to know only a little bit about this. As Xu Fangzhi needs to know clearly when he is going to live later, Zou Qiang has to tell him the situation.

Lu Weiwei looked curious and continued to ask: "however, I really want to know how to deal with this matter?"

"What else can we do? Spend money on disaster relief, or what do you think you're doing selling villas? "

Zou Qiang a face is indifferent, also is explaining to say.

Xu Fangzhi nodded silently: "I've probably made it clear that it's because I'm going to have a private relationship with the developer's family, so the owner of the house decided to sell the villa to raise cash?"

"That's about it." Zou Qiang looked at the uncompleted building in front of him and said with emotion:

"in fact, I feel that the framework of this uncompleted building has been built. Some developers are invited to take over and continue to work. If they have access to water and electricity, they will have to hand over the house directly, but why have they been uncompleted for so many years?"

"Because I'm waiting for house prices to rise." See Zou Qiang don't understand the reason, one side of Gu Chen is a word.Zou Qiang a stay, some do not understand, so continue to ask Gu Chen: "what do you mean?"

"It seems that you haven't really figured out why the uncompleted building is uncompleted."

Gu Chen is also facing the huge cluster of uncompleted residential buildings with his hands on his back. He can't help but say with emotion: "in fact, the uncompleted residential buildings in many people's minds are just because the developers are short of money for the time being, so they don't carry out the final decoration, water and electricity supply."

"Yes, isn't it?" Xu Fangzhi also asked.

Gu Chen shook his head and explained to them, "the problem is not here. You think you just have to pay some more money, or even pay for it yourself, and then finish the project."

"After that, the house can be sold? And then you can make a lot of money? "

Being tortured by Gu Chen's soul, Xu Fangzhi and Zou Qiang look at each other, a little confused.

Lu Weiwei asked modestly, "do you mean that the root of the problem is not here?"

"Of course not."

"the reason why they don't know how complicated it is when they look at the uncompleted buildings is that they don't want to touch them first."

"You think about it, if it is really like what you think, where will it become a uncompleted building?"

"If you go to any bank, people will give you money. Who can't afford to pay for it?"

"However, if so, the bank may not be lending to developers, right?" Xu Fangzhi asked weakly.

"Is that true?" Gu Chen grinned and continued to explain: "banks are not stupid. They will not be fooled."

"But in fact, a house that can become a dilapidated building must be followed by a lot of bad debts."

"Some buildings have even been renovated, with water and electricity, and even spend several hundred thousand more to finish completely, but they are still uncompleted buildings."

"Because at this time, the construction party will block the construction site and prohibit everyone from carrying out the final finishing work."

"Ah?" Lu Weiwei was a little confused when Gu Chen said: "so In fact, the main reason why uncompleted buildings are uncompleted lies in this? Is the construction party preventing the construction? "

"Almost." Gu Chen nodded and confirmed what he had just said.

But Xu Fangzhi and Zou Qiang don't quite understand.

They also looked at each other.

Xu Fangzhi asked Gu Chen with a modest attitude: "why is that so? That sounds a bit illogical. "

"Because any developer will not allow the capital chain to break." Gu Chen said.

Xu Fangzhi still shook his head: "still did not understand."

"Well, let me put it another way." Seeing that Xu Fangzhi was quite interested in this aspect, Gu Chen didn't hide it, and told him straightforwardly: "because no developer will allow the capital chain to break, they will do everything possible to delay until the turning point."

"If they can think of any way to change money, they will try. They will even mortgage everything they can."

"As long as they survive and the project is done, it's not a problem."

"What if it doesn't work?" Asked Zou Qiang.

"No way? If you can't do it, you'll die anyway. " Gu Chen shook his head with a smile and said: "there is a problem of capital operation involved in it. Therefore, one of the characteristics of uncompleted residential buildings is that there are a lot of debts and the debt structure is extremely complex."

"The same property, even because of repeated mortgage, some are frozen more than ten times by the bank."

"There is only one piece of meat, but there are dozens of people who want to eat it."

"If it's you, how do you divide the meat?"

"This..." Listen to Gu Chen so say, Zou Qiang silently nodded, feel a little reasonable.

Lu Weiwei asked Gu Chen, "so once it's completely completed, it will trigger a real estate robbery, right?"

"Yes." Gu Chen agreed: "because even if it's ten thousand yuan short, the building will be completely completed, and he will never finish the work."

"Because this is not an engineering problem at all, but a debt problem."

"That seems to be the truth." Feeling that Gu Chen has done a lot of research on this aspect, Xu Fangzhi suddenly worships Gu Chen a little.

But looking at the uncompleted building at that end, Xu Fangzhi also said: "anyway, what does it have to do with our ordinary people?"

"When I come here to be the anchor of the murderous house, the boss can't give me less money. If I can sell the house during the live broadcast, I can't get less commission."

"Ha ha." Listening to Xu Fangzhi's words, Gu Chen shakes his head: "you earn your money, maybe these uncompleted buildings have nothing to do with you."

"But don't think that uncompleted residential buildings are no threat to you.""Well? How do you say that? " Although I feel that Gu Chen is young, from what he said just now, Zou Qiang has seen that there is something in the boy's stomach.

Gu Chen holds his chest in both hands and explains to the public: "the reason is very simple, because China's real estate market has been in a bull market since 1998."

"Unilateral rise, occasionally callback."

"So, the vast majority of Chinese people have no special feelings about uncompleted buildings."

"But in fact, in the past 20 years, China has produced a lot of uncompleted residential buildings."

"And those small developers who died of abusing leverage can fill up Jiangnan lake."

"And the core reason for those uncompleted buildings, as I said just now, is that developers are holding money that does not belong to them."

"But the money is either borrowed or pre sold."

After a pause, Gu Chen glanced at the people and saw that they were all absorbed, so he said:

"in fact, after the uncompleted residential buildings are produced, the interests of the owners who have paid for the houses will be seriously damaged."

"That's for sure." Zou Qiang is not so bad, but also soft tone of the way: "have paid for the owners, it can be a big loss."

"The money has been paid, but the house has become an unfinished project, and I still don't understand. As you said just now, the vast majority of Chinese people don't feel much about the unfinished building. Is there any problem?"

"That's because house prices have been rising for 20 years." Gu Chen said: "in fact, price increase can solve all contradictions and problems."

Pulling up his fingers, Gu Chen said: "I'll make an analogy, assuming that a certain uncompleted property is worth 100 million."

"Then the developer owes 300 million yuan in debt, and in the middle, there are 200 million holes that no one is willing to fill. As a result, the problem of uncompleted buildings has never been solved."

"Then I ask you, how to solve this 100 million hole?"

"No There's no solution. There's no solution. " Xu said.

Gu Chen nodded silently, but said with a smile: "it's right and wrong, because as long as the house price rises, everything is easy to say."

"If the house price doubles, the real estate will be worth 200 million."

"Double that, and it's worth 400 million."

"It used to be a hole of 200 million, but now it's a profit of 100 million."

"At this time, someone will be willing to take over, because who takes over will make money."

"A lot of uncompleted residential buildings are digested in this way. Everyone is happy."

"So it is? Can rising prices solve all contradictions? " Listening to Gu Chen's theism, Xu Fangzhi also suddenly realized.

Zou Qiang is also a face of shame: "this capital operation, is really enough terror."

"Nothing has changed. With the change of time, all the problems have been solved, and the uncompleted residential buildings can make money. This Is this the capital game? "

Gu Chen stood up, went to the middle of the two and said, "so the owner of this villa, one of the owners of the uncompleted building, is also waiting for the opportunity."

"Therefore, in the initial stage, the less the developer owes, the easier it is to digest the uncompleted residential buildings."

"If the debt range is less than two times, a doubling of the market price can solve all the problems."

"In other words, in the past 20 years, we have relied on price increases to solve the problem of uncompleted residential buildings, but we have never had the experience of solving the problem of uncompleted residential buildings without price increases."

"In fact, domestic real estate has been a bull for 20 years."

"So So, will the domestic real estate double in a few years as before? If not, isn't the owner of this villa going to finish? "

Listening to Gu Chen's story, Zou Qiang seems to understand the relationship.

Gu Chen is a faint smile, and everyone explained: "if you still want to rely on price increases to solve the problem of uncompleted residential flats, it is absolutely impossible."

"Because even if house prices don't fall, they will rise very slowly."

"And even in the real estate bull market, there are small developers who go bankrupt, leading to the problem of bad end."

"So if house prices lose their speed of rise, then the problem of bad loans will increase sharply."

Seeing Zou Qiang frowning, it seemed that he was not in a good mood. Gu Chen continued to add: "after all, this is the pre-sale system. All the money that should be taken has been taken."

"Because the developer got the owner's money, but he owed the construction team's money and the bank's money. He said he had no money. What can you do to him?"

"Then I'll be Lao Lai." Xu said.

Gu Chen faintly smile: "Lao Lai is sure, but they will use capital operation to transfer money."

"So, before that, this kind of debt black hole generally relied on price rise to solve the problem."

"Every uncompleted residential building can only be digested by the double market behind it.""In the future, there will never be such a double market."

"Without the huge profits brought by doubling the market and filling out the debt pit, this uncompleted residential building is an unsolvable existence."

Looking up at a few people, Gu Chen said: "it is precisely because of this that we carry out the existing house policy."

"We should gradually cancel the pre-sale housing system, because after the existing housing sales are adopted, even if they fail, it is also the debt problem of the developers themselves, which will not lead to large-scale owners' rights protection."

"Yes." After listening to Gu Chen's words, Lu Weiwei said thoughtfully:

"after all, these owners have emptied their savings and bought houses with a lifetime of housing loans. Even if they fall a little, they can't stand it. What's more, the developers are running away."

"Harm Zou Qiang seems to be very angry, but also walking back and forth on the roof, which then said: "so as long as the uncompleted residential building is produced, it is absolutely not as easy to deal with as imagined, right?"

Gu Chen nodded silently: "who is in trouble? After all, it can only be solved when the market is doubled. Others Nothing works. "

"After all, in the past, this problem was not difficult. After a few years, it would be back to the original. At most, other people would double their profits, but they would not make money, and they would not lose money."

"However, this good thing will never happen again in the future, and uncompleted residential buildings will become a huge problem."

"I see." Xu said with a sigh of relief: "so in the next few years, those small developers with weak strength should try not to buy their pre-sale properties."

"Yes, if you have to buy it, please check all the five certificates before you buy it, carefully review the contract and pay the money carefully."

After thinking about it, Gu Chen continued to add: "so if you run into a uncompleted building, it's better to make sure that you have the ability to bear the risk."

"Because the pre-sale system is the existence of the risk of rotten end, before this risk can be ignored, but now this situation is not quite the same."

Here, Gu Chen's voice just dropped, but he heard Hu Zou Qiang sighing.

Gu Chen didn't understand and asked kindly, "brother Zou, are you ok?"

……

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