Is it cost effective to buy an apartment for 40 years if you live there regularly?

If it is not cost-effective, it is recommended that it is better not to buy this kind of 40-year or 50-year apartment.

Difference between a 50-year (40-year) residential house and a 70-year residential house:

The 70-year property right is residential, the nature of land use right and real estate use are residential, and the design use is also residential.

The same is true for 50-year (40-year property rights) property rights (generally called apartments by developers), the nature of land use rights and real estate registration are for office or apartment (commercial), and the design use is residential. The actual planned use of such a house is office (50 years) or commercial (40 years), but the developer believes that the residential property is more profitable than the commercial and office use, and the development is made of residential use.

50 years (40 years) property disadvantages:

1 Water, electricity, gas, and property fees are all charged for commercial purposes, which is more than double that of ordinary residential buildings (70 years).

2. The transaction tax is charged according to the commercial real estate transaction, and the general transaction needs to pay between 10% and 15% of the tax (no matter how many years it is necessary to pay this), which is 1 or even more than 2 times the tax paid for the general residential transaction.

3. Generally, the houses with this property right are super high-rise, the shared area is particularly large, and the house type will be much worse than that of 70 years, and the permeability will be much worse than that of 70 years.

50 years (40 years) property advantages:

The only advantage of a 50-year (40-year) property is the availability of a business license and a registered company address.

Hello! Around 50 years old, it is cost-effective to buy an apartment for two people to live in.

Only 10 of the 40-year apartments are available, but more than 90 are not available. Under normal circumstances, apartments are favored by investors because of their relatively low total price, low threshold for buying a house, and high accommodation environment, but it should be noted that many investors are discouraged by the characteristics of short property rights, high cost of living, high down payment, high transaction procedures and small apartment type.

The biggest problem with the 40-year condominium is that the time is too short, so there are policy risks in the future. In the case of a 40-year apartment, it is still unknown whether the automatic renewal or payment fee will be made in the future, and more importantly, even if it can be renewed, if the renewal application is not approved, your land title will be repossessed. In this case, you can imagine that if the house is not yours anymore, and the 40-year apartment cannot be registered, then your children will not be able to enter the household registration.

At such a simple glance, if it is a family ** 40-year apartment, then the cost of living, small area and other hard problems. And in the case of a house upgrade, compared to a 70-year-old ordinary house, the apartment has to pay a lot of fees when it is sold again, and these expenses add up to about 10 to 20 of the house price.

Of course, this is not the case, although the apartment is more suitable for single high-income people, but for just needs, the apartment is not to enter.

Is it worth buying a 40-year house?

Annual property rights refer to houses with a land life of only 40 years, and they are mostly commercial land or comprehensive land houses, and the more common 40-year property rights houses are business apartments. There are pros and cons to buying a 40-year home, for example, this type of house has a minimum down payment ratio of 50 and a loan term of only 10 years, so buyers are relatively more financially stressed to buy this type of house.

The transaction tax of the annual property right house is relatively higher, the purchase of this kind of residence is not able to enjoy the deed tax preferential policy, and the property right period is short, the buyer will get the house, usually the property right is usually only more than 30 years, and the house may need to pay the land transfer fee after the expiration. Compared with residential houses, the appreciation of 40-year property rights is slow, and it is more difficult to sell.

3. In most cities, the 40-year property right house is not limited to purchase and loan, and the 40-year property right house is relatively low, mostly small houses, compact and functional. Most of the 40-year property rights are located in prosperous areas, with complete commercial facilities, convenient transportation and higher rental rates; Most of these residences are finely decorated and delivered, and the decoration standards are relatively high.

It is better not to buy a 40-year-old apartment. Because the property is only 40 years old, and you have to pay back the loan. Forty years later, I don't know who owns this house?

In fact, this is not a good deal for you, try to choose a large property right of 70 years. A 40-year-old condominium is actually very cost-effective. So try not to buy a 40-year-old condominium.

It's best not to buy, in fact, the apartment is just a common name for everyone, in law the house is divided into residential, commercial, industrial and so on, there is no apartment this property, and the apartment is a commercial and residential dual-use, commercial water and electricity The cost of living is high, there is no school district, because you can work so the internal management is mixed, it is really not recommended to buy.

No, because this period is indeed too short, and it is generally not recommended to buy an apartment, some of the water and electricity used in the apartment are commercial water stores, and the cost is particularly high, so don't buy this kind of apartment.

aqui te amo。

Forty-year property rights can be purchased, and will be automatically renewed after the expiration of forty years, and the renewal fee will be increased by **1%-10% at that time, and you can continue to use it.

The property rights are indefinite and belong to the owner forever, and the owner is free to dispose of the property rights. The term is the land use right of the house, 70 years for commercial housing, 50 years for commercial housing, and 40 years for commercial housing.

Article 149 of the Property Law stipulates that if the term of the right to use land for residential construction expires, it shall be automatically renewed. Therefore, before the expiration of the land use right, the land user can apply for renewal, and if the renewal is approved, the transfer contract can be re-signed, the land use right transfer fee can be paid, and the corresponding land registration procedures can be completed. The payment of fees is not regulated by law.

The property right consists of two parts: the ownership of the house is permanent and the land use right is for a period of time, while the land use right varies from one year to 70 years according to the relevant laws and regulations. After expiration, the land transfer fee can be repaid to obtain the land use right.

Whether an apartment is worth buying or not cannot be based on the number of years of ownership. Article 149 of the Property Law clearly states that "the right to use building land will be automatically renewed upon expiration", and the right of use can be renewed upon expiration, which means that the time limit of property rights is no longer a problem.

Under normal circumstances, the 40-year property right is commercial, tourism, and entertainment land, and whether it is worth buying should be examined in terms of its water and electricity bills, property fees, and the future development of the place, and whether the return value is worth buying. It is worth noting that buyers must have an understanding of the age of the house when buying a commercial house, and they cannot buy a house with a 40-year property right and can only use it for 20 years, which is worth the loss.

In addition, when selling a house, the developer should also explain to the customer how long the service life of the commercial house is.

Advantages of space40-year property rights apartments: 1. The apartment has the advantages of small area, low total price and good location, which can be lived and officed, and is relatively easy to rent, and the rent-to-house price ratio is still very high; 2. The compensation fee for the demolition of commercial land is high, and according to the relevant provisions of the Administrative Measures for Urban Demolition and Relocation Compensation, the compensation fund for the demolition of commercial land is much higher than that of ordinary residences; 3. It is a fact that the water and electricity bills are higher than ordinary houses, but in fact, if you calculate the small apartment of the square meter, it doesn't cost much money in a year The annual property right is not a problem, because there are still no relevant regulations in the country, and the interim method is that the property right will be automatically renewed after expiration; 5. The investment value of the apartment mainly depends on the location, good location + low total price + self-occupied and commercial, to be fair, the appreciation potential of commercial apartments is greater, and it is more worthy of investment. Disadvantages of a 40-year tenure apartment:

1. The design of the apartment is very compact, and it is not as comfortable to live as ordinary houses, with 10 or even 20 households on the first floor, and the living experience of the apartment is not enough due to the opening of hotels, companies and tenants of different colors; 2. As a commercial building, there is generally no school district in the apartment, and the utility fee and property fee are relatively expensive; 3. The high transfer tax leads to relatively poor investment liquidity, and the transfer tax of the apartment is about 15%-20%, not counting the intermediary fee. 4. There are many shared areas, and there are many areas such as public aisles in apartments, and the actual amount of 50 square meters of apartments is less than 40 square meters.

It is possible to buy an apartment for 40 years. Now the ** of apartment houses is more affordable, so it is suitable to buy apartment houses. The price of buying an apartment for 40 years is very low and you can live in it yourself or rent it out to someone else.

It is not recommended to buy a 40-year-old apartment, because we say that in fact, the apartment is not like our residential apartment is a kind of commercial residence, it has 40 years of property rights, young age, like the average resident's house has 70 years of property rights, in addition, she has to pay every month for water, electricity is paid according to the commercial electricity bill, and it is much more expensive than the average household, so on the whole, it is not recommended to buy if the cost performance is not high.

It is possible to buy it, but it is recommended that it is better not to buy such a 40-year, titled apartment. But there are many advantages to buying an apartment, the surrounding facilities are complete, cost-effective, and convenient to rent, and you can buy them with these advantages.

I don't think it's necessary to buy a 40-year-old apartment, but of course, if you need it, because a 40-year apartment is really short and doesn't help at all. If you want to buy, you still buy a commercial house, with a 70-year property right that has a longer service life and a longer transaction right.

First: under what circumstances can I buy.

In cities with limited purchase and loans, there is no loan quota, no house purchase quota, no loan quota, then in this case, you can buy an apartment with a 40-year property right, after all, you don't have a house ticket now, and you have to buy a house for transition, then only the apartment can solve it, so in this case, you can buy it completely, and there is no limit to the loan or purchase.

Investment, for this kind of people, it is recommended to buy an apartment in the city center or at the subway entrance, and an apartment with a 40-year property right in the suburbs, you must not buy it, otherwise it will be difficult to sell it when the time comes, and it is quite difficult to rent it, so you must consider it.

Second: under what circumstances can not be bought.

Apartments in third- and fourth-tier cities, don't buy, second-hand apartments in third- and fourth-tier cities, the cost of transfer is actually very high, accounting for almost 20% of the total price of the house, and it is relatively difficult to sell, you are investing or independent do not choose an apartment with 40-year property rights, otherwise it will be smashed in your own hands.

The second one, don't want apartments in the suburbs, don't buy apartments that you rent back, say how many years to buy back, this kind of is basically a lie, ten years later, it's hard to say that the company is not there, and no one will fight a lawsuit when you do.

Conclusion: Finally, to sum up, it is not that the apartment cannot be bought, but according to your own situation, you can buy it with limited purchase and loan investment in big cities, but you should also be optimistic about the location;

If you can buy a house in a small city, you must not buy an apartment, because there is not much difference between an apartment in a small city and a house, so you must choose carefully when buying a house.

It is also possible to buy a 40-year-old apartment, but the value is slightly lower because it is already very low.

From the perspective of use, the 40-year commercial apartment has the flexibility to live in it yourself, or you can let your children or the elderly live in it after you buy a second home;

It can also be rented out for returns, because commercial apartments can be registered as business licenses for office space, which is quite popular with small companies, so that the rent of apartments of the same area will be much higher than that of residential buildings.

In addition, since the developer's profit is mainly realized commercially, the expectation of profit is not high for the apartment as a supporting package, so the ** of the apartment is slightly lower than other projects in the same location, and the cost performance is higher. And now there is news that the water fee for 40-year condominiums can be applied for to be changed to civil water charges, if this policy can really be implemented in the future, this is nothing more than the policy for commercial apartments.

Commercial real estate is the core of the city's prosperity and development, and residential buildings without commercial real estate cannot be sold. ”

Commercial real estate is the carrier of China's new economy, an important part of the market economy chain, and has a great contribution to China's economic and industrial structure in transition.

The state has been encouraging investment in commercial real estate, and commercial apartments are part of commercial real estate and are also the commercial real estate with the lowest risk rate. Good location, low total price, can be self-occupied and commercial ......To be fair, commercial apartments have more potential to appreciate in value and are more worth investing in.

1. No purchase limit or loan limit. The country's current purchase restriction policy has discouraged many investors and customers who just need it, and apartments are undoubtedly an opportunity to buy houses as unlimited. In addition, various policies now support the purchase of business, and the development prospects have also been optimistic.

2. Low pressure. The average price of many residential real estate for sale is quite high, 15,000+ real estate also abounds, and the average price of commercial apartments for sale is mostly 10,000 yuan, and the unit type is between 30-70, the total price is also low, and the purchase pressure is less.