People do not buy loans from how to do,

 Recently, at the Asian Games Village from the news came of a project, there are dozens of stock owners to buy a house bad investment, business and other reasons do not go well, coupled with lack of housing rental market returns, since there is not the case of loans to buy a house. developers had to buy back from the bank, after deducting all costs, interest, after paying back the principal will be returned to the remaining buyers, developers and buy a house payment that should not be headed back, paying back the principal settlement of such issues as how to , the occurrence of a wide range of disputes, and developers have to buy a house this big headache. It is understood that, with the enthusiastic home loans rising from Beijing, not from more and more people buy a house loan , especially the CBD, Zhongguancun, the Asian Games Village and other prices are too high, the hot investment prospects are optimistic about the region, many investment-oriented projects are showing this problem. The concern is that, at present, these hot spots, a lot of items to buy Housing people, intends to raise the rent house is used more and more loans. On the other hand, not because of lawsuits arising from loans and more and more disputes. Moderator: Yumei Ying guests: with the purchase of investment experience by: 舒可心 program in Beijing, the Chinese-American home: Lee Yu, who banks: ICBC Beijing Branch, Zhao Bo, vice president of housing credit law: the British island of Deng Zemin Beijing law firm Developer: Red, Central Park, general manager Zhang Ge Yunqiu long term World vice president of real estate investment advisor: Chang Zheng Time: at 14:00 on May 11 2002 to 4:30 Location: Conference Room 2309, Beijing Youth Daily view a current guests. bought a house and the problem still can not afford loans The reason: impulsive buying 2. Now, owners of real estate investment in Beijing, the use of the way room to raise rents is the main way of profit 3. good and bad property management, the project can not let a good price Determinants of 4. In the U.S. you optimistic about the monthly rent house can reach 1% of the total housing fund to be invested 5. With the development of mortgage business, banking information between Unicom after the loan to buy more than one person will suites which may result in the phenomenon of the loan is not locked since there Why not buy a house to borrow loans from the host: continue to launch the project, and investment in Beijing keen to buy a house at the same time, this year has had more than one real estate people do not buy a house from a mortgage. We can say that now, less than a month from the purchase of housing loans has become a troubled Housing and developers of new problems. This phenomenon is how did it? Chang Zheng: bought a house but not from lending out of the question, reason, after all one sentence: impulsive buying. This impulse purchase two cases, one is I am very rich, bought a house, not rented out to rent out, rent is good, I do not care; more is wanted to obtain the rent of a loan, make investments, but Based on their experience, quality and other limitations, not a comprehensive market analysis, led to the credit failed to raise rents. Zhao Bo: Today's subject very well, the bank already see this phenomenon. because the definition of mortgage loans, the fact From 1996 the central bank introduced the definition of housing loans have two changes. the first time, the object is to support the mortgage loans affordable housing occupied - first is economic, the second is self-occupied. Later the central bank guidance the definition of relaxed, affordable and occupied the two words removed, support the purchase of real estate for living. From now on loan types to see, set on the mortgage, the purpose is to address the main do-occupied housing . But in the last two years, investors began to appear. began to buy small companies, but small companies can not do so many mortgage loans, this time, the leadership of small companies are often in the name of the individual loans, there can not be scheduled to for the room, deadbeat problem. Deng Zemin: not starting after purchase loans, there may be several reasons: 1) job changes, leading to falling incomes; 2) Multi-Investment, overstretched; 3) not expected income implementation (rental income, etc.); 4) failure to achieve early repayment or early repayment can not accept the conditions of banks, led to the repayment of Norway as his use, and fell into crisis. Beijing in the end how the housing investment market Moderator: to to also use the rent for the month, many owners of real estate investment ideas, at present, Beijing's real estate investment market in the end how? 舒可心: Now you enthusiastic investment in real estate market, it is misleading the developer's publicity caused. First of all, particularly Beijing's gray income, which is not reinvest the money, only spending, while real estate can give the appearance of this part of the gray capital just an opportunity to really make money investing in real estate and who is not that . Secondly, on the way to recover the investment of a lease, in fact, developers person, one who came back from overseas or foreign nationals who returned from abroad in China. we are talking about a return to the rental must be the latter, they can afford the rent is $ 1,000 or so. let the house to these people be possible to talk about returns, and these people rent, property management, good or bad, is the project able to rent a good price the deciding factor. Zhang Jiu-hong: Central Park, this project does the customer investment are more optimistic about the position they were mainly , optimistic about the future property value. After doing pre-and post property management is very important. Beijing a lot of projects to the potential value of existing homes instead of smaller, mainly because of poor management of property later. Geyun Qiu: We The project was opened on April 23, the first day of the opening 100, has sold more than 40 sets of results. The project started when targeting investors. Now, owners of real estate investment in Beijing, the use of room to raise rents way to get profits is also a major way. To achieve this goal, we must first choose a good property. From my feeling, to do investment, first find a very strong business climate where there are now three places in Beijing is very strong business climate - Zhongguancun, CBD, Asian Games Village. What you do depends on two types of investment, such as Mr. Shu is rented out to foreigners to buy apartments or wealthy people, one month can rent Ba Jiuqian. and then there is a types of return is leased to office-based, we rented the positioning of this project the growth-oriented enterprises in Zhongguancun. Zhongguancun is by small and medium enterprises, growing businesses started, and now many of these growth-oriented enterprises in Zhongguancun residence nest office, some of these people moved to the CBD, but most people have Zhongguancun complex, was reluctant to leave, but can not find a suitable property. So we do project directly to the floor, is defined as commercial buildings and protect the function of reduced to zero, basically the concept of business, from investment in hardware give good customer orientation. loans from the lender is not how to do Zhao Bo: past loans are to owner-occupied residential, there was a time, ICBC and China Construction Bank, two banks of a person to buy multiple sets, multiple housing is not limited. But now began the phenomenon of individuals do not repay on time. There is no need for a housing grant to purchase several sets of restriction? within the bank is now This set, for loans of more than 3 suites, the percentage you have to come down. Industrial and Commercial Bank had been set inside. In addition, all banks are not networked, information can not be shared. With the development of mortgage business , banks of information between Unicom after, they will loan to buy more than one suite which may result not from the phenomenon to the limits on loans. Moderator: If people do not buy a house from the case of loans, the banks will handle ? Zhao Bo: Only litigation. Currently, the basic house, this occurs mainly based on existing homes. If 期房 stage, better house if it is sold, the developer put this house back repurchase; If the project is sold well, the overall interest of developers in order, may buy back in the early stage, but we do not reach an agreement on behalf of private buyers who purchase and repayment, as assets, which is a breach of contract, if you do, the developer will be sued,UGG boots, which is absolutely not allowed. foreign owners how to invest to buy a house Moderator: Mr. Lee in the United States has a real estate investment experience,UGG bailey button, met the relevant trouble? Lee Yu: In the U.S., we buy a house, to see the house as an investment house, or live in the house as their own,UGG boots clearance, were very clear. own the house virtually no extravagant treat, and like to buy, based on they like, children's education, there is lots of work to facilitate trade-off buying a more personal reasons as the standard. buy a little to think about investing in one step. to see is not a good investment objectives, in the U.S. real estate Investment has two criteria: First, look at the house itself can add value, and the other is the house for the rent can not support your loan. In the U.S., the proportion of rental housing with relatively fixed, bought a house after the monthly rent can be to 1% of the total housing fund to a bargain to be investment. Another point, the United States there are many loans, you can use to buy a house according to their own decision to do what kind of loan. do not buy from people how to avoid Zhang risk of the loans long red: There are some friends to buy our house, my advice to them: first, to see the strength of their own money, is not able to afford this house, this is very important, many people do not take into account Beijing so many, often pay the first payment, then pay monthly for a few months, there have been not since the issue of loans. As a more mature investor, to their personal life is not the case down to a certain pressure investment in real estate. and developers can do is to ensure that the property, the purchase of the day from the beginning to buy a house preservation, or appreciation for some time. Moderator: Now many people do return on investment calculation, no consideration to expenses, rent and there is a gap between rental income, ask Mr. Shu, what are investors to buy a house cost? 舒可心: Gross rental income is not net income, therefore, not to the same month for rent and up. because ,UGGs, you are the rental, we must also pay the property management fees, heating costs. In addition, the potential impact of the tax and so the level of rental profits. often Zheng: In my experience, if you buy a house to rent , to raise the rent by the room, it would probably have the following aspects need to refer to. First, location: the location of investment real estate will be divided into urban and suburban general. Many people buy a house that, as long as they like in the city should look to have both positive and negative aspects of anything, not one-sided position to judge from the district real estate good or bad. Second, real estate features. a lot of sales people often say that the real estate suitable for investment or for their own homes. For residential projects, this is completely is a cover, whether it is self-occupied or investment, ultimately the house or to someone to live in, the investment is by the tenants to live poorly do you think live in the house, the tenant will not come to stay. The third is price. do return on investment analysis, must be divided by the House to take the rent money, building models is the denominator, the rent a certain situation, the smaller the denominator, the greater the positive return on investment, the greater the denominator, the smaller the return on investment. For example, in an East Third Ring District position, face to face two real estate, real estate apartments building standards are exported, and the supporting facilities have, a real estate sale twenty thousand dollars a square meter, a real estate sold for a thousand dollars a square meter, we would buy ten thousand money, do not buy twenty thousand dollars. But a thousand dollars and twenty thousand dollars a house built house built quality and supporting facilities and services is certainly not the same. It is possible to buy your house, building expensive models 50 million, but the average monthly rental income is 1% to 2%, three to five years can come back this money. Fourth, the property management company. developers to build the house early is important, but truly reflects the house good or bad is the level of property management companies rely on the decision. Fifth, how much money their own pockets to buy what kind of house, what kind of things to do. Sixth, consider themselves the owners can be a good one. the aftermath of the tenants services can not do, not too much to help developers, social, intermediate strength. and Writing / reporter Yu Meiying Photo / Chen Shu-one buyers: 舒可心 Developer: long-red bankers Zhang: Zhao Bo real estate investment Advisor: Chang Zheng buyers by: Ang Lee Yu Developer: Ge Yunqiu Lawyer: Deng Zemin related content please visit: