What are the differences between affordable housing and commercial housing
4hw.com.cn: today's house prices are still in a relatively high state. Many people can't afford a house even after struggling all their lives. There are many types of houses in the real estate market. When buyers buy houses, they often hear about affordable housing and commercial housing, but they are not very clear about the difference between them. So what's the difference between affordable housing and commercial housing?
1. Property rights and uses are different
Affordable housing is a partial property right, not a complete property right. Affordable housing to be listed must meet certain conditions, and can only be used to live, can not rent or lend to others, can not engage in any activities other than living. If the homeowner later purchases other housing, the property right of the purchased affordable housing will be taken back by the government.
The buyer of commercial housing obtains complete property rights, can freely trade on the market, can be used for self occupation, rent or loan, and can engage in other activities other than residence. In line with the purchase restriction policy, the owner can have more than one commercial housing property right at the same time.
2. The nature of land is different
Affordable housing is the land allocated by the government, which can enjoy many preferential policies formulated by the government. This is where the affordable housing is. Commercial housing basically can not enjoy preferential policies, because its land is obtained through transfer.
3. Different restrictions on property rights
The land of affordable housing is allocated by the government, so the buyer has incomplete property rights, even if he bought the house, he can only get the property right certificate, not the land certificate. If you want to transfer, you can only meet the purchase time of five years and pay the land transfer fee. There is no such limit for commercial housing.
4. Different purchase conditions and objects
Affordable housing enjoys preferential treatment from the government, and its purchase object is specific. It is only provided to low-income families in cities and towns, so the application approval system should be implemented. Without considering the purchase restriction policy, the purchase object and conditions of commercial housing are not limited.
5. Housing area is different
Because affordable housing is mainly for affordable housing, and mainly sold to low-income families, there are certain regulations and restrictions on the housing area and structure, and the housing area must meet the construction standards to meet the basic needs of buyers. The commercial housing is out of the pursuit of benefits, more attention, such as to maximize the benefits of housing construction, there are no specific provisions on the housing area and structure, all decided by the enterprise itself.
6. The purpose of construction is different
The purpose of the construction of commercial housing is to earn profits. It is the real estate development enterprises to develop the land, build houses and sell them on the market, but the affordable housing is not so. The purpose of the construction of affordable housing is to provide security for some families with financial difficulties, which is arranged according to the national construction plan.
7. The selling price is different
Since the construction of affordable housing is arranged by the relevant national institutions, the price is naturally set by the government, and because the purpose of housing construction is to provide security, the price is generally lower than the housing price on the market. The commercial housing is built by the development enterprise, the price is naturally determined by the enterprise, in order to earn benefits, the price is naturally much higher than the price of affordable housing.
8. The construction standard is different from the pricing policy
Affordable housing has both economy and applicability. The construction standard and sales price are limited by the government, and the price should be lower than the market price. The government should give some policy support according to the principle of protecting the capital and making small profits, so that low-income families can get housing security. Its applicability is reflected in having the necessary living functions to meet the basic living needs of residents, and the construction standards are adapted to local conditions.
The construction standard and sales price of commercial housing are not limited by the government, but determined by developers and market economy respectively. Although the price of commercial housing is higher, its practicability, decoration and design sense are stronger.
When the buyers apply for affordable housing, they should follow certain rules. The government departments generally release the corresponding conditions in advance, and the qualified applicants can write the application in advance to avoid missing the opportunity.