Shenhao starts from the lottery of 1 million

After the Spring Festival, people who had gone through all the trouble to return to their hometowns to celebrate the New Year began to go out to work again, and their lives gradually returned to normal.

But people who have already bought a house are beginning to find that housing prices have plummeted and will never recover.

Cutoffs in supply, discounts and promotions, and real estate agencies running away, began to fill the newspapers.

House prices in Guanhai have not dropped much, especially for large luxury homes. Some have even continued to rise, but there are still a few where the price reduction has been very high.

The hardest-hit area is housing prices outside the customs. After the New Year, housing prices generally fall by more than 30%, and some fall by more than 50% or even 60%.

For example, the average opening price of the second phase of Dongfang Shengshi in Longcheng District was 15,000 yuan per square meter, with a maximum of 20,000 yuan per square meter. The final average price was promoted with a nine-character prefix.

There is a Ms. Liu who bought a 117-square-meter house for more than 20 million yuan, with a down payment of 9000 yuan. Her income is considered high, so she chose to repay the loan in years, with a monthly repayment of about yuan. .

But the house that was worth 230 million yuan is now only worth more than 160 million yuan, and her total loan amount is as high as more than 90 million yuan, so the bank called her and told her that she had to pay yuan back because her house price was no longer worth a million yuan. One million six hundred thousand yuan.

According to her current house price valuation of more than 100 million yuan, she can only borrow 70 yuan, and she has already borrowed more than 160 million yuan, so she has to pay 90 yuan back.

If she does not pay the amount back, the bank will force her house to be auctioned off. The auctioned house will offset the loan, but she still has to pay back the shortfall.

According to the Southern Metropolis Daily, on June 2008, 6, a bank in Shenzhen revealed to the media that there was an owner of Taihua Building in Baocheng who had officially cut off the supply in January 25. The owner sold the property at a unit price of 2008 yuan during the peak period in 1. / square meter, I purchased a second-hand house in the building, which later fell by more than 2007%. This was the first case of suspension of supply disclosed by the Shenzhen banking industry in 8000.

But at the end of July, it was suddenly revealed that 7 owners of Bishui Longting in Shenzhen Town announced a collective cessation of supply. This was the first collective severance of supply in Shenzhen in 68.

However, it was this incident that caused the supply cut-off incidents to reach a peak. In early July 2008, a blog post titled "The crisis of sub-prime mortgage loans that have exceeded 7 billion yuan has been cut off has emerged" was widely circulated on the Internet. The blogger stated in the article that the housing loans in the Shekou area handled by the Shekou branch of a certain bank, At present, there are more than 1000 cases that have not been repaid for more than three months, and the total loan amount has exceeded 15 billion yuan.

Based on the bank's total loan volume and the proportion of loans in the Shekou area in 2007, it is estimated that the bad debts incurred by the bank in personal housing loans alone reached 200 billion yuan that year.

And it can be deduced from this: the bad debts incurred by one bank amount to 200 billion yuan, and with so many banks in Shenzhen, the most conservative estimate of bad debts is over billion yuan.

With so much money, Yi Anguo wanted to help, but he couldn't come up with so much money!

It will be almost March when normal work resumes after the new year. According to calculations, a large number of people are already ready to choose to cut off their mortgage payments by this time.

The reason is that after entering March, housing prices fell too sharply. Compared with February, the average transaction price of new homes in Shenzhen City in February remained at more than 16000 yuan per square meter.

But starting from March to May, the average transaction price of new homes has dropped to about 11000 yuan per square meter.

This is just the average price in the city, including many luxury homes and customs housing prices, which have basically not fallen much.

Outside the customs, on May 5, China Overseas Loans City directly hit the lowest price of 15 yuan per square meter.

The housing prices of many residential properties have not been cut in half, but have been cut by two-thirds, falling by more than 60%, and some have even reached 70%.

Faced with such a situation, even the bank was at a loss what to do. They kept asking for money but couldn't get it, and they even took over the house by force and couldn't sell it.

Even if you sell the house at a low price, it still won't be enough to make up for the bank's bad debt losses.

Yi'an Guo-owned couldn't stand it anymore. It was understandable that the bank would take back the mortgage, but after taking back the home buyer's property, the buyer would have to bear the debt for the shortfall in auction proceeds. This was a bit unreasonable.

This risk cannot only be borne by the home buyer, the bank should also bear part of the responsibility. After all, the bank recognized the value of the property when the mortgage was made.

Banks and pawnshops in the past are actually the same thing. Even in the past, if you mortgaged your things to the pawnshop and had no money to redeem them, the worst I could do was to give them up. It makes no sense, so I would have to give the money to the pawnshop!

But he also knows that he is powerless to change all this, but he still hopes to do his part to help those disadvantaged groups.

On March 2008, 3, Huaxing Company’s integrated circuit board chip production line was announced to be officially mass-produced.

The first thing produced is the smart chip independently developed and used in the company's mobile phones.

On May 2008, 5, Huaxing first-generation smartphones officially held a product launch conference. At the product launch conference, the various performance, appearance, operating system interface, various data, etc. of Huaxing smartphones were shown to everyone.

In addition to being sold in offline mobile phone stores, it is also available online for the first time. In addition to Huaxing's official website, Anjing Online Supermarket is also selling it simultaneously.

The price is unified online and offline, with the standard price being 3999 yuan.

It was announced at the press conference that the first Huaxing smartphone will be sold online at 5:20 on May , on Huaxing’s official website and Anjing online supermarket.

In addition, from now on, online booking service is accepted.

The first generation of Apple mobile phone was launched in 2007, with a domestic price of 4999 yuan and sales of 139 million units.

Its price in the United States and European countries is only US$499, which is about more than 3400 yuan in RM coins. It is obvious that it is playing a double standard.

On July 2008, 7, Apple's 11G mobile phone will be launched in China. The price in the United States has dropped to US$3, which is about more than RM 399. However, the domestic price is still as high as 2700 yuan. The double standard is even more obvious.

However, domestic sales of Apple mobile phones in 2008 reached more than 1100 million units.

Huaxing smartphones planned to enter the high-end market from the beginning, and compared with Apple mobile phones, they used self-developed chips and self-developed smartphone operating systems.

The reason why we rush to launch it on May 5 is to seize the opportunity before Apple mobile phones are launched.

How Yi Anguo hopes that because of his rebirth, some disasters can disappear!

However, on May 2008, 5, another major event occurred. A strong earthquake of magnitude 12 occurred in western Sichuan.

Although Yi Anguo was a reborn person, he could not avoid this incident from happening. He could not even inform the people in the disaster area in advance.

Because no one would believe him, and he might even be suspected of committing a crime by spreading rumors and causing social panic. He would be arrested by the police and brought to justice, and he would enjoy the food in prison.

However, Yi Anguo still made some efforts, because as early as a year ago, he instructed Anjing Online Supermarket to establish a logistics center in Chengdu City in western Sichuan and built many warehouses, more than any other place. .

At that time, the general manager of the company's logistics department also asked, why do we need to rent so many warehouses? There are so many commodities and supplies in stock, some of which are not even sold online, such as large tents for disaster relief.

In particular, various supplies such as drinking water, instant noodles, clothes and quilts to keep out the cold are stored in several warehouses.

Yi Anguo did not answer the other party's question, but just asked him to do it very seriously.

After the earthquake, Yi Anguo instructed the logistics personnel of the Chengdu branch to quickly open the warehouse and transport all the materials needed for disaster relief to the disaster area free of charge and donate them to the people in the disaster area.

At this time, the people in the Chengdu Branch Logistics Center seemed to realize something.

But what puzzled them was why the chairman had prepared it so long in advance. Could it be that he was still right about this earthquake.

On May 5, at CCTV’s earthquake disaster party, Huaxing Technology Group announced that it would donate 14 million yuan to the earthquake-stricken areas in western Sichuan, Jingjing Trading Company (Jingjing Convenience Store) announced a donation of 300 million yuan to the disaster-stricken areas, and Anguo Property Company announced a donation to the disaster-stricken areas. 100 million yuan.

Guohui Fresh Supermarket announced a donation of 200 million yuan to the disaster area, Huafeng Group announced a donation of 30 million yuan, and Sichuan-Chongqing Restaurant announced a donation of yuan to the disaster area.

In addition, Hong Kong Island Hualong Investment announced a donation of HKD 500, and Anguo Rosewood Furniture announced a donation of NT$100 million to the disaster area.

Finally, Jingjing Online Supermarket announced a donation of 5 million yuan to the disaster area and another 10 million yuan worth of earthquake relief materials.

Yi Anguo even donated 1 million yuan in his personal capacity, and later donated 100 million US dollars anonymously.