Introductive:
From 2016 9? Since adjusting control of city of building of 30 whole nations, be restricted to buy, be restricted to borrow, be restricted to make work, be restricted business, be restricted the policy such as be in harmony receives, house property investment is restricted more severe more. Among them, the fluidity that the impact is the biggest is a house -- change namely show ability to be reduced greatly, this by everybody the room of described as aspic of figure -- freezing trade, the lock is decided current, look at the asset in the hand helplessly not to change money.
But many people have however sell off house property, exchange the cash, demand that wins fluidity, that is in so severe below the environment that control, how should be defeated?
Fluidity
Fluidity is to point to the easy degree that turns asset into cash reserve in a bank: Asset becomes cash reserve in a bank very easily is fluidity strong, wait like deposit, stock, bond, fund, sell very easily become cash reserve in a bank; Be like asset to become cash reserve in a bank very hard is fluidity difference, wait like furniture of antique, calligraphy and painting, annatto, do not know clever boy year Ma Yuecai comes up against to buy the home -- those who make this group do not cry " sell " , cry " become attached to " , capture stays in to buy the home, cannot say to be searched receive Pan Xia, encountered person having a reason however.
Yes, the fluidity that we understand basically is to point to asset whether sell quickly. But if value 10 million, the house that sells very hard sells with the price of 1 million, sell immediately for certain -- and crowded broken head is grabbing one caboodle person to buy! Such not with respect to fluidity strong?
The person with normal brain won't understand fluidity so. Say well and truly, fluidity shows assets goes with market evenhanded price only showing easy rate -- the house of 10 million should become the cash reserve in a bank of about 10 million, but a little some lower, but cannot too much, 1 million it is absolutely cannot.
This is the place of room of the aspic below building city adjusting control: Market price the house of 5 million, want to sell look for less than receiving dish of person, but not heart pleasant low sells, and him instantly needs money really. If be before some year of bought house, although rise in value is not little, do not have a law to change however now, the suffering in that baby heart ah -- buying a room to make money is the honey in landlord mouth, can doing not have a law to change is the suffering in the heart however now.
How broken?
Since fluidity is the easy degree that asset becomes cash reserve in a bank, that besides sell, still the sort of means can acquire cash reserve in a bank? Was opposite, it is loan -- the asset fluidity that this is negligence of a lot of people.
The fluidity of asset reflects in two respects:
1, good sell.
2, easy financing.
Below from sell and financing two respects, will defeat the asset liquidity difficult problem below defrost room current situation.
Defeat solution skill
Through selling the skill that acquires fluidity:
1, depreciate appropriately. Is the contrary of landlord the person that buy a house? Be wrong! The adversary that sells the home is the adversary that sells the home, landlord it is landlord. Is depreciating appropriately to cater to the person that buy a house? Be wrong! Depreciating is for blow in same of a price a flight of stairs sell the home, the house of 5 million you are cheap 50 thousand, also compare another person you had the price advantage of 50 thousand.
2, fishing type sale. What calls fishing? Await patiently, the person that wish swallows the bait. The house you early hang in intermediary, go searching in the endless flow of time encounter " person having a reason " , perhaps can buy the home with coming up against at high price. The key is to get in advance to hang carry out, plan ahead of schedule -- be being returned in oneself is not very when lacking cash.
3, sell relatives and friends acquaintance. The house cannot sell with market price case piece, wang Erni of pieces of is the hair that can that sell you small sledge, cousin, wife's younger sister / wife's elder brother / mother-in-law? Saying is to sell a house, actually the house still suffers you to control, just put in the under one's name of others. This perhaps is not true sell, but because loan of the other side buys a house,you obtained fund, this has a professional name -- to knocking.
Obtain the means of fluidity through financing:
1, guaranty borrows money. You have house of an entire section, or one appreciates very big house (for instance the price breaks up times) , below existing market bad to sell, can borrow money guaranty of entire section room, or building remaining part entire section room becomes to mortgage again after the paragraph is paid loan, cash shedding was solved. The problem is, mostly the bank is borrowed to consumption limitation 1 million, how broken?
2, management loan. The government encourages credit fund to flow into entity, if you have one in the home small small company, the name that runs with the business then applies for to manage borrowed, can break through individual consumption to borrow the upper limit of 1 million so, to the house property of city of line of great majority just a little, enough.
3, the month is offerred borrow / room value is borrowed. Do not mock every months of live frugaly to return month of Fang Nu that offer, such person has capital fund, have reimbursement desire, consumption accuses force oneself, it is the high grade client in bank eye. The certain multiple that can offer according to the month (the month offers 50 times the left and right sides) , building incomplete is worth (house market price is subtractive the loan remaining sum that owes a bank) certain proportion (be like 7 into) obtain loan.
Want to have a house only, the way that always can find financing -- the Bug that this is instantly credit system.
Someone says, above method does not suit him, but lever too tall, do how? Can do how, depreciate considerably sell, what should know to call an arm to seek to live on, lose Che Baoshuai, abandon small take big.
Systematic project
The duty field career of raises rising job is a system, the profitable process of advance rank counterattack is a system, make a person colourful admire the house property of detest invests (have person to fry a room) also be a system, the fluidity that solution capital fund cuts after aspic room is a system likewise.
The person that does not have systematic thinking is become do not finish sth, meet only " have a headache foot of painful medical service of cure head, base " linear thinking is destined to want to become the leek that be partitioned by others at will. See others work relaxed and comfortable, conveniently picks up come, think oneself can does the copy become life to win the home? May not! Others can gain, it is to win in a system.
Fishing type sale is best, but you must have time to wait, this need plans ahead of schedule, beforehand layout. It is a node in your system only: It is better to succeeded, failed to also be indifferent to, still have other measure anyway. Magnify hammer / by what should Wang Erni help your financing, generation manage house property? This can want to take up their house bill is mixed lend a bank note. Although they are willing, if monthly pay just 3000, how to do ability to accord with the cash that mortgages a month need for place to spread a demand?
Mortgage a room to cut off become complete paragraph room mortgages again, really be in harmony got fund, but cost also rose ah -- mortgaging a room to borrow is left and right sides of standard interest rate commonly, can mortgage loan interest rate is average however rise 60% the left and right sides, cost can you bear? Manage lend specified amount of can broken loan tie of 1 million upper limit, can how do you do without the company? Bank loan needs the spot to check, loan is not to hit you account, infiltrate fluctuation swims however of company account, how to take money?
A lot of people know credit card financing receives dragon, but very few person knows loan receives dragon -- the mortgage loan of A house will expire on October 1, then I have to give brushstroke money to come with B house be in harmony before October 1, the loan that goes returning A house, the mortgage that leaves reoccupy A room one round borrows the loan that goes returning B house, in order to achieve the loan continue, goal that still borrows with borrowing.
Can do not have the person of an above house, know this to an egg is used? Everybody knows theory, but solid holding have a doorsill.
The key of indebted crowbar lever is cash shedding is maintained, lever is ceaseless.
Somebody meets doubt: Is the lever that fries great mind of room big V/ done not have? You are what learn all sorts of skill and carry all sorts of channel to pay fee, the ready money that did not make a family flows! Of course, the iron pink that admires big V/ great mind people also be a node in people system project only.
How building a system is a complex project, what an article, thousands of word can say far from is clear, anyway it is good that you remember: Do anything, see any problems, must have systematic thinking.
House! House!
Since spoke of aspic room, spoke of fluidity, spoke of systematic project, here is again outspread talk about a house.
Instantly China, the house of city of line of just a little already was one place abode merely no longer, added however very muti_function medium -- the medium of the right, medium of welfare, medium of credit, medium of financing.
Because have a house, children is OK the right that nearby enter a school enjoys education; Because have a house, OK the welfare that settle enjoys local dweller; Because have a house, others is more trustful you, be willing to follow your business dealings more; Because have a house, can endorse for your credence, the bank is willing to borrow money to you more...
So, building city adjusting control is project of a system more -- should build much main body to supply not only, the lasting effect mechanism that much channel safeguard, hire purchase develops simultaneously, should come off more the add function that gives a room. Why can you have these add functions? Because rare be short of. So, still must solve education development of shortage problem, area is lopsided brought welfare lacks the deficient issue of big data in breaking credence of problem, individual to evaluate.
Because the article basically discusses the fluidity issue of asset, endorse with respect to the credence of the house so the function says in detail again.
No matter be business associate, still be relatives and friends / work in the same place / ranking, because trust,be willing to cooperate with you is you, if the room can reflect the stability that gives you more (run the probability that the road cannot find a person is reduced) , reach the bottom line is taller (because have capital fund, won't make because of a bit accrual betray) ; The financial orgnaization such as the bank is willing to borrow money to you, because trust,also be you, if have a house OK house property mortgages -- ran bonze cannot run temple, your debt still can not sell off house property.
But the vision that also wants change looks, if the data about you is enough much, enough to your evaluation the cost of accurate, break a contact that is in debt to be not returned is enough greatly -- arrive greatly influence children education, individual lives (cannot sit Gao Tie / live hotel / by plane) , individual, do not have a company to be willing employ) , when human even association (because of baleful break a contact, nobody is willing again to it contact with) ... as a result you can not move a step, the credence of the house endorses the function can be weakened, lose even.
The system is evaluated to fall in current credit system and credence, the house is best add a letter, endorse medium, want to the room has capital fund only, after even if freeze,the knot trades, its fluidity still can defeat solution, just need a few skill and method.
Resource is like you, understood?
Last word: A large number of vermicelli made from bean starch still do not have the habit that assist nods after nurturance is read, hope everybody nods assist incidentally after read, if like, also share the friend beside please, in order to show the encouragement to us!
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