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这些东西,全部触及了ZF底线。
绝大多数人,可能觉得深房理只是个炒房集团。
教人炒个房、帮人落个户、帮投资客融个资、解决个购房资格、找到个代持名额、一帮人控个盘,哄抬一下房价……
最严重的,无非就是撮合下经营贷,伪造个贷款资料。
事实上,打开深房理的业务结构,你会发现——
它远比我们想象的恐怖。
2020年8月25日,深圳建市40周年之际,深房理针对会员上线了一个小程序。
这个小程序,主要有三大核心功能:
第一,帕累托值版块。
有钱的会员,可以把闲钱放在这个板块,吃吃利息。
没钱的会员,可以在这个板块高息借贷,借钱买房。
集资放贷,是要牌照的。
深房理的这个平台,说白了,就特么是个集资放贷的非法平台。
第二,产品大厅版块。
会员可以在这个版块,挂卖名下房产。
房产挂牌买卖,也是要牌照的。
而深房理这个平台,说白了,还特么兼顾了中介交易的功能。
第三,股份大厅。
这个版块的操作,尤为风骚。
举个例子——
咱们没钱,但也想炒房,不如干脆合伙。
一套1000万的房产,被一帮人,切割成若干股份。
你有购房资格,你占5%;你有50万,你占10%;你从银行搞出来100万经营贷,你最牛批,你占20%……
房价涨了,有股东想要退出,也有股东不愿退出。
没关系,咱们会员之间可以在深房理的股份大厅里,相互转让股份。
这就相当于——
一个野生平台,把不动产以民间的形式,切割成不同的股份;然后将股份卖出,让没有资质和资金不多的人也参与到房产领域;会员之间,还可以相互交易股份。
深房理的活动现场,直接就有大姐举着牌子,挨桌招股——
这是什么?
这相当于——
深房理以非法的方式,搭建了一个野生房产证券化交易大厅。
官方不敢玩的房产证券化,被野生平台玩了个淋漓尽致。
不得不说,深房理是真牛批,深圳人民是真厉害!![\"[很赞]\" \"[很赞]\"](\"//assets.imedao.com/ugc/images/face/emoji_35_like.png?v=1\")
![\"[很赞]\" \"[很赞]\"](\"//assets.imedao.com/ugc/images/face/emoji_35_like.png?v=1\")
![\"[很赞]\" \"[很赞]\"](\"//assets.imedao.com/ugc/images/face/emoji_35_like.png?v=1\")
节选自经济学杂谈
$贵州茅台(SH600519)$ $中国平安(SH601318)$ $东方财富(SZ300059)$
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