For my own buy investment property, for example, I looked at the recent listing price of about 3.65 million, leased to the shell should be able to have 6000, 5600 freely, are similar.
According to eggshell operator, 0.019. It looks very unscientific, right?
But when I bought how much money do? 1.66 million. That is 0.043, and the normal range of internationally once. Do not say inflation, bought a total of a few years, the past few years cpi is not high, you have to count by m2 suggest you go back and re-read undergraduate teaching.
Then I paid the down payment How much? 400000. That I get to collect rent 1,660,000 400,000 house and then rose to 3.65 million - that's the power of leverage.
Do you think the rent is low leverage and ignore the price to be deceived by the fact I paid the cost of capital is not large, let's say I had completely covered the rental property mortgage + costs + heating costs, and revenue fails to start next year the future earnings higher than the prior year.
That mortgage has this thing for me does not exist.
And like me, before the end of the year soared 15 people buy a house majority, these people are not in accordance with the ratio of rental price to count, like saying we are 3.65 million houses, my loan is 5000, your loan 15,000, that can be the same?
Of course, say this is not to show off, just want to say can not be invested in the house (of course, the first suite or buy, because the first set of loans must bring spree, Guangzhou and Shenzhen, which is the same account Cock wire Xinshoucun welfare), each investment products has a specific investment time period, after this period might never gone.
Let's say early 2000 to 2007 epic bull market, it is really fundamental support, eyes closed can make money, but you will see later in 2008 and 4 trillion crazy interest rates, the first reaction should be immediately and then clearing buy a house, there are chances of people is bound to ashes.
17 years to 18 years, the property market is 07-08 years of the stock market, is the last of the crazy, if you choose to invest in the property market, it will inevitably become a guard of disk access Xia.
I am 18 years began to buy gold on appeal, has been concerned about my people know, then off gold rose 20 points, fully 15 years to catch up with the magnitude of skyrocketing housing prices, but there are a few people have told me?
Everyone has their own mindset, you begin to focus on what the fire earliest years of capital markets, may your life will be a soft spot for this stuff, this is taboo.
Really should do is find out the operating rules of economics and finance, ready to extricate yourself, go to the next node, this is the house gives us a lesson. Sometimes on the "beach-goers" is the word feeling quite deep, it does not mean to say that the moment you stand at the forefront, but that has the ability to determine when and when high tide low tide, where the tide where calm, called this " try their hand. "
Deeper feelings that 99% of people are trying to learn to accept the good work of education, but there was such a person is to be harvested, and no one told them that choice is more important than the effort. I the past few years to 99% of people write articles against the struggle against forced consumerism, promote neighborhood advocate commune promote mutual insurance, no marriage infertility, promote positive Masquerade.
Essentially does not mean that this can live better, but I really do not believe that most people under the logic of capital can live better, it might as well not give it as nourishment, just walk away.
Try their hand may be able to give a great excitement and a sense of accomplishment, but it is not a society should look like, scientists and engineers should be better than speculators life, our world is healthy, human development can progress .
So I very much agree with Zizek said self-destruction of capitalism from getting closer.
[Edit on 2019-08-05]
Reproduced
original link: https://www.zhihu.com/question/331058669/answer/775393000