Rebirth: The Financial Giant

Residential real estate.

This is the largest real estate company in Ningzhou. Its main business is second-hand housing intermediary services. It started in Ningzhou, and now its business has been launched nationwide. It has grown to have more than 300 directly-operated stores.

Not long after the news was released from Ningzhou, the boss of Shangju Real Estate convened a meeting with the company's top management to discuss the matter.

In fact, the second-hand housing intermediary companies that are currently meeting and discussing are not only Shangju Real Estate, but also some real estate intermediary companies outside Ningzhou across the country are holding meetings.

Although cities other than Ningzhou have not introduced similar Z policies, Ningzhou has already made progress, which in a sense represents a trend in the future, and people in the industry should not pay attention to this.

Who knows if this wind will suddenly blow outside Ningzhou City, or even quickly sweep across the country?

...

At this moment, the senior management of Shangju Real Estate is holding a meeting.

One of the managers who attended the meeting complained: "Is the housing price in Ningzhou not low enough? What has happened to other first- and second-tier cities in the past three years? Ningzhou has hardly moved, so we have to go there. Force control to death, this is not a job loss...!"

In other cities of the same level as Ningzhou, when houses are rising, the price of houses in Ningzhou remains unchanged or even rises slowly, which is equivalent to a relative depreciation.

If everyone else goes up, you don't go up, you just go down.

Shangju's boss immediately said: "Now is not the time to complain, as soon as this second-hand housing transaction guide price came out, it has already caused a huge shock in the industry, especially in Ningzhou, which is a new round of major earthquakes in the circle. This matter is related to the future and destiny of the company in the future, and a mechanism that can reasonably deal with it must be discussed."

Another manager said: "Lu Ming's Science and People's Livelihood Foundation has taken over the second-hand housing transaction platform promoted by Ningzhou City, and has also been authorized to access the database of the Housing Administration Bureau. No matter how you look at it, it is for 'disintermediation'. Isn't this the death of our industry?"

Since the announcement of the "opinion report" in Ningzhou City, there have been more and more voices about the second-hand housing intermediary market entering "disintermediation". , the "disintermediation" of second-hand housing transactions has been in full swing.

The reason why this matter caused shocks in the industry and caused heated discussions among the whole people, in addition to being closely related to the housing of the majority of people, there is also a large number of real estate intermediary companies in China.

You know, there are so many real estate agencies today.

It also reflects the huge profits of this industry.

Therefore, many insiders have voiced a "reminder" to Ningzhou to take this matter seriously, or it will lead to large-scale unemployment in the society. Their reason is that real estate agency companies have absorbed a large number of jobs. If this industry is destroyed, What about the future of people in this industry?

Therefore, the so-called elites in the industry are opposed to this matter, which is very threatening, and has a lot of confidence.

At the meeting, an executive sitting next to the boss said in a deep voice: "In other cities, it may not be possible, but Ningzhou is a special case, and the local finance is supported by Lu Ming's Tiansheng Capital. , I think it is very difficult to use this pretext to make Ningzhou compromise, and it is a manifestation of attitude to handle this second-hand housing trading platform to the Science and People's Livelihood Fund to operate."

Everyone in the industry knows Lu Ming's attitude towards the property market, so people in this industry don't like Lu Ming. At the same time, they also know that Lu Ming has no interest in the property market, even if it is negligible. The real estate transaction platform is definitely not biased.

After a while, an executive named Song Yi who attended the meeting said: "The so-called 'disintermediation' remarks that are now clamoring in the outside world, I think it is a bit exaggerated, and it is impossible to disintermediate because of this."

The boss of Shangju immediately looked at him and asked, "How do you say it?"

Song Yi thought for a while, and after organizing the language in his mind, he said in an orderly manner: "Why are the intermediary fees in the industry so high? The key is that houses are low-frequency consumption, and a similar example is glasses. With a low hair index, a few yuan of lenses can buy thousands of yuan, but because the transaction cycle is long and the transaction volume is extremely small, the customer must have a high unit price in order to be profitable. If the order for a pair of glasses is sold for 5,000 yuan, the business The staff commission is 1,500, and the boss earns 3,500. Compared with selling several houses in a month, the cost of the store and the staff cannot even maintain the basic salary."

"This is the most fundamental reason, and this is also due to the nature of the industry. People in the industry know well that they can earn considerable profits by monopolizing subsequent housing listings, creating poor information, and information islands. This is the root cause. Caused, even if the real estate agency is banned, the key is not the buyer, but the seller. If the seller chooses to list the house by himself, and he does not come to the intermediary, then the industry will naturally die out, and there is no need to wait for the Z policy to come down. ."

"But the actual situation is that if the seller is not willing, the selling price will definitely find an intermediary. As a house seller, he must hope that the house will be sold at a high price, and the owner's personal sales ability is definitely not as good as that of an intermediary, such as an ordinary person. There is a sofa that wants to sell salted fish, but no one cares. At this time, I went to him as an intermediary and said that I would sell it for you, but I needed a commission. I believe that few selling prices will be Not willing, it is the buyer who pays the bill anyway.”

Having said this, Song Yi paused for a moment, then continued: "One more thing, everyone knows that the intermediary fee is included in the house price. If the owner has to pay a commission of 15,000 yuan for a house of 1 million, it will definitely make I sold my house for 1.015 million. Anyway, I only need to get 1 million. In addition, the intermediary should be able to negotiate with the buyer privately to negotiate 1.05 million. It is the intermediary's ability. If you give the seller 1 million, you will get 50,000. Of course, you will end up at a loss. The only thing is that buyers, sellers and intermediaries have no losses, they are a community of interests.”

"Also, if the owner goes to list the house by himself, and there are so many consultation calls every day, he won't be bored? After all, every buyer's mentality is different. If you list 1 million, and the budget of 800,000 may think it is better to rush to one. Let’s see if we can negotiate, if we sell it to professional intermediary companies like us, we can directly screen out a group of customers, save time and worry as a seller, and still get the expected transaction price of 1 million.”

Speaking of which, the executive immediately looked at the colleague who had just mentioned the disintermediation of real estate and asked: "Old Qin, tell me~www.novelmt.com~ If you are an owner, in the face of a person who can help you You can quickly get rid of the house in your hand without paying extra costs yourself, and it can help you filter out useless customers. During the period, you won’t be bothered by countless consultation calls, will you refuse?”

The executive who was asked was speechless and certainly wouldn't say no.

Song Yi said: "So my conclusion is that de-intermediation is too taken for granted, this industry is impossible to disappear, and there will only be a pattern of more intense competition, because housing resources will naturally concentrate on intermediaries, which is due to the nature of the industry. It’s also human nature.”

At this time, another executive discussed: "The second-hand housing platform operated by Science and the People's Livelihood Fund, Ningzhou City intends to break the isolated island of housing information, but continuous improvement of market information asymmetry still requires capital-driven, compressed In conclusion, who should make this part of the profit?"

Song Yi said again: "Judging from the current situation, the cost should be borne by the government cloud system in Ningzhou City. Currently, it is the budget for infrastructure construction, but the system is not perfect, and the information islands are relatively obvious. The foundation that Ningzhou handed over to Lu Ming, don't forget that the foundation is a non-profit organization, and it is very rich, it is no exaggeration to say that there is no problem in setting aside a part of the funds to support the entire organization."

After speaking, Song Yi added: "To be honest, in terms of the compressed profit... This is the profit that should not be there, and everyone in the industry understands this, and it is also the real profiteering. What Ningzhou has to do this time... It can be seen that it is to destroy this part of the undeserved profit, and the days in the future will definitely not be as comfortable as before. I think the company must be prepared and corresponding. Countermeasures, in a word, the general trend is irreversible, and we must follow the trend.”

...