At present, most of the houses in the market are commercial houses, economic houses, apartment villas, etc., especially apartments. There are many temptations for buyers, so friends who want to buy apartments don't worry. Let's have a detailed understanding of the relevant knowledge about apartments with Xiaobian.
What are the disadvantages of apartments?
1. Short land use life
Compared with residential buildings, commercial apartments mostly belong to the nature of 'shopping malls', office buildings or hotels. Compared with the residential land, the service life of this kind of commercial apartment is 70 years. Due to different types, the land service life of this kind of commercial apartment is only 40 to 50 years, and the land price of commercial apartment needs to be increased after the expiration of the land service life.
2. It is difficult to change hands with high taxes
According to the policy, residential second-hand transactions can be exempted from land value-added tax, but commercial apartment transactions cannot be exempted. The land value-added tax is generally levied according to the value-added amount of the transferred land, and the four-level super rate progressive tax rate is implemented, that is, the tax of 30% and only 60% is levied on the value-added part according to the value-added amount. In addition, a business tax of 5.5% shall be levied on the total property transaction price, and the sum of various taxes and fees usually reaches 10% to 14% of the total property transaction price
3. The mortgage interest rate is relatively high and the service life is short
Although commercial apartments are not affected by the residential purchase restriction order and loan restriction order, because they are commercial properties, they can only obtain 50% and 10-year loans, and can not apply for provident fund loans with lower interest rates. At present, the loan interest rate of commercial projects is generally 1.1 to 1.3 times of the benchmark interest rate, while the residential loan interest rate is mostly 1.1 times higher. Compared with residential buildings, the interest expenditure of apartments is much higher, which is not cost-effective.
4. Management fees and utilities are more expensive
Apartments are much higher than residential buildings in terms of management fees and utilities, because apartments are charged according to the standard of commercial utilities. For example, if the charging standard of water and sewage treatment fee for residential property is 2 yuan / m3, the charging standard of water for commercial property will reach 4 yuan / m3; The charging standard for residential electricity is 0.5 yuan / kWh, and the charging standard for apartment electricity may be 1 yuan / kWh. In addition, the management fee of commercial apartments is generally 3-10 yuan / m2 / month, which is much higher than that of ordinary houses of 1-4 yuan / m2 / month.
What are the precautions for buying an apartment?
1. Pay attention to the property right of the house
According to relevant regulations, the nature of housing use right is consistent with that of land use right. The nature of commercial housing involves only residential land, commercial land and industrial land. Buyers only need to check the land use column in the land use certificate of the real estate, and it is clear whether residential or commercial.
2. Select brand developer
Compared with some small and medium-sized developers, brand developers have more brand strength, and the most important thing is to have a good capital turnover ability. Moreover, such enterprises have a sense of responsibility and will not have a bad tail.
3. It is recommended to select superior sections
When buying a house, it is recommended to choose an area with mature business district and convenient transportation. On the one hand, it is easy to rent and the rent is guaranteed; On the other hand, it is because there is a large room for appreciation, which is conducive to other uses.
4. The level of property management determines the rental rate of houses
When buying a house, we should first ensure that the supporting facilities in the community should be perfect, especially commercial supporting facilities. Secondly, the security measures of the community should be guaranteed, and the problems fed back by the owners should be handled quickly, so that your rent can be guaranteed.
About some relevant knowledge of apartment, Xiaobian will introduce you here. Xiaobian reminds you that you'd better have a comprehensive understanding of the shortcomings of the apartment in advance before buying the apartment. After considering your own situation, it's also a good decision to treat the apartment rationally, remove some unnecessary incidental attributes and choose an apartment. I hope this article can help you!