Rebirth in 1989: Creating the Chinese Technology Empire

Chapter 226 Gives strong medicine to real estate: Whoever supervises is responsible

"Xiao Sheng, do you have any good suggestions?"

After taking a few puffs of cigarette, the old man asked directly.

Seeing the sad look on the old man's face, Xu Huasheng also felt very distressed.At this age, they are still worried about this country. Each of these older generation revolutionaries has really devoted their whole life to this country.

"Sir, I think that to solve the real estate problem, we still need to get to the root of it. The most important thing to solve this problem is four words. Houses are for living, not for speculation. You must understand the essence of the house. The essence of the house is to live in, it is a A place of residence. You cannot turn it into a financial product. This is the most important thing..."

These words made the old man nod his head, yes, houses are for living in, not for speculation.As long as the nature of the house does not change, overheating of real estate will be largely avoided.

"If we want to prevent houses from becoming financial products, we need to work hard in many aspects. The first is purchase restrictions. Our Internet industry is coming soon, and computers will enter all walks of life. With computers, our national data can be connected to the Internet. You You can find out how many houses a person has under his name by just checking them. Direct purchase restrictions stipulate a maximum number of houses for each person in a city and a maximum number of houses in the country. This will prevent real estate speculators from going to speculators to the greatest extent."

"At the same time, there are purchase restrictions and sales restrictions. These real estate speculators want to cash out quickly, but if the holding costs increase significantly, they have to consider it. For example, if the purchase of a house is restricted and no sales are allowed within five years, they will When speculating on a house, you have to consider whether you can afford the holding cost..."

Xu Huasheng's words made the boss laugh. Limiting purchases and sales is indeed a good method.

"In addition to purchase and sale restrictions, land finance also needs to be restrained to prevent local governments from selling land without restraint. The most important thing is to supervise funds. Excessive funds must not be allowed to flow into real estate, which will choke the neck in terms of funds and avoid Too much money flows into the real estate field. If you ask me, it would be best to cancel the pre-sale system. All properties must be sold as ready-made houses. This will directly block most of the white-glove white wolves who do not have enough financial resources but want to take advantage of the loopholes. people..."

Xu Huasheng said directly, which made the boss stunned.

"White wolf with white gloves? How to wear them?"

The old man asked curiously.

"Sir, it's very simple. I first use a sum of money to get a piece of land. Then I use the land as a mortgage to get a loan from the bank. This is the first money I get from the land. Then I build a sales office and start selling off-plan properties. , get the second amount of money from the people. When I build a house, I ask the construction team or material suppliers to advance the funds first. As long as I am large enough and reserve enough profits for them, it is totally fine. In this way I paid to buy a piece of land, and I got three pieces of money. Then I used these three pieces of money to get three more pieces of land. In this way, I can get another nine pieces of money. By then This snowball keeps getting bigger and bigger. When the real estate market is good, as long as the capital chain continues, I can continue to borrow and play. As long as housing prices are rising, as long as I can still hand over the house, it will be fine. But once the real estate market is in a downturn, funds will Once the chain breaks, the huge snowball will collapse and turn into a puddle of water, drowning everyone..."

Xu Huasheng's operation made the boss a little stunned.

"Sir, it is very scary for this snowball to roll, because there are too many people who benefit, so there are many people to push this snowball to roll. The most important thing is that if one person has the ability to succeed, then everyone will play like this, because come Money is moving too fast. In the end, our country's real estate will become one snowball after another, and one real estate company after another will become bigger and stronger. Not only private companies, but also state-owned enterprises, central enterprises, and local enterprises will definitely come in. Who can run a business properly if the money earned from running a business well in a year is not as much as building a building? By then all the funds will go into real estate, and houses will be built all over the country, in big cities and small cities. In counties and villages, if there are no restrictions, these capitals can build houses that will last several lifetimes. But the number of people who can buy houses is limited. Sooner or later, those who take over the houses will run out, and the money in people's wallets will be emptied. that time……"

Xu Huasheng's words made the boss swallow his saliva. He could imagine how terrifying that scene would be.

"Isn't this what Japan is like? We have also seen the final result. The real estate bubble burst. In the next few decades, Japan's economy will stagnate and continue to pay off the debt owed by real estate. After the bubble burst, countless families lost their life savings. The houses bought will be worthless, and the money people spend will turn into unfinished houses or even into a piece of wasteland. Those who make money from real estate will either be arrested or go abroad to live happily. , what can the country do..."

Xu Huasheng's narration made the boss immediately understand the routine of this gameplay.

"So I say it's best to cancel the pre-sale system, strengthen supervision, and set up a supervision system to prevent this snowball from rolling. If you, a developer, take a piece of land and use the land to get a loan, the money you get can only go into the supervision account. This The money can only be used to build this project and cannot be used for other purposes. After the house is built, sales of existing houses will be started. In this way, even if the housing prices are higher, at least the house that our people bought with six wallets will not be in vain. , even if house prices fall in the future, at least they will get the house and be able to live in it. After the developer sells the house, he can use the money he gets to buy a second piece of land and continue development, so as to avoid the situation of being left empty handed... "

"And this process must be strictly supervised, and responsibilities must be divided. Whoever supervises the money in the supervision account is responsible. For example, the pre-sale system is still used, but the developer does not use the money from the supervision account to build houses, but uses it for other purposes. The money was taken away for some reason. As a result, the house was in ruins and could not be handed over to the people. Then whoever is responsible for supervising the money needs to be responsible for building and delivering the house. You are the supervisor, don't care about the reason, even if the development Business fraud, collusion between government and business, etc., that is also your internal fault. You cannot say that if you hand over your internal people to law enforcement agencies, you will no longer be responsible. You are asked to supervise the money, but the money is gone. You cannot say anything about the employees. There will be no responsibility..."

Xu Huasheng kept talking and kept telling what he knew.

"Whoever supervises will be responsible. This is right and only natural."

The old man thought about it carefully and found it very reasonable.

"Yes, sir, it's not just real estate. In fact, it should be like this in all industries. You are the regulatory department and you are a vested interest. Your department must bear corresponding responsibilities. For example, a senior executive of our Huasheng Group Guan defrauded people of their money in the name of our group and was finally caught. Can we, Huasheng Group, just pass all the blame on to the executives?"

Xu Huasheng asked back, which made the old man raise his head and look at him.