After hearing what the bearded Hu Zou Qiang said, everyone was confused.
I feel like this person's words are a bit convoluted.
But according to normal logic, those who died in the villa must also be the family members of the owner of the villa.
Before Gu Chen and Lu Weiwei could speak, Xu Fangzhi couldn't wait to ask: "So, are they the family of the owner of this villa?"
"No, it's a small developer." Zou Qiang said.
Xu Fangzhi shook his head: "I don't quite understand. Can you be more specific?"
"He is a small developer and the creditor of the owner of the house." Zou Qiang led everyone to the rooftop of the villa, then leaned on the guardrail, pointed to an unfinished building not far away and said, "See the unfinished buildings over there.
Have you gone upstairs yet?"
"I saw it, what do you want to say to me?" Xu Fangzhi walked to the guardrail and looked at the unfinished building in the distance.
The unfinished building is located opposite the Blue Mountain villa area. All floor frames have been built, but it is abandoned there.
After Gu Chen thought about it, he also said curiously: "I know these unfinished buildings. They were unfinished here a few years ago. Many victims of pre-orders were trapped here."
"Yes, after all, we just don't have the money to continue." Zou Qiang turned around and explained the reason for the situation to everyone.
"The original owner of our house was also one of the developers of that building."
"Later on, they owed more and more debts, and the money for the project opposite was a bottomless pit. The owner of this villa was no longer able to afford the high debt."
"One day, a developer who was in debt came here to argue with the owner of this house."
"Let him get back everyone's arrears no matter what, even if he sells the villa."
"What happened next? The owner of this villa didn't agree, right?" Lu Weiwei asked.
"Just as you expected." Zou Qiang walked up and down the rooftop twice with his hands behind his back, and then said: "It's not a matter of not being able to repay it, it's that there are too many debts. Even if we sell this villa,
If it falls, it won’t be able to fill the hole.”
"Debt disputes in unfinished buildings are very complicated. If you give money to that creditor, what will happen to the other creditors?"
"So the owner of this villa has been hiding and has not paid back his debts."
"But the small developer still discovered it that day, so he blocked him at home and insisted on making him pay back the money."
Gu Chen nodded silently, feeling that the current real estate world is still so chaotic?
Although we know that we want to develop a real estate, a developer simply does not have the strength, unless it is a large enterprise.
However, many projects of large enterprises are also subcontracted to other small developers who advance funds, and there are various debt disputes, so it will be very complicated.
Especially the larger the property, the more debt disputes there will be.
"So... it was the small developer who died, right?" Gu Chen had a rough guess based on the tone of the bearded Hu Zou Qiang.
Zou Qiang nodded silently and sighed: "It was also here, on the rooftop, that a small developer had a dispute with the owner of the house, and the two even got into a fight."
"Later, the small developer accidentally slipped from the rooftop and fell downstairs. He died on the spot."
"So this villa has become a haunted house."
"Wait a minute." Hearing Zou Qiang's words, Gu Chen was a little in disbelief. He patted the guardrail and explained: "I think this guardrail is quite high. A person with my height may not be able to easily climb over the guardrail. Is it the height of the deceased?"
More than 1.9 meters?"
"Well... the deceased was a little over 1.6 meters tall," Zou Qiang said.
"A little more than 1.6 meters?" Lu Weiwei heard this and gestured with her hands on the spot: "I am 168cm tall and it is difficult to climb down from here. How could the deceased climb down by himself?"
"Then I don't know. I heard from the security guard that the owner of the villa asked them to come here."
"The small developer was on the first floor at that time. It may be that the two of them struggled too much and accidentally fell down. This is entirely possible."
Zou Qiang seemed to have only a superficial understanding of this. Since Xu Fangzhi wanted to know clearly later during the live broadcast, Zou Qiang had no choice but to inform him of the situation.
Lu Weiwei looked curious and continued to ask: "But, I really want to know how this matter was handled later?"
"What else can we do? Just spend money to eliminate the disaster, otherwise why do you think you are selling the villa?"
Zou Qiang looked calm and explained.
Xu Fangzhi nodded silently: "I have probably figured it out. The reason for co-writing is because he wanted to have an affair with the developer's family, so the owner of the house decided to sell the villa to raise cash?"
"That's about it." Zou Qiang looked at the unfinished buildings in front of him and couldn't help but sigh:
"Actually, I feel that the framework of this unfinished building has been built. We invite some developers to come over and continue to work on it. If water and electricity are provided, the buildings can be handed over directly. But why has it been unfinished for so many years?"
"Because we are waiting for housing prices to rise." Seeing that Zou Qiang did not understand the reason, Gu Chen on the side explained it clearly.
Zou Qiang was stunned and didn't quite understand, so he continued to ask Gu Chen: "What do you mean?"
"It seems that you haven't really figured out why unfinished buildings are unfinished."
Gu Chen put his hands behind his back and faced the huge cluster of unfinished buildings. He couldn't help but sigh and said:
"Actually, many people think that the unfinished buildings are just because the developers have temporarily run out of money, so they have not carried out the final decoration, water and electricity, etc."
"That's right, isn't it?" Xu Fangzhi on the side also asked.
Gu Chen shook his head and explained to the two of them: "That's not the problem. You think you just need to spend some money casually, or even spend some money yourself, and then do the finishing work."
"Then, can this house be sold? Then can we make a lot of money?"
Confused by Gu Chen's soul torture, Xu Fangzhi and Zou Qiang looked at each other, a little confused.
Lu Weiwei asked modestly: "Then you mean, the root of the problem is not here?"
"Of course not." Gu Chen smiled faintly, found a seat on the rooftop and sat down first, looking at the unfinished corridor:
"The reason why many people think this way is because they have never been exposed to engineering and do not know the complexity of unfinished buildings."
"Think about it, if it was really what you think it is, how could it be an unfinished building?"
"You can go to any bank and they will give you money. Who can't afford this little money?"
"But, if that's the case, then the bank may not have loaned money to the developer, right?" Xu Fangzhi asked weakly.
"Does that need to be said?" Gu Chen grinned and continued to explain: "Banks are not stupid and will not be fooled."
"But in fact, if a house can become a bad building, it will definitely be followed by a lot of bad debts."
"Some buildings have even been renovated and have water and electricity. They can even be completely finished by spending hundreds of thousands more, but they are still unfinished buildings."
"Because at this time, the construction company will block the construction site and prohibit everyone from carrying out the final finishing work."
"Ah?" After hearing what Gu Chen said, Lu Weiwei was a little confused: "So...the reason why the unfinished building is unfinished is actually here. Is it because the construction party stopped the construction?"
"Absolutely." Gu Chen nodded, confirming what he just said.
But Xu Fangzhi and Zou Qiang didn't quite understand.
The two of them also looked at each other.
Xu Fangzhi asked Gu Chen with a humble attitude: "Then why is this happening? This sounds a bit illogical."
"Because no developer will allow the capital chain to be broken." Gu Chen said.
Xu Fangzhi still shook his head: "I still don't understand."
"Okay, let me put it another way." Seeing that Xu Fangzhi was quite interested in this aspect, Gu Chen didn't hide it and told him straightforwardly:
"Because no developer will allow the capital chain to be broken. They will do everything they can to delay the situation until the day of turnaround comes."
"If they can think of any way to find money, they will try it. They will even mortgage everything that can be mortgaged."
"As long as they survive and the project is completed, it doesn't matter."
"What if it doesn't work?" Zou Qiang asked.
"Can't it be done? If it can't be done, you will die anyway." Gu Chen smiled lightly, shook his head, and said involuntarily:
"This involves a capital operation issue. Therefore, one of the characteristics of unfinished buildings is that they have a lot of debt and the creditor's rights structure is extremely complex."
“The same property may even be frozen by the bank more than ten times due to repeated mortgages.”
"There is only one piece of meat, but there are dozens of people who want to eat it."
"If it were you, how would you divide this meat?"
"This..." After hearing what Gu Chen said, Zou Qiang nodded silently, feeling that it made sense.
Lu Weiwei asked Gu Chen: "So once this is completely completed, there will be an incident of house grabbing, right?"
"Yes." Gu Chen agreed: "Because even if there is still 10,000 yuan left, this building will be completely completed, and he will never be able to finish the work."
"Because this is not an engineering issue at all, but a debt issue."
"That seems to be the case." It felt like Gu Chen had done a lot of research in this area, and Xu Fangzhi suddenly admired Gu Chen.
But looking at the unfinished building at the other end, Xu Fangzhi said indifferently: "Anyway, whether it is unfinished or not, what does it have to do with us ordinary people?"
"I'm here to be the host of a haunted house sleep trial. The boss can't give me any less money. If I can sell the house during the live broadcast, I can't take any less of the commission."
"Haha." After listening to Xu Fangzhi's words, Gu Chen shook his head: "You make your money, maybe these unfinished buildings have nothing to do with you."
"However, don't think that unfinished buildings pose no threat to you."
"Huh? How do you say this?" Although he felt that Gu Chen was young, judging from the conversation just now, Zou Qiang, the bearded Hu, could already tell that there was something in this kid's belly.
Gu Chen crossed his arms and explained to everyone: "The reason is very simple, because our country's real estate has been in a bull market since 1998."
"One-sided rise, occasional correction."
"So, the vast majority of Chinese people have no special feelings about unfinished buildings."
"But in fact, in the past 20 years, our country has produced so many unfinished buildings."
"And those small developers who died because of misuse of leverage can fill up Jiangnan Lake."
"The core reason for the unfinished buildings, as I said just now, is that developers take money that does not belong to them."
"But this money is either generated from loans or pre-sales."
After a pause, Gu Chen glanced at everyone and saw that everyone was paying attention, so he said again:
"In fact, it stands to reason that after the unfinished building occurs, the interests of the owners who have paid for the house will be seriously damaged."
"That's for sure." Bearded Hu Zou Qiang didn't have such a bad attitude when he spoke now, and said in a soft tone: "The owners who have already paid for the house will suffer a huge loss."
"The money has been paid, but the house has become an unfinished project, and I still don't understand it. As you just said, the vast majority of Chinese people don't have much feelings about unfinished buildings. Is there anything wrong with this?
?”
"That's because in the past 20 years, housing prices have been rising and rising." Gu Chen broke the mystery and said:
"In fact, raising prices can solve all conflicts and problems."
Lifting his fingers, Gu Chen added: "Let me use an analogy. Suppose that a certain unfinished real estate is worth 100 million."
"Then the developer owes 300 million yuan in debt. In the middle, there is a 200 million hole that no one is willing to fill. As a result, the problem of unfinished buildings has never been solved."
"Then let me ask you, how to solve this 100 million hole?"
"No... there is no way to solve it, there is no solution." Xu Fangzhi said.
Gu Chen nodded silently, but said with a faint smile: "That's right or wrong, because as long as housing prices rise, everything will be easy."
"If the house price doubles, the real estate will be worth 200 million."
This chapter is not over yet, please click on the next page to continue reading! "Doubling it again will be worth 400 million."
"It used to be a 200 million hole, but now it's a 100 million profit."
"At this time, someone will be willing to take over, because whoever takes over will make money."
"Many unfinished buildings are digested in this way, and everyone is happy."
"So that's it? Price increases can solve all conflicts?" Xu Fangzhi also suddenly realized after listening to Gu Chen's theory.
Zou Qiang also looked ashamed: "This capital operation is really terrifying."
"Nothing has changed, but when time changes, all the problems are solved, and unfinished buildings can still make money. This...is this a capital game, right?"
Gu Chen stood up, walked between the two of them and said, "So the owner of this villa, one of the owners of that unfinished building, is also waiting for the opportunity."
"So, in the initial stage, the less debt the developer owes, the easier it will be to digest unfinished buildings."
"And if the debt is less than twice the amount, a one-time doubling of the market price can solve all the problems."
"In other words, in the past 20 years, we have relied on price increases to solve the problem of unfinished buildings, but we have never had the experience to solve the problem of unfinished buildings without raising prices."
"In fact, domestic real estate has been booming for 20 years."
"So...so, will domestic real estate double in a few years like before? If not, then won't the owner of this villa be finished?"
Listening to Gu Chen's story, Zou Qiang, a bearded man, seemed to understand the relationship.
Gu Chen smiled faintly and explained to everyone: "If you are still thinking about relying on price increases to solve the problem of unfinished buildings, it is absolutely impossible."
"Because even if housing prices don't fall, they will definitely rise very slowly."
"Even in the real estate bull market, there are small developers who are desperate and go bankrupt, leading to unfinished projects."
"So, if housing prices lose their pace of growth, the problem of unfinished property will increase dramatically."
Seeing that Zou Qiang frowned and seemed to be in a bad mood, Gu Chen continued to add: "After all, this is a pre-sale system, and all the money that should be taken has been taken."
"Because the developer got the owner's money, but owed the construction team's money and the bank's money. He spread his hands and said he had no money. What can you do to him?"
"Then I'll become a deadbeat." Xu Fangzhi said.
Gu Chen smiled faintly: "Lao Lai is sure, but they will use capital operations to transfer the money."
"So, in the past, this kind of debt black hole usually relied on price increases to solve the problem."
"Every unfinished building can only be digested by doubling the market price later."
"And this kind of doubling of market prices will never happen again in the future."
"Without the huge profits brought by doubling the market price and filling the debt hole, this unfinished building is an unsolvable existence."
Looking up at the few people, Gu Chen added: "It is precisely because of this that we implement the existing housing policy."
"We need to gradually cancel the pre-sale housing system, because after using existing housing sales, even if it is unfinished, it will be the developer's own debt problem and will not trigger large-scale owner rights protection."
"Yes." After hearing Gu Chen's words, Lu Weiwei also said thoughtfully:
"After all, these owners spent all their savings and carried mortgage payments for a lifetime to buy their houses. Even if they fall a little, they can't bear it, let alone if it's unfinished and the developer runs away."
"Harmful!" Zou Qiang seemed very angry, walking back and forth on the rooftop, and then said: "So once an unfinished building occurs, it will never be as easy to deal with as imagined, right?"
Gu Chen nodded silently: "Whoever is in trouble will be unlucky. After all, it can only be solved if the market price doubles. Other...nothing will work."
"After all, in the past, this problem was not difficult. It would take a few years to get back the money. At most, others would double their money. If I didn't make any money, I wouldn't lose money."
"However, such good things will never happen again in the future, and unfinished buildings will also become a huge problem."
"I understand." Xu Fangzhi breathed a long sigh of relief and couldn't help but said: "So in the next few years, we should try not to buy pre-sale properties from small developers who are not strong in strength."
"Yes, if you must buy it, please check all the five certificates before purchasing, carefully review the contract, and pay carefully."
After thinking about it, Gu Chen continued to add: "So if you encounter an unfinished building, it's best to make sure that you have the ability to bear the risk."
"Because there is a risk of unfinished business in the pre-sale system. In the past, this risk could be ignored, but now the situation is different."
As soon as Gu Chen finished speaking, he heard Hu Zou Qiang sighing.
Gu Chen was confused and asked kindly: "Brother Zou, are you okay?"
... If you like I Am a Super Police Officer, please collect it: (www.sodu777.net) I Am a Super Police Officer search novel website has the fastest update speed on the entire Internet.
