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Commercial housing PK pure residence, how do you choose?

Time: 2014-08-12         Source: Rong 360 original         Author: Lu Wang

In the context of restricting purchases and loans, the advantage of unrestricted commercial housing, small size, and low total price has attracted the attention of many buyers. Is commercial housing really the same as pure residential? Before you buy a home, you need to thoroughly understand it. The best way is to compare it with a pure house. Rong 360 Xiaobian analyzes the pros and cons of both in this aspect, so that you can see at a glance and make the best choice.

  1. Property rights
Commercial housing for 40 years, the application to the mix, can be 50 years. It is not clear whether the Property Law will automatically renew the right to use real estate on a comprehensive land.
70 years of pure residential property rights, automatically renewed after expiration.

  2. Loans
The down payment for the “business change” project is 50% and cannot be used.Provident fund loanThis will bring some financial pressure to the buyers. Most of them can't apply for a provident fund loan, but there are also a few projects that can be done under the efforts of the developers. For another 50-year property or 40-year-old property, if you use bank loans, you can only get 50% or 60% of the mortgage, and the longest loan period is 10 years.

Residents who purchase pure houses in addition to using savings, the lack of funds for the purchase of housing generally apply for individuals firstHousing provident fund loan, still insufficient to apply for bank personal housingMortgage LoansTo solve this problem, the current use of such "combined loans" is the most common way to buy a house.

 3. Daily life
There are almost no North-South households in commercial housing, and there are households in the southeast and northwest. There are many ultra-small units, mainly 40-80. The density of living is large, and it has generally appeared from more than 7-20 households. General property fees are high, there is no natural gas, commercial and residential water and electricity, and no gas. According to commercial standards, the water supply fee is 2 yuan / cubic meter, and the electricity fee is 1 yuan / kWh. Some developers are relatively strong, can apply for civil water and electricity, and can also apply for natural gas, but can not write into the purchase contract. That is to say, most commercial housing cannot guarantee that the purchaser pays the deed tax, property fee, and water and electricity fee according to the standard of the house, and has to bear a higher cost of living.

Pure houses are generally transparent to the north and south, and there are many Shuangyang households, generally 2-4 households, the environment is relatively quiet, and the comfort is greatly improved. Water fee: 2.93 yuan / cubic (including water supply fee of 1.63 yuan, drainage fee of 1.30 yuan), electricity fee: (6:00 - 22:00) 0.617 yuan / kWh, (22:00 - -6:00) 0.307 / Kilowatt hours, gas fee: (natural gas) 2.50 yuan / cubic. Most of the surrounding living facilities are relatively complete, and schools, hospitals, supermarkets, etc. are generally available, and the cost of living is relatively low and convenient.
  
 4. Policy
When the conditions for the approval of the purchase of a house in Beijing are made, the property of the commercial project to be changed into a house is not included in the assessment of the family property. That is to say, there are two sets of residential Beijing-based families that can buy commercial residences. Non-Beijing-based families can buy housing regardless of whether they are eligible for tax or social security. Unlimited purchase of unlimited loans, the lower total price is the biggest advantage of commercial housing.

Commercial housing is currently unable to pay the deed tax according to the standard of the house. In the process of reselling the house, the relevant expenses are calculated according to the quotient, and the deed tax for the transfer is 4%, and the deed tax for the ordinary residence is 2% (not exceeding 144 square meters). . At the same time, business transactions are subject to business tax and land value-added tax. Therefore, from an investment perspective, investors will bear huge selling costs, which also makes it more difficult for buyers to choose.

Now the state has clearly stipulated that it is forbidden to change businesses, so the commercial houses currently sold are all previously applied for sale. This is why many developers use the banner of “out of print loft” or “out of print shop housing”. Moreover, commercial housing cannot be settled, and pure housing can be settled.

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