domeet webmaster

Shenzhen house prices have risen for more than half a year. At the same time that house prices have skyrocketed, they have also attracted a lot of speculators.

Recently, netizen 7 Sister Crab (whose name: Wei Jing) broke the news that he was used to the Weibo Da V “Shen Fang Li” routine and entered a house buying scam. Lending and maintaining loans eventually led to a break in the capital chain, and the houses that were bought with untold hardships were sealed up.

Victims are far more than one. Yang Qiao from Henan was also impressed by the story fabricated by the big V. This year, May 1st traveled to Shenzhen for a loan and paid tens of thousands of fees before and after. The operation did not conform to common sense, and finally Yang Qiao gave up the idea of ​​buying a house in Shenzhen.

In the face of the accusations from netizens, “Shenfang Li” was unimpressed, only saying that “kindness is more important than cleverness”, and emphasized that he “diligently taught members to buy houses to make money, but encountered such accusations, it is really a disaster. “. The comment area below the “Shenfang Li” Weibo is also peaceful, and they all expressed understanding of the general manager (Shenfang Li).

Publically speaking, the public is reasonable, and the wife said that the mother is reasonable, oh, what a big show!

01

“Great man” “Shenfang Li”

It is not too early to say that there is no profit, but in the hearts of fans of “Shenfang Li”, this big V does not seem to be such a person. Judging from their speeches alone, Shen Fangli is simply living Lei Feng. He made a special trip to save them from fire and water and lead them to get rich.

Don’t say how high the “gold content” of these fans is, in terms of their speeches, Shen Fangli is indeed a good person.

So, how did the good guy “Shenfang Li” get started? The big V claimed to be an expert in the real estate field, with millions of fans. He went to Shenzhen in 2014 and floated in the property market for more than a year. He dug up the “high-tech” of making real estate and making countless leek into the game.

And his leeks are mainly divorced women, “Shen Fang Li” once said: “Relax, you have me behind you.”

In September 2019, Wei Jing followed Weibo and the live broadcast of “Shenfang Li” and was deeply attracted by his speech about the soaring housing prices in Shenzhen.At the time, “Shenfang Li” claimed to be a successful person with 30 Shenzhen properties, 10 of which were under his name, and another 20 properties. He was the actual purchaser. So Wei Jing paid a membership fee of 2,980 yuan and a membership fee of 9,800 yuan for the cradle plan, and became a member of the “Shenfang Li” real estate speculation group.

After joining the group chat, Wei Jing found that the tutor has been advocating that housing prices in Shenzhen will skyrocket in the group. It is the right way to seize the opportunity to buy a house, and said that it will provide members with convenient channels to help them get on the bus smoothly in Shenzhen.

In February this year, when people were separated from home, Wei Jing got on the “car” in the Shenzhen property market and became a member of the “Shenfangli” women’s real estate speculation group. In the course of the transaction, the handling fee for social security plus the company transfer fee was 8,000 yuan, plus a service fee of 10,000 yuan in advance. This part of the fee was suspected to be given to an intermediary.

Wei Jing is 48 years old, and has passed the age limit for Shenzhen to settle down. The “Shenfang Li” team suggested that she fake marriage and settle in Shenzhen before she got a room ticket. Marriage registration requires 30,000, and the bank loan process adds 20,000.

Before the house was bought, he began to pay endlessly. After counting the previous membership fee, Wei Jing paid seven or eighty thousand yuan.

The qualifications for buying a house are thus obtained, and the house is also optimistic, with a total value of 7.28 million, located in the Qianhai era in Shenzhen. As a result, there was a problem when it came to buying a house. The money for the real estate group loan came from a small loan company. We need to add Wei Jing’s down payment to make up the full amount to buy a house and transfer.

Wei Jing said that she had originally prepared a down payment ratio of 2.18 million according to the requirements of “Shenfang Li”. However, in the course of practical operation, the micro-loan company promised to significantly reduce the advances, resulting in a significant increase in her down payment ratio. After hard communication, it still needs 40.292 million. Eventually, she borrowed 2.92 million yuan, and then borrowed 4.36 million yuan from the small loan company. The debt was heavy and she finally got on the bus.

But fortunately, the routine of the Shen Fang Li Real Estate Group in Wei Jing’s mouth is to use loans to raise money, buy a house for the full amount, get the house capital, transfer the house to the bank, and apply a low-interest operating loan to achieve The “perpetual motive” model of lending.

In theory, as long as you make enough down payment, you can buy a house in Shenzhen and get on the bus.

Wu Jing, who paid the down payment, did not expect that there would be more routines waiting for her.

02

An endless stream of routines

After receiving the down payment from Wei Jing, the “Shenfang Li” team went out again. During this period, intermediary Yin Mourong played a vital role.

It is understood that in the process of Wei Jing’s operation of buying a house, the loan company contacted by Yin Mourong made an advance of 4.36 million yuan. On April 9, the house valued at 7.28 million yuan in the Qianhai era in Shenzhen was transferred to Wei Jing. If there is no accident, Wei Jing can mortgage the house to the bank to obtain a mortgage operating loan, and then repay the high-interest loan owed by the interest rate difference in the middle.

During this period, Yin Mourong again charged Wei Jing with an intermediary fee of 23,000 yuan on the grounds that Wei Jing was too old and the marriage partner was too young. Once married. As a result, I did not expect that during this period, Shenzhen introduced new regulations on the operation of real estate loans, and it is strictly forbidden to mortgage the house. The real estate certificate cannot be loaned within 6 months of the acquisition.

Wei Jing’s dream of “perpetual motion” fell through, and the use of loans to raise loans became a joke, but she had not less debt. Of course, Wei Jing was not idle. During this period, she rented out the house and earned rent from it.

Looking that the usury mortgage loan is not yet available, Yin Mourong took Wei Jing to continue to look for small loan companies, with a monthly interest rate of 1 point 2 and an annual interest rate of 14.4%, to repay the loan of the previous company, the loan for six months; Then mortgage the house to the bank to take a corporate loan and pay off the loan.

However, the new problem came again. The new loan company is only willing to lend 4.3 million yuan, and the total bridge loan Wei Jing needs to repay is 4.36 million yuan.

At this time, Wei Jing has reached the point where purses are cleaner than her face, and she once again found her life tutor, “Shenfang Li”.

On the afternoon of April 30, Wei Jing called the live room of “Shenfang Li”. “Shenfang Li” said on Weibo that he still doesn’t know who this intermediary Yin Xrong is. He originally thought he was a member of his team, but the result was not. After some setbacks, the staff of “Shenfang Li” transferred Wei Jing 60,000 yuan.

At that time, no one thought that this 60,000 yuan would become the last straw that crushed Wei Jing.

After receiving the 60,000 yuan, Wei Jing carried out a very magical operation. She did not transfer the 60,000 yuan to the small loan company, and refused to pay interest. The small loan company applied to the Shenzhen Luohu Court for seizing Wei Jing’s property, and Wei Jing’s bank account was subsequently frozen.

Therefore, a big show of “Routine Loan to Buy a House” kicked off on Weibo. Along the way, there was also the “loan interest chain” of the Shenzhen property market, real estate microblogging big V, and intermediary companies and small loan companies, which promoted soaring house prices and coaxed speculators into the game.

From mortgaged property toThe intermediary advances the capital, pays the operating loan after paying the full amount, repays the advance, repays the loan after getting the house price, and then mortgages with the new house price-as long as the housing price rises fast enough, then the real estate speculators do not feel that they will lose money.

Take Wei Jing’s house in the Qianhai era as an example. When the house was handed over in April, the total price was 7.28 million. Now it has risen to 7.5 million.

It’s no wonder that the big fans of Big V said on Weibo that Wei Jing lived up to the goodness of “Shen Fang Li”.

Probably, there is a little bit of sincerity in it.

03

Conclusion

It is said that the human heart is not enough, and the ancients never bullied me.

Talking about routines, but in the final analysis it is still speculation by speculators and blind superstitions about skyrocketing housing prices. And the “Shen Fang Li” and the like, only use this greed.

Over the past six months of the Shenzhen property market, chaos has emerged, house prices have skyrocketed, and the rapid development during the epidemic has led to a bull market in 2016. Wei Jing is just one of the speculators. In Shenzhen, there may not be more Wei Jing.

Recently, there are rumors that there has been a cessation of supply in Shenzhen, which is quite popular. Shenzhen’s continuous supply is far from being confirmed by a picture. But we all know that the current housing prices in Shenzhen are too high, and the price-to-income ratio ranks second in the world, and the first place is Hong Kong, which is close to Shenzhen.

You and I all know that Shenzhen cannot be Hong Kong.

As for the dumping of tenants, it can only be said that the one who crushed the camel is never the last straw.