The emergence of various apartments in the market makes many people who are not qualified to buy houses ready to invest in apartments with small property rights, but many people do not recommend buying apartments. The following Xiaobian will introduce the defects of apartments relative to houses.
1、 Origin of apartment
In fact, in China's real estate laws and regulations, there is no such saying as apartment, only residential and office buildings. The hot apartments in recent years are actually residential houses built on the land that should have built office buildings and shops, so the property right of the apartment is only 40 or 50 years.
In urban planning, if you want to develop a new section, you must have complete supporting facilities, such as houses, hospitals, schools, shops and office buildings. Office buildings and shops can make this area have enough space to absorb enterprises and give local residents a place to work, so that the local government can obtain tax revenue and develop this area.
However, after the construction of a large number of office buildings is completed, most of the urban industrial economy lags behind for several steps, especially recently, the industries of the real economy are too concentrated, and e-commerce has replaced a large number of offline stores, resulting in a large number of office buildings idle. This situation is common in Beijing, Shanghai, Guangzhou and Shenzhen, especially in the second and third tier cities.
If the office building has been idle, the developers have to repay the huge amount of funds borrowed from the bank, and the economic chain behind it is cumbersome and complex. In addition, it is difficult for the migrant population to settle down without land, and there are few affordable houses, so the developers have to build the shops and office buildings into residential apartments. It should be noted here that apartments are commercial houses with residential properties from the beginning, and they are not recognized.
2、 Liquidity defect
Many apartment salespeople will tell you the advantages of apartments. The house price is cheap and one segment lower than the surrounding houses; Good location, most apartments are located in the center of the business district or next to the subway, which is very convenient for life; No restriction, just buy; High rent and high return; Fine decoration, especially loft, 'fulfill your urban noble dream' & hellip& hellip;
After these benefits are finished, what about the defects of the apartment? The first is the problem of liquidity. If you buy a new apartment, you need to pay a deed tax of 3%, which is 2% higher than that of the house. For the same one million, you have to pay an additional tax of 20000. If you want to buy a second-hand apartment, the tax will be higher. There are individual income tax, value-added tax, land value-added tax, urban maintenance and construction and education surcharge, stamp tax, etc., which almost includes all the real estate transaction tax, which is about 30% of the full amount or 55% of the difference.
If you spend 1 million to buy an apartment and the price rises to 2 million ten years later, you need to pay about 600000 taxes in the rising 1 million, which almost drowns the rising house prices. These taxes need to be borne by the buyer. Compared with the buyer, it is better to buy a new house to bear such high taxes.
3、 Policy restrictions
Since birth, the apartment has a commercial nature. Living in it, water and electricity are used for commercial water and electricity, and the price is more expensive than that of the residence. In addition, the apartment can not be connected with gas and natural gas, resulting in a high cost of living. In addition, from the perspective of architectural design, there are many apartments with 1 elevator and 10 households or more, so it is difficult to wait for the elevator in the peak period. And such high density will make the echo of the room larger. If the neighbors still do manicure, beauty, yoga room, small bar and other businesses, they will be very noisy at home.
In addition, the apartment cannot be settled because of its commercial and residential properties. After purchase, the future children can't enjoy urban supporting resources such as going to school and buying a car. Moreover, there are serious restrictions on loans. The commercial loan policy of '50% down payment + up to 10 years' has been implemented in many places all the time. There is very little room for buyers to leverage, and in a sense, they have also lost their investment value.
4、 Value added space
Beijing pixel, a famous commercial and residential apartment in Beijing, was opened in 2010. The double opening price is about 18000 / m2. With favorable transportation, by the end of December 2012, the thatched cottage station at the east end of Metro Line 6 was opened, and the price rose sharply, breaking the 40000 yuan mark. But now according to the price data on the official website, the average price is about 40000 / m2. Appreciation of 102%. For the second-hand house in the same area, Berlin Philharmonic, delivered in 2008, the opening price was 5800 yuan / m2, the house price in 2010 was 15000 yuan / m2, and now the house price is 60000 yuan / m2, with an appreciation of more than three times. Relatively speaking, there is more room for residential appreciation.
If you have to buy an apartment, the premise is to live by yourself, and you don't consider changing houses in the future. It doesn't matter whether the house increases in value. The purchase quota and the first house loan are of little value. Under these premises, you can choose to buy an apartment.