[akfanta]

> someone mentioned me about the (lot of ) empty buildings in china (or big cities).

In some smaller cities, yes. The demand is always higher than supply in the big cities like Shanghai/Beijing/Guangzhou/Shenzhen.

> Banks lend to people with the right connections (it's otherwhise impossible), they get an easy loan with the building as insurance.

Having the right connections will make your bank loan a lot easier, but if you are qualified, you certainly can still get one without connections.