Fangro

"I'll take it down for you right away," Yang Zhen said in an affable way, "but I won't be involved in relisting the listing. You can find another agent and let him do it for you."

Because the first half of the sentence was too pleasing to the ear, the second half of the sentence made Zhou Aiguo stunned for several seconds. What is he, was he pushed back by the intermediary?

There are all kinds of beings, in the past years of real estate speculation, it is not that Zhou Aiguo has never had a falling out with a real estate agent.

There was an agent who asked him to ask him to drive up the house price. Later, the house was sold at a high price. Zhou Aiguo didn't want to give him so many "benefits", so he gave him a half discount. The agent dressed like a dog was so angry that he wanted to beat him. .Once when he was the buyer, the intermediary made a yin-yang contract, and he complained that he lost his job after being found out... Then the most recent time, it seems that last year when the house price rose the most, a child who had just joined the job bought it for him. The family complained, calling them speculators the moths of the country.

There are many similar conflicts. In short, Zhou Aiguo is an energetic and experienced speculator, and he is not surprised by any situation.

Moreover, Yang Zhen's refusal was very respectable, and it wouldn't make him unable to step down. Zhou Aiguo was just a little curious. As an intermediary like Yang Zhen, would he really not be fired because of too few orders?

"Do you think I'm annoying?" Zhou Aiguo couldn't hear any irritation or anger in his tone, and he opened the skylight and asked bluntly, "Repeatedly, selling for a while and not selling for a while?"

Yang Zhen would definitely not say "yes". His principle of handling things is that as long as there are no sharp conflicts, he must stay on the line. He smiled and said, "I can understand your considerations, but it's just that you can't get away recently."

The latter sentence is clear to both parties, which is a big lie. Nowadays, smartphones are so powerful that you can hang up and remove the listing with just a flick of your finger. It can be said that it is effortless, so it is not impossible to get rid of it. body, but I don’t want to play with you anymore.

"You can't," Zhou Aiguo said sharply, with the same tone as usual, "You think I'm not sincere, and I spend a long time hanging up and taking it down, and if you don't sell it in the end, your work will be wasted, so you don't want to be with me. Keep wasting your time."

That's what Yang Zhen meant, but dealing with people is not as easy as thinking secretly in his heart. He polished the answer: "You definitely want to sell, but you just want to wait for the best time in the market to sell. I don't think so. Doubt. It’s just that our intermediary finds the owner to take the house. The process is generally difficult, but you took the initiative to send the house to me. My colleagues said that I was hit by the pie. I am very grateful to you. I'm also very scared, afraid that there are too many chores, and I won't be able to follow up on your house in time."

"Fortunately, our company does not charge until the end of the intermediary service. Otherwise, the burden on my heart will be even heavier. You have been active in the second-hand housing market for longer than me. You must know many intermediaries who are more experienced than me. I will not help here. You recommended."

Zhou Aiguo laughed when he heard it.

The art of language is broad and profound, and it can be slapped in the face just as well. From his point of view, Yang Zhen's words stripped away his politeness and affection, and the rest of the central idea is this: It's not your problem, it's my fear, Then you didn't give any money, so you can go to whoever you love to harm, and I can just leave here.

"I do know a lot of agents," Zhou Aiguo said suddenly, "but before you knew me, why did you entrust you to sell this house?"

Yang Zhen has always been confused about this: "I don't know."

"You're a good young man," Zhou Aiguo couldn't escape the clutches of other people's children. He felt that Yang Zhen was at least better than his own bastard son. But people are very honest, and they don't have so many tricks, so people are willing to leave things to you."

No one wants to deal with liars. Zhou Aiguo gave a regretful "tsk" at this point: "I really want to make a deal with you, but I didn't expect that you would not be willing. It's a pity. I muttered in front of me, let me take care of your business."

The pie of love that fell from the sky is due to Zhou Chi. Yang Zhen smiled and said hypocritically: "Thank you Zhou Chi for helping me. Next time, we will contact you when you need it again."

Zhou Aiguo actually smiled, and said knowingly: "There shouldn't be a next time, Yang Zhen, I have a question for you."

Yang Zhen: "Tell me."

People will unconsciously pay attention to the people and things they care about. Wherever Zhou Aiguo goes recently, he can hear people talking about houses, expensive, scary, affordable, and unaffordable. When he eats at a Hong Kong-style restaurant for lunch, two women at the next table are talking about houses. Discussing the house.

One said the down payment was not enough, and the other said that she had enough and now it is not enough, so she gave up buying it, and asked her to get it if it was not enough, and started scolding if it was not enough, saying that the house was rising faster than taking a lift, real estate speculation It's killing people, even if she borrows it in a few days, it won't be enough.

Zhou Aiguo felt that these two women were superficial, but he didn't have time to pat the table to find someone to argue with. At this moment, he suddenly wanted to ask Yang Zhen to see what level his ideological realm is. Zhou Aiguo said: "Do you think this House prices have been jumping upwards for a month, causing many buyers to want to buy a house but not being able to, it was me, or people like me who pushed it up, right?"

If this question was put in front of Xiao Jiang and Sister Zheng who just grabbed the house, they would undoubtedly say yes, but Yang Zhen first has Comrade Quan Wei who must love the house and Wu, and then he took a class with Teacher Sun yesterday and learned half a jar The water jingled, but he didn't dare to answer casually.

-

Sun Shaoning chatted with Quan Wei at the dinner table yesterday, and the topic was bohemian, jumping from "Why can't you wash a leafy vegetable clean" to "Xiao Huang begged me to abduct your family Yang Zhen to the comic exhibition to sell face, you just No need to go" and then "What to do on New Year's Day", and finally went back to Quanwei's old business, and Mr. Sun gave a lecture on the lingering connection between the economy and the property market.

The topic was started by Quan Wei, his old man's mind is different from others, in this peaceful and prosperous world, somehow he thought of the real estate market under the financial crisis.

At that time, Sun Shaoning had a long hiccup and started his speech: "The two most typical examples in this regard are the real estate situation in Japan in 1990, and the housing supply cutoff caused by the subprime mortgage crisis in the United States in 2007. No matter how early the statistics are, there is only a century-old history of Chicago’s real estate cycle researched by a professor in the United States, but I just checked this, and I don’t know.”

"Let's talk about the Japanese real estate market in the 90s. Experts say that the starting point of the real estate market crash was the "Plaza Agreement" in 1985. After that, the yen began to appreciate, foreign hot money flocked to Tokyo, the stock market skyrocketed, and the real estate market exploded. Four years later , the house price in Japan has doubled. Look at the house price in our imperial capital now, 4+ a square meter, is it too expensive?"

Quan Wei and Yang Zhen nodded.

Sun Shaoning unrestrainedly raised his middle finger and pointed at the two of them, and said with disgust: "It seems that poverty limits your imagination. In Tokyo in 1989, the land price of the best commercial area was 100 million per square meter. Is it awesome?"

Quan Wei is not a person who has never seen money, but he was a little confused when he heard the price. If you don’t earn a small goal a day for a land of 100 million yuan, you are too embarrassed to do business on it, but how can you earn so many billions? He tried to make the impossible possible by saying: "Is the unit of 100 million Vietnamese Dong?"

Yang Zhen was a little at a loss, and began to use his mobile phone to check the relationship between Vietnamese Dong and RMB on his own.

Quan Wei seemed to have remembered something, and leaned over to whisper to Yang Zhen: "Vietnamese Dong is also a foreign currency, our 1 yuan is almost equal to more than 3000 of theirs."

Yang Zhen's mental arithmetic ability is top-notch, and he instantly completed the conversion of 100 million Vietnamese dong and 300 yuan of human life coins. Then he felt that Quan Wei was messing around again. He wanted to hear Sun Shaoning continue, so he glanced at the teacher and spoke to Quan in a low voice. Wei Wei made a request: "Don't interrupt."

"Get lost!" Sun Shaoning shot Quan Wei a glance, feeling that he was insulting the economy, "It's 100 million RMB."

Quan Wei Qiu Fu said: "That should collapse."

Everyone who owns a house wants to collapse, and the proletariat is even more happy to hear it. Sun Shaoning moved on to the next example smoothly: "Then there was the subprime mortgage crisis in the United States in 2007, according to experts."

Quan Wei didn't think Lao Tie was like a lecturer, but only thought he was like a repeater.

The repeater seriously recounted the painful history of other countries: "After the US Internet bubble burst in 2001, what was the name of the chairman of the Federal Reserve the next year? Oh, I just can't remember the foreign name. It doesn't matter. This chairman Smacking your face to make yourself fat, refusing to admit a recession, and shifting the loan market to real estate."

"At that time, their loans were made in this way. If a person wanted to buy a house, they should prepare a down payment, go to a mortgage broker, and the broker would help them contact a mortgage company. The company verified their identity, occupation, income and creditworthiness. The credit check in the US is simpler than ours, and the population base is different. You can find out whether you have evaded taxes or owed debts by simply swiping your credit card, so the loan should be very secure.”

"But who can resist the temptation of money, the little goblin, so the legendary Wall Street in the United States bought the loans from mortgage companies and packaged them into a security called a secured debt obligation (CDO). Many people saw that housing prices had risen. , and began to invest in CDOs wildly. If there is no market for such a hot security, there will be no market, and more mortgages will become a necessity.”

"Then the mortgage company started to lower the credit standards, lowered, and then lowered. If there is no need to lower it, they will fake it. On the other hand, the house price will rise gradually. In the end, you can't afford it if you cheat, and the property market will start to fall. The housing prices have risen, and inflation must also be inflated. The Fed has no choice but to raise interest rates. This increase is over. The number of people who cannot repay their loans has increased from small to large. In the end, everyone started to follow the trend and abandon loans just like when they followed the trend to buy houses. When financial institutions go bankrupt, the property market also collapses.”

Quan Wei: "That credit loan is a bit like the developer's routine of reducing the down payment ratio and discounting."

"It's a little bit, but the national conditions are still different," Sun Shaoning went on to popularize science, "When the global financial crisis broke out in 2008, we were also affected, but the official data is very interesting. The United States has abandoned loans one after another, but our domestic The loan abandonment rate is only 5%.”

"The high-leverage real estate speculators, needless to say, must be the first class to be hit by the financial turmoil. Once the economic crisis comes, they will be the first to be locked up. The 5% loan abandonment rate is simple and rude. Understood, it can be guessed that it is real estate speculators and a small number of working-class people who really cannot repay their loans.”

"People all over the country are scolding real estate speculators, saying that real estate speculators are harmful to the country, but they only account for 5%. Of course, this number is definitely not the same now, but compared to the base, the rich are still a minority, so why do housing prices keep rising? , and these 95% of ordinary people are also inseparable.”

-

Seeing that Yang Zhen hadn't spoken for a while, Zhou Aiguo started to ask and answer. This time, his voice was a little sarcastic: "When the house price is stable, everyone has the money to hold back from buying it. If they have to wait until the house price rises, they will jump like dumplings." Come into this pot, who put a knife on their necks and put a horn on their ears, forcing them to buy a house at this time? No, they voluntarily."

A word popped up in Yang Zhen's mind in an instant, human nature——