Chapter 231 The Disadvantages of the House Pre-sale System

Unconsciously, Tang Yu's figure has been firmly entrenched in Shen Yun's heart. Perhaps, since Tang Yu took Shen Yun out of the lake, Tang Yu has broken into her heart. Whether it was secretly taken a lot of advantages by Tang Yu when learning to swim later, or Tang heard it from Chen Yi's mouth in a courtyard. Yu's things, things have passed one by one, and Tang Yu has firmly occupied Shen Yun's heart.

Before, Shen Yun didn't realize Tang Yu's position in her heart. She didn't call until a few days ago, but when she heard that Tang Yu had something to do and would not come to celebrate her birthday, the feeling of disappointment and sad want to cry made Shen Yun completely realize that this boy was about the same age as her, but his thoughts were not the same. Son, the seat at the bottom of my heart is so important.

When she saw Tang Yu coming out of the kitchen with the cake from the dimness, Shen Yun's heart was suddenly filled with this kind of satisfaction and sweetness that she had never felt before. The depression in her heart in the past few days also dissipated in Tang Yu's happy birthday song.

And the warm scarf not only covered Shen Yun's neck, but also warmed her heart, but also warmed her feelings and warmed her soul. Tang Yu didn't know that this small scarf seemed to have become a constant connection between the two.

Suddenly, his delicate body was full of arms. Even Tang Yu's uncle-level thoughts couldn't help but be stunned, especially in front of Shen Ruihong and others, looking at their joking eyes, the wall-like thick skin couldn't help but turn red.

Soon, Tang Yu regained his composure. The blush on his face just flashed away. He patted Shen Yun's pink back and said jokingly, "Well, bad girl, it won't be just a scarf. You can be moved to marry her."

Shen Yun raised her head, rubbed her big red eyes, and hammered Tang Yu's chest red. "Bad boy, it's your fault." Shen Yun didn't have the thick face of Tang Yu. Under Song Wanru's mocking eyes, she was so ashamed that she couldn't raise her head.

Touching his nose, Tang Yu smiled softly, took Shen Yun's hand and walked to the dinner table. "Let's go, our little birthday star. Come and eat. If you don't eat it, it will be cold. This is a table of food carefully prepared by me. Come and taste it. Is my cooking as good as the chef, hahaha."

"Hmm." Shen Yun, like an obedient little daughter-in-law, lowered her head and let Tang Yu hold hands. As soon as I took two steps, I suddenly thought of something, "Ah, wait."

Tang Yu looked back at Shen Yun doubtfully.

"Wait for me, wait for me to put this scarf first, so as not to get it dirty when I eat." Shen Yun blushed and lowered her head and said softly.

"Hmm. Go ahead." Tang Yu smiled, let go of Shen Yun's hand, and personally took the scarf off Shen Yun's snow-white neck and put it in her hand.

Looking deeply at Tang Yu, Shen Yun turned around and walked to her room upstairs.

After dinner, Shen Ruihong called Tang Yu to the study again and asked about the effect of the real estate pre-sale model.

Throughout the Liaohai Sea, Dongling is the first place to introduce this sales model. This model has just been introduced by China from abroad, and it is only piloted in Shenzhen and Guangzhou. Shen Ruihong, as the governor of Dongling, naturally knows a little about it, and he also knows that Green City is the first to dare to eat this. Crab, did an experiment, so Shen Ruihong asked Tang Yu like this. He knew the relationship between Lvdu and the Tang family. Shen Ruihong even had a feeling that the attention of introducing this new sales model should have something to do with the boy in front of him who surprised him many times. This boy's talent in business is really scary. This kind of fresh pattern seems to come from his handwriting.

Tang Yu nodded. Since Shen Ruihong asked, Tang Yu also told the truth. Besides, this kind of thing is not a secret. "The second uncle's Lvdu was a little short of funds for a period of time, and he couldn't lend money from the bank. He was anxious. He accidentally saw this kind of sales in Guangzhou and Shenzhen. Sales model, this model seems to be able to quickly finance funds, and this model has been introduced from Guangzhou through the city. It has been nearly a month now. I heard from the second uncle that the effect is very good. Not only has the financial problem been completely solved, but also some costs are recovered from it in advance.

Shen Ruihong nodded, frowned gently, and asked, "What do you think of this model?"

Shen Ruihong is indeed worthy of being the governor. Tang Yu saw from this question that Shen Ruihong has seen some of the drawbacks of this model. After all, he, the governor, has to look at the whole province. He naturally has achievements in any part of the province, but there is no problem. Naturally, he, the head of the provincial government, also has to bear it. Responsible.

For house pre-sale, that is, the so-called future housing, real estate, there are actually various shortcomings.

You should know that this pre-sale model, also known as the commercial housing sales model, is a model that has just emerged. The effect of this model has not been fully revealed. Shen Ruihong can see the impact from it. This may be a problem of angle and height. People standing at the height of Shen Ruihong look at the problem. The angles will also be different, and you can often grasp the essence of things at once.

In fact, the drawbacks of pre-sale gradually emerged after a few years. Tang Yu did some data surveys in this regard when he was in school. Although he did not dare to know the drawbacks, he also had a general understanding of them.

The biggest drawback of commercial housing sales is that it keeps rising house prices. This sales model completely belongs to the scope of capital operation, and the operating cost of this capital is very high. During this period, whether it is real estate developers or local governments, as well as banks, developers, agents and builders, they have to make a profit from it, resulting The cost of this capital operation is quite high, far exceeding the value of the property itself.

Before Tang Yu was reincarnated, countless people struggled for a lifetime, but only to get a small house of their own. Even if countless people struggled for a lifetime, they could not get a complete home of their own. Of course, this situation is also inseparable from the concept of the Chinese people themselves. The traditional views of Chinese people are that they want to have their own house.

Tang Yu once heard such a cold joke that a Beijing businessman bought 60 square kilometers of land in Iceland, accounting for 1% of the total area of Iceland, but the funds were a little tight. He couldn't raise so much money for a while. As a last resort, he sold a 60-square-meter house in Beijing, so he raised The funds...

Although the words in this cold joke are not all facts and a little exaggerated, it can also be seen from the side of China's housing prices, especially in the first-tier and second-tier cities in big cities. How far the housing prices have soared, which can't be suppressed. In Tang Yu's previous life, abnormal domestic housing prices naturally attracted state intervention, but real estate itself represents a huge interest group, and it is also a major event related to the national economy and people's livelihood. Naturally, it is not enough to stabilize housing prices with just a few policies.

Even if the country carries out a series of controls, it only stabilizes house prices at a stage, but still can't let house prices cool down.

In Tang Yu's view, the house pre-sale system is one of the important reasons for the high housing prices in later generations. Of course, this is not the reason, but also the high housing prices. There are reasons why the tax reform attributed the cost of land transfer to the locality, the high cost of capital operation, the promotion of interest groups from all parties, the reason why Chinese people have a special preference for houses, the reasons for the overheating of capital, the reasons for inflation, and more The reasons why many politicians hope to use real estate to boost domestic demand and so on...

Under the house pre-sale system, real estate developers can not only use bank funds at low cost, occupy the prepayment of the buyer and the advance of the contractor without interest, but also do not have to bear the inventory cost of the house. Therefore, the so-called "low future housing prices" that developers often shout in later generations is just an illusion. In fact, real estate developers use various strategies to keep house prices rising.

The greater harm of the pre-sale system is that when developers get the prepayment in advance and recover most or even all the costs in advance, they have no worries and gradually push up the rise of house prices through hoarding, and the rise of house prices makes it easier for developers to collect the prepayments of the next project. Conditions have been created, because in the process of rising house prices, driven by the psychology of buying up and not buying down, people's expectation of rising house prices in the future will push house prices to record new highs.

The potential risks of China's housing pre-sale system are passed on to consumers and banks; through "real estate speculation" and other false shortages in the real estate market, take the opportunity to hoard and raise prices; gradually increase housing prices and sell slowly, resulting in the illusion of low housing prices.

There are also houses for pre-sale abroad. In the United States, house pre-sale basically takes place in hot places in the real estate market, such as the Washington area in the early 21st century. Generally, developers require a pre-sale payment of 10,000 to 20,000 US dollars, which generally accounts for a large proportion of the total house price (for example, compared with the house price of 300,000 to 500,000 yuan).

The reason why the owner is willing to pay the pre-sale payment is that the real estate market is hot, and the expected increase in house prices is relatively certain; the proportion of pre-sale payment in the total house price is relatively small, if you are not satisfied with the house after completion (house type, quality, etc.) or other uncontrollable factors (such as unemployment, change of work location, etc.) Housing, the risk and loss are not big. For developers, house pre-sale can reduce market costs and improve the speed of capital flow, and the possible loss is the difference between the pre-sale price and the house price after completion. However, considering the uncertainty of the future real estate market, the expected value of this potentially lost economic value is smaller than this difference.

Tang Yu doesn't want to tell Shen Ruihong about these drawbacks. After all, most of these things were summarized by future generations after more than ten years of ups and downs in the real estate market. Tang Yu did not think about what kind of reason to explain why he knew this. If he said it now, it would be a little strange. I've heard that it still needs to be done step by step.

The house pre-sale model can also be said to be an indispensable part of China's economic development. Even if Tang Yu knows that this model will bring strong economic pressure to the future Chinese people, this is the historical process. The pre-sale model is bound to be one of the most important rings in the history of China's economic development. Even Tang Yu, who has been reborn, can't change this. After all, Tang Yu is a human being. Even if he is reborn, he is still a human, not a god.

However, Tang Yu still intends to tell Shen Ruihong some influence and some necessary measures. Some things can be taken precautions earlier than when facing the madness of real estate in the future.

And Tang Yu also knows that from Shen Ruihong's expression and questions just now, it can be seen that Shen Ruihong has foreseen some real estate bubbles in the future, and his own opinions and suggestions are completely likely to do this.

"The pre-sale model is undeniable that it is a very novel and bold sales method. It can be predicted that driven by this model, the impact of the recent real estate bubble will disappear in a short time, and the spring of real estate developers is coming." Tang Yu lowered his head and thought about his words, and continued, "But after the interests, there are great risks hidden."

Speaking of this, Tang Yu swallowed a mouthful of saliva and suddenly felt a little thirsty. He had just eaten some cake. The cake was too sweet. Well, Uncle Shen, do you have any water? I want to drink some water.

Shen Ruihong smiled and pointed to the teacup on the coffee table next to Tang Yu.

Tang Yu was not polite. He poured a cup of tea from the teacup, drank it in one gulp, and put down the teacup unsatisfiedly. Tang Yu did not dare to be too presumptuous in front of Shen Ruihong. He gently licked his lips and continued, "The house pre-sale model has both advantages and disadvantages. I won't talk about the advantages. I want to say what I think is the disadvantage. Noodles." With that, he looked at Shen Ruihong and nodded with a smile and said.

"The house pre-sale model is a great blessing for real estate developers. Before that, the biggest financing method for real estate developers was loans from banks. However, after the introduction of this pre-sale model, there is no doubt that a financing method for real estate developers has been added. The project leveraged by 11 million yuan is now possible. Millions can be leveraged, which undoubtedly greatly reduces the threshold of real estate, and more people will flood into the real estate industry, but the quality is difficult to guarantee. So many real estate businessmen are pouring in. Without a strict supervision system, cutting corners and even bean curd residue projects will be common, because housing Real estate developers will bear very little risk, and the pre-sale model will indirectly transfer the risk to banks and consumers.

"Do you have any way to solve this problem?" Shen Ruihong asked with a smile.