I am a super cop

Chapter 1317
Inside a detached villa.

Hearing what Zou Qiang said, everyone was at a loss.

I feel like this guy is talking a bit.

But according to normal logic, those who died in the villa must also be the family members of the villa owner.

Before Gu Chen and Lu Weiwei could open their mouths, Xu Fangzhi couldn't wait to ask: "So, is it 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?"

"It's a small developer, and it's also the creditor of the owner of the house." Zou Qiang took everyone to the roof of the villa's top floor, then leaned on the guardrail, pointed to a piece of unfinished buildings not far away and said, "See the unfinished buildings over there." Is it upstairs?"

"I see, what do you want to say to me?" Xu Fangzhi walked to the guardrail, also overlooking the unfinished building.

The unfinished building is located opposite the Blue Mountain villa area. All the floor frames have been built, but they are abandoned there.

After thinking for a while, Gu Chen said curiously: "I know these unfinished buildings. They were unfinished here a few years ago. Many victims of pre-orders were trapped here."

"That's right, in the final analysis, there is no money to continue." Zou Qiang turned around and explained the reason for the situation to everyone.

"Originally the owner of our house was also one of the developers of that real estate."

"Later, they owed more and more debts, but the project funds on the opposite side were a bottomless pit, and the owner of this villa could no longer afford the high debt."

"One day, a developer who was in debt came here and argued with the owner of this house."

"Let him no matter what, even if he sells this villa, he must get back the money owed by everyone."

"Then what happened later? Did the owner of this villa not agree?" Lu Weiwei asked.

"Just as you expected." Zou Qiang walked back and forth on the roof twice with his hands behind his back, and then said again: "It's not a problem of repayment, it's that the debt is too much, even if we sell this villa If you drop it, it won’t fill the hole.”

"The debt dispute in the unfinished building is very complicated. If you give the creditor money, what will the other creditors do?"

"So the owner of this villa has been hiding all the time, and has not paid back his debts."

"But the small developer still found out that day, so he blocked him at home and insisted that he pay back the money."

Gu Chen nodded silently, feeling that the current real estate industry is still so chaotic?

Although he knew that he wanted to develop a real estate, a developer simply didn't have that strength, unless it was a large enterprise.

However, many projects of large companies are also subcontracted to other small developers who advance funds, and various debt disputes will be very complicated.

Especially the bigger the real estate, the more debt disputes.

"So... the small developer died, right?" Gu Chen probably guessed something based on the bearded Zou Qiang's tone.

Zou Qiang nodded silently, and also sighed: "Also here, on the rooftop, a small developer had a dispute with the owner of the house, and the two even fought violently."

"Later, the small developer accidentally slipped from the roof and fell downstairs, and died on the spot."

"So this villa has become a haunted house."

"Wait a minute." Hearing Zou Qiang's words, Gu Chen couldn't believe it. He patted the guardrail and explained, "I think the guardrail is quite high. A person of my height may not be able to climb over the guardrail casually. Could it be that the deceased's height 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 made a gesture with her hand on the spot after hearing the words: "I am 168 meters tall, and it is difficult to fall down from here. How could the deceased fall down by himself?"

"Then I don't know. I heard from the security guard that the owner of the villa called them over."

"At that time, the small developer was on the first floor. It may be because the two of them wrestled too much and fell down accidentally. This is entirely possible."

Zou Qiang seemed to know a little bit about these things. Since Xu Fangzhi wanted to know clearly when the meeting was broadcast live, Zou Qiang had no choice but to tell him the situation.

Lu Weiwei looked curious, and continued to ask: "But, I really want to know how to deal with this matter afterward?"

"What else can I do? Spend money to eliminate disasters, otherwise what do you think you're doing selling the villa?"

Zou Qiang explained with a calm expression on his face.

Xu Fangzhi nodded silently: "I probably figured it out. The co-authorship is because of the private relationship with the developer's family, so the owner of the house decided to sell the villa to raise cash?"

"That's what it means." Looking at the unfinished building in front of him, Zou Qiang couldn't help but said with emotion:
"Actually, I feel that the framework of this unfinished building has already been built. Some developers are invited to take over and continue to work on it. The water and electricity supply can be handed over directly. But why has it been unfinished for so many years?"

"Because I'm waiting for the house price to rise." Seeing that Zou Qiang didn't understand the reason, Gu Chen who was on the side pointed it out.

Zou Qiang was stunned, a little confused, so he continued to ask Gu Chen: "What do you mean?"

"It seems that you haven't really figured out why the unfinished buildings are unfinished."

With his hands behind his back, Gu Chen was also facing the huge cluster of unfinished buildings, and couldn't help saying with emotion:
"Actually, the unfinished building that many people think of is just because the developer has no money for the time being, so the final decoration, water supply and electricity supply have not been carried out."

"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 pay some more money, or even pay some money yourself, and then finish the finishing work."

"And then, the house can be sold? Then can you make a lot of money?"

Confused by Gu Chen's soul torture, Xu Fangzhi and Zou Qiang looked at each other, not quite understanding.

Lu Weiwei asked modestly: "Then you mean that the root of the problem is not here?"

"Of course it's not there anymore." Gu Chen smiled faintly, found a seat on the roof and sat down first, and also looked at the unfinished building and said:

"The reason why many people who eat melons think so is because they have never been in contact with engineering, and they don't know the complexity of unfinished buildings."

"Think about it, if it's really what you think it is, how can it be an unfinished building?"

"Wherever you go to any bank, they will give you the money. Who can afford this little money?"

"But, if this is the case, then maybe the bank didn't lend money to the developer?" Xu Fangzhi asked weakly.

"Does it need to be said?" Gu Chen grinned and continued to explain: "The bank is not stupid and will not be fooled."

"But in fact, if a house can become a bad house, it must be followed by a lot of bad debts."

"Some buildings have even been renovated, water and electricity have been connected, and even a few hundred thousand can be completely finished, but they are still unfinished buildings."

"Because at this time, the construction party will block the construction site and prohibit everyone from doing the final finishing work."

"Ah?" Hearing what Gu Chen said, Lu Weiwei was a little confused: "So...the reason why the unfinished building is unfinished, in fact, is the main reason here? Is it because the construction party stopped the construction?"

"Almost." Gu Chen nodded, confirming what he said just now.

But Xu Fangzhi and Zou Qiang didn't quite understand.

The two also looked at each other in blank dismay.

Xu Fangzhi asked Gu Chen with a modest attitude: "Then why is this happening? It sounds a bit illogical."

"Because any developer will not allow the capital chain to break." Gu Chen said.

Xu Fangzhi still shook his head: "I still don't understand."

"Well, let me put it another way." Seeing that Xu Fangzhi is quite interested in this aspect, Gu Chen didn't hide it, and told him directly:
"Because any developer will not allow the capital chain to break, and they will do everything possible to procrastinate until the turning point comes."

"If they can think of a way to find money, they will try it, and they will even mortgage everything that can be mortgaged."

"As long as they survive and the project gets done, that's fine."

"Then what if it can't be done?" Zou Qiang asked.

"It can't be done? If it can't be done, it will be dead anyway." Gu Chen shook his head with a smile, and said involuntarily:

"This involves a problem of capital operation. Therefore, a major feature of unfinished buildings is that they have a lot of debts and the structure of creditor's rights is extremely complicated."

"The same property may even be frozen by the bank more than ten times due to repeated mortgages."

"And there is only one piece of meat, but there are dozens of people who want to eat it."

"If it was you, how do you divide the meat?"

"This..." Hearing what Gu Chen said, Zou Qiang nodded silently, feeling a little reasonable.

Lu Weiwei asked Gu Chen: "So once this is completely completed, it will trigger a house robbery in an instant, right?"

"Yes." Gu Chen agreed, "Because even if there is still a difference of 1 yuan, this real estate will be completely completed, and he will never be able to complete it."

"Because it's not an engineering issue at all, it's a debt issue."

"It seems to be such a reason." Feeling that Gu Chen has done a lot of research on this aspect, Xu Fangzhi suddenly admired Gu Chen a little bit.

But looking at the unfinished building over there, 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 sleep test in a haunted house. The boss can't lose a penny of the money that should be given. If the house can be sold during the live broadcast, I can't take a penny of the commission that should be taken."

"Hehe." 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 are no threat to you."

"Huh? How do you say that?" Although Gu Chen felt young, judging from his conversation just now, Zou Qiang with a beard had already seen that there was something in this kid's stomach.

Gu Chen crossed his arms and explained to everyone: "The reason is very simple, because my country's real estate market has been in a big bull market since 98."

"Unilateral rise, occasional pullback."

"So, the vast majority of Chinese people don't have any special feelings for unfinished buildings."

"But in fact, in the past 20 years, there have been as many unfinished buildings in our country."

"And those small developers who died because of indiscriminate use of leverage can fill the rivers and lakes."

"And the core reason for those unfinished buildings, as I said just now, is that developers take money that doesn't belong to them."

"But the money is either generated by loans or pre-sales."

After a pause, Gu Chen glanced at everyone and saw that everyone was concentrating on it, so he said again:
"Actually, it stands to reason that after the unfinished building is produced, the interests of the owners who have already paid for the house will be seriously damaged."

"That's for sure." The bearded 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 lot."

"The money has been paid, but the house has become an unfinished project, and I still don't understand it. As you said just now, the vast majority of Chinese people don't have much feeling for unfinished buildings. Is there any problem? ?”

"That's because the housing prices have been rising for the past 20 years." Gu Chen explained the mystery in one sentence, and said:

"In fact, price increases can solve all contradictions and problems."

Lifting his finger, Gu Chen said again: "Let me make an analogy, assuming that a certain unfinished real estate is worth [-] million yuan."

"Then the developer owes [-] million yuan in debt, and in the middle, there is a [-] million yuan hole that no one is willing to fill. As a result, no one has been able to solve the problem of unfinished buildings."

"Then let me ask you, how to solve this [-] 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 light smile, "That's right or wrong, because as long as the house price goes up, everything is easy to talk about."

"If the house price doubles, the property will be worth [-] million yuan."

"Doubling it again, it will be worth [-] million."

"It used to be a hole of [-] million yuan, but now it's a profit of [-] million yuan."

"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 it's like this? Raising the price can solve all the contradictions?" Hearing Gu Chen's theory, Xu Fangzhi also suddenly realized.

Zou Qiang was also ashamed: "This capital operation is really terrifying."

"Nothing has changed. Once the time changes, all the problems will be solved, and the unfinished building will be able to make money. This... is this a capital game?"

Gu Chen stood up, walked between the two of them and said, "So the owner of this villa, one of the owners of the unfinished building, is also waiting for the opportunity."

"So, in the initial stage, the less debt the developer owes, the easier it is to digest unfinished buildings."

"And if the debt is within two times, a doubling of the market will 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 of solving unfinished buildings without raising prices."

"In fact, domestic real estate has been booming for 20 years."

"So... so, will the real estate in China double in a few years like before? If not, then the owner of this villa is going to be finished?"

Listening to Gu Chen's story, bearded Zou Qiang also seems to understand the relationship.

Gu Chen smiled lightly, and explained to everyone: "If you still think 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 must rise extremely slowly."

"And even in the big real estate bull market, there are small developers who don't know how to live or die and go bankrupt, which leads to the problem of unfinished business."

"So, if house prices lose their rising speed, the problem of unfinished projects 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 already been taken."

"Because the developer got the owner's money, but owed the construction team the money, the bank owed the money, spread his hands and said that he has no money, what can you do to him?"

"Then you'll be an old man." Xu Fangzhi said.

Gu Chen smiled lightly: "Lao Lai is sure, but they will use capital to operate and transfer money."

"So, before this, this kind of debt black hole generally relied on price increases to solve the problem."

"Every one of these unfinished buildings can only be digested by relying on the subsequent doubling of the market."

"And this kind of doubling market will never happen again in the future."

"Without the huge profits brought by doubling the market and filling in the debt pit, this unfinished building is an unsolvable existence."

Looking up at the few people, Gu Chen said again: "It is precisely because of this that we implement the existing housing policy."

"The pre-sale housing system must be gradually canceled, because after the existing home sales are adopted, even if it is unfinished, it is the developer's own debt problem, and it will not trigger large-scale owners' rights protection."

"Yes." Hearing Gu Chen's words, Lu Weiwei also said thoughtfully:

"After all, these homeowners have emptied their savings and carried a lifetime of mortgages to buy the house. Even if it falls a little, they can't bear it, let alone the unfinished business, and the developer running away?"

"Damn!" Zou Qiang seemed very angry, walking back and forth on the rooftop, and then said again: "So as long as unfinished buildings happen, it will definitely not be as easy to deal with as imagined, right?"

Gu Chen nodded silently: "Whoever wins is unlucky. After all, it can only be solved when the market doubles. Others... nothing will work."

"After all, in the past, this problem was not difficult. After a few years, you will get back your money. At most, others will double your money. If you don't make money yourself, you won't lose money."

"However, such good things will never happen again in the future, and unfinished buildings will become a huge problem."

"Understood." Xu Fangzhi breathed a sigh of relief, and said involuntarily: "So in the next few years, try not to buy the pre-sale properties of those small developers who are not strong."

"Yes, if you have to buy it, please also check all the five certificates before buying, 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 you have the ability to bear this risk."

"Because there is a risk of unfinished products in the pre-sale system, this risk was negligible in the past, but the situation is different now."

Just as Gu Chen finished speaking, he heard Zou Qiang, bearded and bearded, sighing.

Gu Chen was puzzled, and asked kindly: "Brother Zou, are you okay?"

……

　Ask for votes, with a sincere face. ╰(‵ ′)╯

　　
　
(End of this chapter)