EG :: Volume #17

#1669: A person does not want ( 10 / 10 )

LNMTL needs user funding to survive Read More

Feng Yu wakes up from the sleep, airplane must descend, he arrived at New York again. 冯宇从睡梦中醒来,飞机要降落了,他再一次来到了纽约。 Wind & Rain Consultation has purchased many US real estate Corporation stocks, this time he comes to see, when undersells appropriately. 风雨咨询购买了许多米国房地产公司的股票,这次他是来看看,什么时候抛售最为合适。 Previous generation many people know that the US this year, led to the serious sub-prime loan crisis, and affects the global finance industry rapidly, most people think the blasting fuse, is two groups. 前世很多人都知道,米国在今年,爆发了严重的次贷危机,并且迅速波及到全球金融业,大部分人都以为导火索,是两房集团。 But in fact, currently had some clue, but the genuine blasting fuse, is US second largest overlying mortgage lending institute new century finance Corporation. 但实际上,现在就已经有了一些端倪,而真正的导火索,是米国第二大次级抵押贷款机构新世纪金融公司。 What is the overlying mortgage loan? Is the US is divided into the fifth gear individual credit, first and second grades of credit are superior and good, can carry on the preferential level loan, surplus third gear credit is low, can only use loans secondarily. 什么叫次级抵押贷款呢？就是米国将个人信用度分为五档,其中第一、二档信用度为优、良的,可以进行优惠级贷款,剩余的三档信用度较低的,只能使用次级贷款。 To put it bluntly, the secondary loan, is bad to these credit, loan that the income not high person prepares. 说白了,次级贷款,就是给那些信用度较差,收入不高的人准备的贷款。 Many people know that the US that side person likes loaning the life. Various bank loans, the credit card swipes the card spends ahead of time, they think that such life is very good, in the lifetime, enjoyed the life. 许多人都知道,米国那边人喜欢贷款生活。各种银行贷款,信用卡刷卡提前消费等,他们认为这样的生活很好,在有生之年,享受了生活。 But China this contributing money, then contributed money the pattern that spends again, in their opinion is very laughable. 而华夏这种攒钱,然后攒够了钱再去消费的模式,在他们看来是非常可笑的。 Because of many products, when you contributed money, rose in prices. But the scope of rising in prices, could exceed the bank interest. Why then does not loan the expense, can manifest enjoys the good life, perhaps can also economize. 因为许多产品,等你攒够钱的时候,已经涨价了。而涨价的幅度,可能要超过银行利息。那么为什么不贷款消费呢,既能体现享受更好的生活,说不定还能省钱了呢。 However this view is also very laughable, because of many products, with the lapse of time, the price reduces, the product that in other words purchases is the depreciation. 但是这种说法也是非常可笑的,因为许多产品,随着时间的推移,价格是降低的,也就是说购买的这个产品是贬值的。 Then you must be the interest of this product payment high quota, nature on many of owing. Indeed, you enjoyed ahead of time, but possibly made this burden press your half a lifetime. 那么你要为这个产品支付高额的利息,自然就亏的更多。诚然,你提前享受到了,但是却可能让这个负担压了你半辈子。 Only if just needed, otherwise lives like this, looks like in many China people, is the third branch eats Mou Liang, is the behavior of ruined family! 除非是刚需,否则这样生活,在许多华夏人看来,就是寅吃牟粮,是败家的行为！ Many China people do not dare to loan, for fear that cannot return, but that side the US loans is bold, what to do if can't return? Simple, loaned from another bank once more, returns here money not on the line? 许多华夏人不敢贷款,生怕还不上,但是米国那边则贷款都非常大胆,如果还不上怎么办？简单啊,从另外一个银行再次贷款,还上这边的钱不就行了？ Two credit sleeve chucks brush, repayments time difference one month, this are many one month of making money the time, can return this sum of money. 两张信用卡套刷,相互之间还款时间差一个月,这样就多出一个月赚钱的时间,可以还上这笔钱。 Theoretically is this, what to do but once if makes the insufficient money? Lent money 10,000, only needs also 10,200, but you loan 10,200 from other bank again, then must are also more. 理论上是这样的,但是如果一旦赚不够钱怎么办？原本借贷10000块,只需要还10200,但是你再从另外银行贷款10200,那么就要还的更多。 After many credit sleeve chucks brush, you will discover 10,000 that borrowed, turned into 12,000, moreover is growing. 通过多张信用卡套刷之后,你会发现原本借的10000块,已经变成了12000,而且还在增长中。 So long as there is bank to think that your repayments time was late, card your, then the plan of this sets brushing died, the person of loan, could pay off a debt in labor with other properties. If cannot return, that can only choose the bankruptcy protection. 只要有一个银行认为你还款时间迟了,卡了你一下,那么这个套刷的方案就夭折了,贷款的人,可能就要用其他资产来抵债。如果还不上,那就只能选择破产保护。 It seems like the bankruptcy is to your one protection, these money can not worry, even can not use. However during bankruptcy protection, all your expenses must be limited, but must be supervised by bank, even is the police ~ supervision that observes, this has let the person of comfortable life, how can accept? 看似破产是对你的一种保护,这些钱可以不着急还了,甚至可以不用还了。但是破产保护期间,你的所有消费是要受到限制的,还要受到银行的监督,甚至是警~察的监督,这让过惯了舒适生活的人,如何能接受？ The old person, likes this actually. Once went bankrupt, their people even rather enter the prison, has to eat to drink also very well, the total ratio starves to death in corner. 倒是许多岁数大的人,喜欢这样。一旦破产了,他们有的人甚至宁愿进监狱,有吃有喝也挺好,总比饿死在街角强。 Normal, you loan, bank and other financial institutions must certainly evaluate your repayment capability, confirmed that you can certainly return this sum of money. 正常来说,你贷款的时候,银行等金融机构肯定要评估你的还款能力,确认你一定能还上这笔钱。 You either have the stable income, either has the fixed property mortgage, or has the guarantor wait / etc.. 你要么有稳定的收入,要么有固定的资产抵押,或者是有担保人等等。 But these in the US, aim at the loan on favorable terms. Regarding the secondary loan, these conditions can relax. 可是这些在米国,都是针对优惠贷款的。对于次级贷款来说,这些条件都可以放宽。 So long as you can prove one have income, basically can loan. The guarantors verify , is not very rigorous, even many guarantors do not have the occupation, they looked for a casual laborer on the line. Mortgage loan, the pawn is unworthy radically that price, there is Company to dare to loan. 只要你能证明自己有收入,基本上就能贷款。担保人审核,也根本不够严谨,甚至许多担保人都没有职业,他们找一个短工就行了。还有抵押贷款,抵押物根本就不值那个价,也有企业敢于放款。 This inside many people have with the China person same idea, that is worried unable to return money, they are youngster, does not want to go to be imprisoned, outside world is much good. 这里面很多人也有跟华夏人一样的想法,那就是担心还不上钱,他们还是年轻人,不想进去坐牢,外面的世界多好啊。 The root is George Bush, after he comes to power, started ethnic minorities to buy homes the plan. He wants in his term of office, completes at least 5.5 million ethnic minorities families to buy homes. 根源就是小布十,他上台之后,启动了一项少数族裔购房计划。他想要在自己的任期内,完成至少5500000少数族裔家庭购房。 He said promotes to buy homes, is lets the US security an important attribute. 他说促进购房,是让米国安全的一个重要因素。 The education level that but ethnic minorities' families, itself receive was low, is hard to find the income stable good work, did they purchase homes? 可是少数族裔的家庭,本身就受到的教育程度低,难以找到收入稳定的好工作,他们怎么买房子？ At this time, needed sub-prime loan plan. 这时候,就需要次贷这个方案了。 The interest that the secondary loan, must pay, itself loan few compared with the preferential level high 2% to 3%, in brief your credit is worse, the interest is higher. 次级贷款,所要支付的利息,本身就要比优惠级贷款最少高2到3,总之你的信用度越差,利息就越高。 Said this, everybody whether feelings, that was this secondary loan, weeded out the wool from the thin chimera radically, you were thinner, then weeded out were more. 说道这,大家是否有一种感觉,那就是这个次级贷款,根本就是从瘦羊身上薅羊毛,你越瘦,那么被薅的就越多。 They received lowly, similarly the loans interest is higher, their repayments pressure is bigger, this has left serious hidden troubles. 本来他们收入就低,同样贷款利息更高,他们还款压力更大,这就埋下了一个严重的隐患。 That is these people, may unable to return the loan very much, as the matter stands, bank will have the loss, presents the bad debt and bad account. 那就是这些人,很有可能还不上贷款,这样一来,银行就会出现亏损,出现呆账、坏账。 But bank loses money, relates with two group what? 可是银行亏损,跟两房集团什么关系呢？ Two groups, are promote to buy homes the plan the important component, they from the bank purchase mortgage loan, then make money. 两房集团,就是促进购房计划的重要组成部分,他们从银行购买抵押贷款,然后赚钱。 What meaning? Is bank borrowed 1 million, can collect 1 million capital and 1 million interest, but sold to two groups, only sells 1.5 million. 什么意思呢？就是银行本来借出去1000000,可以收回来1000000本金和1000000的利息,但是卖给两房集团,就只卖1500000。 Such bank had many turnovers of capital, can lend the person who these purchase homes, but two groups, then also earned an interest, everybody sees this point time, whether thinks somewhat familiar? 这样银行有了更多的资金周转,可以借给那些买房子的人,而两房集团,则也赚取了一笔利息,大家看到这一点的时候,是否又觉得有些熟悉？ Many financial Corporation lend individual, is actually one type high ~ advantage ~ loan. What to do can't they take back bring in money? Sold out the memorandum receipt, sold to these to receive ~ account Corporation. 许多财务公司借钱给个人,其实就是一种高~利~贷。他们收不回来钱怎么办？将借条卖掉,卖给那些收~账公司。 1 million memorandum receipts, the repayments 2 million, they sold to receive ~ account Corporation 1.3 million, receive ~ account Corporation found the way to receive 1.5 million to gain. Their some profits, receive ~ account Corporation has some profits similarly. 1000000的借条,还款2000000,他们卖给收~账公司1300000,收~账公司想办法收回来1500000就赚了。他们有一些利润,收~账公司同样有一些利润。 Two groups, to put it bluntly receive ~ an account Corporation such role, but in country ~ under tacitly consenting to of meeting, turned into bond and other financial products to distribute the account. 两房集团,说白了就是收~账公司这么一个角色,不过是在国~会的默许下,将账目变成债券等金融产品发行出去了而已。 Two groups, start also truly earned the big profit, said their chief executive officers, every year income over 15 million US dollars, in world 500 strong Company CEO, only has the small number of people able side by side. 两房集团,开始的时候也确实赚取了大笔的利润,就说他们的首席执行官,每年的收入都超过15000000美元,世界500强的企业eo中,也仅有少数人能够比肩。 Does money that which two Corporation come buy the bank mortgage loan? One is to put up shares the listing, another is to issue own fund, bond. 两房公司哪儿来的钱买银行的抵押贷款呢？一个是募股上市,另外一个就是发行自己的基金、债券等。 The previous generation China national capital has bought the bonds of many two group, finally the blood has owed a big pen, paid for the crisis of US. 前世华夏国资就是买了不少两房集团的债券,结果血亏了一大笔,为米国的危机买单了。 However this, the China national capital early has sold out two bonds, the stock of real estate industry, obeyed the suggestion of Feng Yu to sell out completely, this mistake, can only make American pay! 不过这一世嘛,华夏国资早已经卖掉了两房的债券,就连房地产行业的股票,也全部听从冯宇的建议卖掉了,这个错误,只能让米国人自己买单了！ ......( To be continued.) ……(未完待续。)
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