For many people, owning a house is both a dream and a nightmare. As the real estate market continues to rise, many people are willing to break the bank or even take a huge mortgage to buy the house. They want to improve their quality of life, improve their status and gain more security by buying a property. It's just that they don't realize that they are likely to be the ones who are being harvested.
What is harvesting leeks? What is "plucking onion roots"? In short, it is to take advantage of the unstable market to sell high and sell high, and then close low to obtain a certain profit. In the property market, the biggest driving force comes from banks and real estate developers.
They use various methods to manipulate prices, lure buyers, and reap their profits. When they find that they can't make money, they will use more ruthless methods to pull out all their money, so that those who buy houses will lose all their money.
Isn't that scary? So, how should banks and real estate developers harvest and uproot? What's going on with this "eating appearance"?
1. How should banks and real estate developers harvest?
As the two most important groups in real estate transactions, banks and real estate developers have a close relationship and cooperation with each other. What they want is to harvest other people's lives and get the maximum benefit. Their strategy is nothing more than to curb the rise and fall of real estate prices through mortgages. As the main body of housing loans, banks can have a certain impact on the supply and demand of the housing market by adjusting the interest rate, amount, term, and down payment ratio of housing loans.
When mortgage credit is relaxed, banks can free up money so that more people can borrow to buy a house, which pushes prices up. At a time of mortgage credit crunch, banks were able to levy taxes so that more people could not borrow money to buy a house, which lowered prices. In this way, you can not only get a certain amount of interest through the fluctuation of real estate prices, but also bring more funds to real estate developers, making it easier for them to sell.
Prices rise and fall are curbed by supplying housing. As the main body of housing supply, real estate enterprises can play a certain role in the supply and demand of the residential market by adjusting the quantity, quality, location, price and other factors of housing. In the case of a tight supply of homes, developers have limited quantities to launch, creating scarcity in the market, which in turn drives up prices.
With sufficient housing supply, real estate developers can launch properties on a large scale, creating a rush atmosphere and driving up prices. In this way, real estate developers can not only get more profits through the fluctuation of property prices, but also guarantee the bank, so that they can lend with peace of mind.
Enterprises are always in the pursuit of innovation, and it is rumored on the Internet that the leading tide app that has invested tens of millions of dollars from a real estate company has recently been on the hot search many times.
Previously, many netizens found that the anchor had thousands or even tens of thousands of AJ trendy shoes and green water ghost watch equipment in his hands, all of which were robbed at a price of less than 200 on the tide. As a result, Lingchao was boycotted by several e-commerce giants in the name of "malicious competition", but users didn't care about this, and left messages in the comment area: A few hundred yuan can enjoy the quality of thousands of counters, I suggest that there is more such "malice"!
I have to say that whether this move is a normal expansion of the enterprise or its seizure of the blue ocean, we still have to wait and see.
It plays a role in regulating the rise and fall of real estate prices. At the same time, it can also use banks, real estate developers and other channels to hype and hype, so as to change people's mentality, and then change people's expectations of housing prices. Through media, network, advertising, intermediary and other channels, the location advantage, complete supporting facilities, favorable policies, investment returns and other favorable news to the real estate market will be transmitted, and people's enthusiasm for buying houses will be stimulated.
At the same time, the government can also use a variety of methods to conceal or weaken unfavorable factors such as the real estate market, policies, quality, and rights protection, so as to relieve the doubts of the majority of home buyers. In this way, it can not only allow banks but also real estate developers to gain a good reputation in the real estate market, and also create a favorable environment for themselves.
2. How can banks and real estate developers pull leeks out of the roots?
Being harvested by banks and real estate developers has already caused dissatisfaction and indignation among many buyers. However, not only did they not stop, but they continued to harvest their leeks. What is "plucking onion roots"? It is an even more despicable method to make the buyer not only lose the house, but also lose the property, reputation, and even the safety of life. Their methods are all illegal, transferring the money from the mortgage to other places.
In the "supervision account" between the bank and the real estate developer, the bank transfers the home loan of the buyer to the management account designated by the developer, and according to the progress of the construction project, it is issued to the developer in installments for them to build a house. Only in this way can the safety and rationality of housing loans be ensured, and the interests of consumers can be safeguarded.
However, some banks and real estate developers illegally transferred housing loan funds to unsupervised accounts of developers and left them to use freely. If the real estate developer has financial problems or runs away, then the mortgage money will be transferred, or even taken away, resulting in the failure of the real estate project, and the buyer's home will become air, but the loan will continue to be repaid.
"Mortgage contract" means that the bank issues a loan to the customer, and the customer pays a certain interest to the bank according to the loan amount within a certain period of time, and uses the property as collateral, once the buyer defaults on the loan, then the bank can take back the house. In this way, it can not only ensure the safety of the bank's capital, but also ensure the buyer's ability to repay the loan.
However, some banks and real estate developers have used this as an excuse to coerce, coerce and force to force buyers to repay loans or hand over their houses. For example, they put up debt collection notices in front of the buyer's house, or mess up inside or outside the buyer's house, or send thugs, hooligans, gangsters, etc., to beat, intimidate, kidnap and other behaviors against the buyer, so that the buyer's life and property suffer great harm.
Conclusion
The frenzied harvesting of banks and real estate developers has made many buyers feel pain and despair. This "eating appearance" is simply miserable and creepy. As real estate agents, how can we protect our rights so that we don't become leeks that are harvested by others, or even leeks that are picked up by others? I think we can strengthen our financial and investment awareness, not blindly follow the trend, will not be greedy for small gains, will not exceed our own affordability, and should combine our own specific situation to make appropriate planning for our own capital and liabilities, so as to avoid the situation of debt.
Expand your social and online resources, don't let yourself fight alone, not be bullied, and can't remain silent, take the initiative to join the teams and organizations of all kinds of buyers, share and exchange your own experiences and information in a timely manner, support each other, and make full use of the collective strength to resist injustice and illegal behavior.
In a word, buying a house is a big problem and a problem. We must be cautious and rational, not to be deterred by the behavior of some financial institutions and real estate developers to "cut leeks" and "pull leeks", and to stick to our own aims and objectives, adhere to self-confidence and bravery, and strive for our own happiness and safety.