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Whether an apartment is worth buying is the essential difference between an apartment and a house

In recent years, in the circle of some young people, a new form of real estate came into being. They seem to be very fond of apartments with low total price and small house types. On the one hand, apartments are not limited by the purchase and loan restriction policy, on the other hand, the style of Apartments is mostly fashionable, which is also one of the reasons to attract young people. But in fact, to be exact, apartments can not be equated with houses, and there are still many differences between the two.

1、 What is a house?

Residence is a special house for people to live in. It mainly includes ordinary residential houses, villas, apartments, dormitories, etc., as well as single staff dormitories and student dormitories. Generally, they live in families, mostly two rooms and three rooms.

2、 What is an apartment?

Apartment is the most extensive form of real estate in commercial real estate investment. Its biggest feature is that it is suitable for business and living, mainly in house type design, property management and supporting facilities. The land of most apartments is public land, and there are strict requirements and standards in terms of construction. For example, balconies shall not be set, and the planning spacing shall be formulated in accordance with the regulations.

3、 What's the difference between an apartment and a house?

Due to policy factors, under the current strict purchase and loan restriction policy, the residential community without house purchase qualification has been rejected. When the groups with housing demand and investment demand cannot choose housing, they can only retreat to the second place and consider apartments for a transition.

Although the area of the apartment is small and the total price is low, the down payment is required to be at least 50%, and the interest rate is at least 30% higher than the benchmark interest rate. Many people think that the property right period of the apartment is 40 years. In fact, the property right period of the apartment is divided into different periods according to the category. According to the nature of the land, the property right of commercial apartments is 40 to 50 years, while the property right of hotel apartments is only 40 years, and the property right period of residential apartments is the same as that of residential apartments is 70 years.

Some apartments are for commercial use. The water and electricity costs of these apartments belong to commercial water and electricity costs, which are more expensive than pure houses. However, some apartments are still civil water and electricity costs, which depends on how the developer's real estate is approved, and also depends on local policies, regulations or notices. The relevant policies may be slightly different according to different urban regions.

Apartments are generally located near the subway or large shopping malls, and even some apartments are planned as a commercial complex. Mature transportation and commercial facilities make life more convenient and can absorb a large number of people. Compared with residential apartments, apartments have higher rental return, less investment risk, and flexible rental and sales. However, the tax of apartment secondary transaction is high, and the appreciation of its own value is uncertain.

If you are subject to purchase and loan restrictions, or feel that there is great financial pressure to buy houses at this stage, using apartments as a transition is actually a good choice, which can solve the current housing problem and maintain and increase the value of assets. For people working in some first tier cities, if the local house purchase policy conditions are not met, the purchase of apartments is neither limited nor limited. It is a good practice to buy apartments as a transition.