1
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什么意思呢
2
00:00:01,700 –> 00:00:05,800
你的房子从交房之前
3
00:00:06,333 –> 00:00:07,766
你的房子
4
00:00:07,933 –> 00:00:10,400
他是房价
5
00:00:10,500 –> 00:00:15,500
不算政策环境的影响之之外的因素
6
00:00:15,500 –> 00:00:16,766
房子是这样子的
7
00:00:17,866 –> 00:00:19,600
就是房子从你交房之后
8
00:00:20,133 –> 00:00:23,133
这个房子是涨涨涨涨涨涨
9
00:00:23,133 –> 00:00:23,933
涨到这里
10
00:00:24,466 –> 00:00:26,200
你的房子房龄
11
00:00:26,533 –> 00:00:27,933
你的房龄就交房之后
12
00:00:27,933 –> 00:00:30,866
你的房龄是5年到10年是顶峰期
13
00:00:31,066 –> 00:00:34,300
然后你的房子就会降降降降降
14
00:00:34,400 –> 00:00:35,200
什么原因
15
00:00:35,366 –> 00:00:37,333
因为你的房屋的户型
16
00:00:37,966 –> 00:00:39,900
你的社区的物业
17
00:00:40,000 –> 00:00:42,466
你的房子从一个很棒的
18
00:00:42,500 –> 00:00:44,533
最后慢慢的随着时代的发展
19
00:00:44,566 –> 00:00:46,300
他会变成老破小
20
00:00:46,300 –> 00:00:47,900
户型也out了
21
00:00:48,100 –> 00:00:49,866
房环境也out了
22
00:00:49,866 –> 00:00:52,900
房龄房房屋的年龄太长了
23
00:00:52,966 –> 00:00:55,166
然后呢甚至这里有裂缝啊
24
00:00:55,166 –> 00:00:56,133
那里去维护啊
25
00:00:56,133 –> 00:00:57,166
这个小区啊
26
00:00:57,266 –> 00:00:58,466
在你们当地啊
27
00:00:58,466 –> 00:01:02,400
他已经没有没有像年轻人
28
00:01:02,400 –> 00:01:06,333
然后所关注的那种新的绿化率呀
29
00:01:06,333 –> 00:01:07,566
容积率呀
30
00:01:07,700 –> 00:01:09,366
环境啊体验啊
31
00:01:09,566 –> 00:01:10,733
基础设施啊
32
00:01:11,100 –> 00:01:12,300
他都会跟不上
33
00:01:12,300 –> 00:01:13,133
告诉我对不对
34
00:01:13,866 –> 00:01:14,766
来同不同意
35
00:01:15,200 –> 00:01:16,300
那到那个阶段的话
36
00:01:16,300 –> 00:01:17,800
你的房子是一定会降的
37
00:01:17,800 –> 00:01:18,700
也就说白了
38
00:01:18,733 –> 00:01:21,400
房子是有生命周期的
39
00:01:21,400 –> 00:01:25,333
就是房龄随着房屋的时间
40
00:01:25,366 –> 00:01:26,200
他会往上走
41
00:01:26,200 –> 00:01:27,000
然后再往下走
42
00:01:27,000 –> 00:01:30,100
所以这个世界最智慧的人就是我
43
00:01:30,100 –> 00:01:31,766
只住前5年
44
00:01:31,766 –> 00:01:33,366
前10年体验感最好
45
00:01:33,366 –> 00:01:34,366
到了顶峰期
46
00:01:34,366 –> 00:01:37,566
我就要把房子怎么样置换掉
47
00:01:38,200 –> 00:01:38,866
不是卖掉
48
00:01:38,866 –> 00:01:39,966
是置换掉
49
00:01:40,200 –> 00:01:42,700
就是我在这个最高的顶点上
50
00:01:42,866 –> 00:01:44,133
我把它卖掉
51
00:01:44,200 –> 00:01:45,766
然后用同样的钱
52
00:01:46,166 –> 00:01:48,366
再买一个同样的环境
53
00:01:48,600 –> 00:01:50,100
比这个环境更好
54
00:01:50,100 –> 00:01:51,500
比这个面积更大
55
00:01:51,566 –> 00:01:52,966
比这个绿化更好
56
00:01:52,966 –> 00:01:55,266
比这个配套更好的房子
57
00:01:55,333 –> 00:01:57,500
同时我面积也大了
58
00:01:57,500 –> 00:01:58,366
环境也好了
59
00:01:58,366 –> 00:01:59,533
居住体验感也好了
60
00:01:59,533 –> 00:02:00,600
我卖掉之后
61
00:02:00,700 –> 00:02:03,866
反而我手里还剩了一笔现金
62
00:02:04,066 –> 00:02:06,666
你们觉得有没有道理来这个听
63
00:02:06,666 –> 00:02:07,566
懂的请举手
64
00:02:08,100 –> 00:02:10,400
哎你们认不认同我讲的理念来
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认不认同来
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因此
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00:02:13,566 –> 00:02:17,766
我们要明白这个世界正在发生什么
68
00:02:17,766 –> 00:02:20,133
就是来跟我说
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00:02:20,133 –> 00:02:21,166
我的房子
70
00:02:22,333 –> 00:02:23,866
其实不是我的房子
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00:02:26,366 –> 00:02:27,800
就你的房子
72
00:02:27,800 –> 00:02:30,700
凡是贷款的房子都不是你的房子
73
00:02:30,700 –> 00:02:34,066
这个房子你首付30%
74
00:02:34,200 –> 00:02:37,800
你是不是从银行贷款了70%或60%
75
00:02:38,266 –> 00:02:39,300
本质上来讲
76
00:02:39,300 –> 00:02:40,966
各位本质上来讲
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00:02:41,066 –> 00:02:46,366
你的房子的所有权的 7/10或6/10
78
00:02:46,366 –> 00:02:47,166
是银行的
79
00:02:47,166 –> 00:02:48,566
你只有3/10
80
00:02:48,566 –> 00:02:51,866
你要通过30年的给银行的打工
81
00:02:52,300 –> 00:02:54,933
才能把那个所有钱拿过来
82
00:02:54,933 –> 00:02:55,600
告诉我对不对
83
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对
84
00:02:56,866 –> 00:02:57,966
来同意的请举手
85
00:02:58,733 –> 00:02:59,966
到此明了
86
00:03:00,966 –> 00:03:02,733
市场的房子不是不好卖吗
87
00:03:03,100 –> 00:03:03,400
来告诉
88
00:03:03,400 –> 00:03:04,200
是不是不好卖
89
00:03:05,366 –> 00:03:06,133
送你一句话
90
00:03:06,133 –> 00:03:06,766
来跟我说
91
00:03:06,766 –> 00:03:07,700
卖给银行
92
00:03:09,100 –> 00:03:10,100
卖给银行
93
00:03:10,500 –> 00:03:11,300
卖给银行
94
00:03:12,400 –> 00:03:13,400
给你讲完了
95
00:03:14,100 –> 00:03:14,900
还欠钱呢
96
00:03:14,900 –> 00:03:17,100
卖给银行哈哈哈
97
00:03:17,100 –> 00:03:18,366
那怎么会欠钱呢
98
00:03:18,600 –> 00:03:19,900
也就说白了
99
00:03:20,266 –> 00:03:21,366
也就说白了
100
00:03:21,500 –> 00:03:26,066
我的房子在市场上 600万都卖不到
101
00:03:26,200 –> 00:03:27,866
当我买的时候是1,200万
102
00:03:27,866 –> 00:03:30,866
我就把他再用1,200万的房子方式
103
00:03:31,066 –> 00:03:32,400
卖给银行
104
00:03:32,700 –> 00:03:34,366
我的那个钱就能拿回来
105
00:03:34,366 –> 00:03:35,866
1,200万就能拿回来
106
00:03:35,966 –> 00:03:36,800
就这么卖
107
00:03:36,966 –> 00:03:37,800
听懂了吗
108
00:03:38,000 –> 00:03:39,666
来具体操作想不想知道
109
00:03:40,733 –> 00:03:42,166
想写上金融核爆
110
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对核爆
111
00:03:45,500 –> 00:03:47,066
教你核爆
112
00:03:47,066 –> 00:03:48,500
100%教你如果做不到
113
00:03:48,500 –> 00:03:50,366
把脑袋拧下来给你当球踢
114
00:03:50,600 –> 00:03:51,566
在这里不能讲
115
00:03:51,566 –> 00:03:52,366
因为
116
00:03:52,966 –> 00:03:55,933
因为讲了会出事的商业秘密
117
00:03:55,933 –> 00:03:57,900
万一在里面做个银行的行长呢
118
00:03:57,900 –> 00:03:59,000
下节不得搞死我
119
00:03:59,000 –> 00:04:00,800
你这不教我们坑银行吗
120
00:04:01,466 –> 00:04:04,300
不行啊也不是坑银行
121
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就这么个情况
122
00:04:05,366 –> 00:04:06,800
我已经教完你们了
123
00:04:06,800 –> 00:04:07,500
再有一点
124
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各位
125
00:04:08,900 –> 00:04:09,733
再有一点
126
00:04:10,500 –> 00:04:12,400
就是你的房子呢
127
00:04:12,400 –> 00:04:13,566
你们不懂得
128
00:04:15,300 –> 00:04:17,066
就是你卖房子的目的是啥
129
00:04:17,200 –> 00:04:18,766
如果你现在不缺钱
130
00:04:19,066 –> 00:04:20,966
你不缺钱不影响你公司经营
131
00:04:20,966 –> 00:04:22,300
你这房子不用卖的
132
00:04:22,866 –> 00:04:24,100
还是那句话你没卖
133
00:04:24,100 –> 00:04:24,866
你就没亏
134
00:04:24,866 –> 00:04:25,800
各位听懂了没
135
00:04:26,300 –> 00:04:29,500
好那你已经极其不看好这个地方了
136
00:04:29,500 –> 00:04:31,600
就是这个地方的房子将来会鹤岗话
137
00:04:31,600 –> 00:04:32,400
绝对不会涨价
138
00:04:32,400 –> 00:04:33,333
绝对不会涨价
139
00:04:33,400 –> 00:04:34,333
那你要布局
140
00:04:34,333 –> 00:04:36,000
把它怎么样卖掉
141
00:04:36,300 –> 00:04:39,666
对然后那你记住
142
00:04:41,133 –> 00:04:42,200
你卖房子
143
00:04:42,866 –> 00:04:47,166
是不是把你房屋的所有权给了别人
144
00:04:47,366 –> 00:04:48,500
换回了现金
145
00:04:48,966 –> 00:04:51,500
是不是这个道理来
146
00:04:51,866 –> 00:04:54,533
钱有所有权和使用权
147
00:04:55,000 –> 00:04:57,300
房子有所有权和使用权
148
00:04:57,300 –> 00:04:58,533
所有权买
149
00:04:59,266 –> 00:05:00,600
然后使用权租
150
00:05:01,133 –> 00:05:02,333
有没有人租房子来
151
00:05:02,333 –> 00:05:03,133
告诉我有没有
152
00:05:03,700 –> 00:05:04,566
所以你就不懂得
153
00:05:04,566 –> 00:05:08,466
这个世界的化工大法就挺可怕
154
00:05:08,800 –> 00:05:09,900
就啥意思呢
155
00:05:10,066 –> 00:05:14,100
你能不能把这个房子
156
00:05:14,966 –> 00:05:18,066
当作一个金融的载体
157
00:05:18,933 –> 00:05:20,133
你想要钱
158
00:05:20,266 –> 00:05:21,300
既然卖不掉
159
00:05:21,566 –> 00:05:23,666
那我就想办法找银行
160
00:05:23,733 –> 00:05:26,533
用最牛逼的方法把他带出来
161
00:05:26,600 –> 00:05:27,900
我就有钱了呀
162
00:05:28,066 –> 00:05:28,966
就啥意思啊
163
00:05:29,166 –> 00:05:32,100
他名下的一套房子1,000万买的
164
00:05:32,100 –> 00:05:33,400
现在600万都卖不掉
165
00:05:33,966 –> 00:05:35,000
600万都卖不掉
166
00:05:35,800 –> 00:05:37,466
你的房子是1,000万买的
167
00:05:38,200 –> 00:05:39,600
我教你一套模型
168
00:05:39,966 –> 00:05:41,600
你的房子卖600万卖不掉
169
00:05:41,600 –> 00:05:42,933
我教你从银行贷款
170
00:05:42,933 –> 00:05:44,200
能贷出来1,200万
171
00:05:44,266 –> 00:05:45,666
能贷出来1,500万
172
00:05:45,666 –> 00:05:47,566
你把钱贷出来了
173
00:05:47,666 –> 00:05:48,900
你手里有钱
174
00:05:49,500 –> 00:05:50,966
钱是资金
175
00:05:51,200 –> 00:05:52,300
房子是资产
176
00:05:52,300 –> 00:05:53,700
资产是固定资产
177
00:05:53,700 –> 00:05:54,933
固定资产是不动产
178
00:05:54,933 –> 00:05:56,266
不动产是不能变动的
179
00:05:56,266 –> 00:05:57,300
是不能动的
180
00:05:57,333 –> 00:05:58,933
但是资金可以流动
181
00:05:59,066 –> 00:06:00,733
你可以用这个资金做生意
182
00:06:00,733 –> 00:06:01,933
做理财做投资
183
00:06:02,100 –> 00:06:03,533
做更有价值的事情
184
00:06:03,866 –> 00:06:07,466
你把现金拿回来了
185
00:06:07,700 –> 00:06:08,666
不就OK了吗
186
00:06:08,666 –> 00:06:10,466
你卖只能拿600万
187
00:06:10,566 –> 00:06:13,266
然后你贷能拿1,200万
188
00:06:13,266 –> 00:06:14,766
如果你智慧的话
189
00:06:14,766 –> 00:06:17,066
其实你卖不如你贷
190
00:06:17,066 –> 00:06:18,266
听懂的请举手
191
00:06:19,266 –> 00:06:20,466
认同的掌声鼓励
192
00:06:24,600 –> 00:06:25,566
因为你卖
193
00:06:25,700 –> 00:06:26,800
你卖不掉
194
00:06:26,900 –> 00:06:27,866
但是你贷
195
00:06:27,866 –> 00:06:29,166
你能贷出来
196
00:06:29,266 –> 00:06:30,533
告诉我是还是不是
197
00:06:30,700 –> 00:06:31,300
是
198
00:06:31,300 –> 00:06:33,266
就是就老师
199
00:06:33,266 –> 00:06:34,900
我那个房没没房产证
200
00:06:36,566 –> 00:06:37,066
哎呀妈
201
00:06:37,066 –> 00:06:38,200
那没法教你了
202
00:06:38,966 –> 00:06:40,333
你连证都没有啊
203
00:06:40,533 –> 00:06:41,333
啊
204
00:06:42,466 –> 00:06:45,200
上次一个老你没房产证
205
00:06:45,766 –> 00:06:46,966
这没房产证也行
206
00:06:46,966 –> 00:06:47,766
也没有房
207
00:06:47,800 –> 00:06:48,966
上次一个老板更牛逼
208
00:06:48,966 –> 00:06:50,866
老师你不是教我无中生有吗
209
00:06:50,866 –> 00:06:51,766
我说对老师
210
00:06:51,766 –> 00:06:52,533
我没有房子
211
00:06:52,533 –> 00:06:53,900
你能不能教我卖房子
212
00:06:54,533 –> 00:06:55,800
我说我得先买一套房子给你
213
00:06:55,800 –> 00:06:57,400
你再卖呗他说哎
214
00:06:57,466 –> 00:06:58,566
买老一套的房子
215
00:06:58,566 –> 00:06:59,600
咋卖哈哈哈
216
00:06:59,600 –> 00:07:00,133
他说老师
217
00:07:00,133 –> 00:07:00,866
我没有房子
218
00:07:00,866 –> 00:07:02,166
你能不能教我没有房子
219
00:07:02,166 –> 00:07:03,966
先有房子再如何卖房子
220
00:07:04,966 –> 00:07:05,966
哇这这这
221
00:07:05,966 –> 00:07:08,000
太厉害了啊
222
00:07:08,566 –> 00:07:09,366
来
223
00:07:10,266 –> 00:07:12,666
你怎么听兴奋了啊
224
00:07:12,866 –> 00:07:13,666
咋了
225
00:07:14,100 –> 00:07:15,400
啊怎么了啥事
226
00:07:23,066 –> 00:07:27,133
对啊对啊对啊
227
00:07:27,300 –> 00:07:29,466
所以这就是陈老师存在的价值啊
228
00:07:29,466 –> 00:07:30,766
荷包就解决了呀
229
00:07:32,466 –> 00:07:33,266
懂了吗
230
00:07:34,000 –> 00:07:37,266
你你不愿意付出那29,900的代价
231
00:07:37,266 –> 00:07:39,666
你就代不到那1,200万
232
00:07:39,666 –> 00:07:40,566
就这么简单
233
00:07:40,800 –> 00:07:43,333
好了后边的事不不讨论了不不不
234
00:07:49,500 –> 00:07:50,866
就是有些老板呢
235
00:07:50,866 –> 00:07:52,266
活在自己的世界里
236
00:07:52,300 –> 00:07:53,100
没法讲
237
00:07:54,200 –> 00:07:55,933
假设你房子不要了呢
238
00:07:58,100 –> 00:08:00,133
就是就是
239
00:08:00,133 –> 00:08:00,966
我有些事情吧
240
00:08:00,966 –> 00:08:03,200
没法教你们就太可怕了
241
00:08:03,966 –> 00:08:04,766
第一个
242
00:08:06,500 –> 00:08:07,200
那不教了
243
00:08:07,200 –> 00:08:09,266
不说了太痛苦了
244
00:08:14,300 –> 00:08:16,133
来拍拍旁边的肩膀来跟说
245
00:08:16,133 –> 00:08:21,666
你们跟陈老师没活在一个世界
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你现在需要思考的模型是
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如何把你一个600万都卖不出去的房
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怎样把它贷出来
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1,000万贷完之后
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我告诉银行花了
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钱没了你凭什么能贷出来那1,200万
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首先有模型操作
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在银行的
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在银行那里
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你这个房子值这个价大于这个价
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如果不大于这个价
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人家凭什么贷给你这个钱
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好了当你把钱带过来之后
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你要给银行还贷款的
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但是过一段时间告诉他
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我还不上了
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我没了你把房子收走吧
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这就叫卖给银行了
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还用让我说这么费劲
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老师那我
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不就失信了吗
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你失信个毛线
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你把房子抵押的给他
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我有抵押物
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我抵押的东西我钱给不了了
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我抵押的东西给你了
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所以解除抵押
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你把我的房子没收了
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怎么会影响你信用
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什么乱七八糟的
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别蛋了把蛋咽下去吧
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自己慢慢研究吧啊
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不能讲了
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再讲把你们
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你们活在平面的世界里
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陈老师活在立体的世界里
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你们太需要跟我学习了
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来听懂的请举手
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你们做不到的
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你们做不到的
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你们已经
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哎呦太牛逼了
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你在市场上就是600万
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你到银行一评估