What is the difference between an apartment and a house, the advantages and disadvantages?

There is literally not much difference between an apartment and a house, but if you ask like that, you are probably in doubt about a semi-commercial apartment and a pure residence. In fact, there is a commercial nature in the apartment, the water and electricity bills are higher, but you can change the office building, but also to get a business license, only need to make up the formalities, the advantage is that it is better to rent, for investment is good, if you live by yourself, it is good to be single or two-person world, but it is not good to have old and young, after all, people in and out are more miscellaneous. In principle, pure housing cannot be officed, and there is no business license, especially for relatively large buildings, almost all of which are self-occupied households, which are relatively safe, but not easy to rent.

More and more apartment products are entering the market, and more and more netizens are consulting apartment products. So, what's the difference between an apartment and a house, and what exactly does an apartment mean? Today, I will tell you about the advantages and disadvantages of apartments and houses, and how big is the difference between apartments and houses?

Definition and classification of apartments.

The apartments in the market are usually divided into commercial residential and commercial apartments and serviced apartments. There are differences in the nature of land use, the term of property rights, the type of loan, the term of the loan and various taxes.

What is the difference between a commercial and residential apartment.

1. Different loan and down payment policies (depending on the policy of each province).

Residential: 30 for the first unit, 40 down payment for the second unit, purchase limit and loan limit, but the first unit has a preferential interest rate and can use a CPF loan;

Apartment: 50 down payment, unlimited loan and purchase. However, you can only borrow for 10 years and cannot use CPF loans.

2. Resettlement and settlement are different (depending on the policy of each province).

Residential: eligible to settle down, with a degree;

Apartment: Unable to settle down, no degree.

3. Different land use rights.

Residential: 70-year land use right;

Condominium: 40 years for commercial land depending on the nature of the land use.

4. Second-hand transaction taxes and fees are different.

Residential: Deed tax 1 -3, main transaction tax includes business tax and personal income tax;

Condominium: 3 deed tax, the main transaction taxes include business tax, personal income tax and land appreciation tax.

5. Water, electricity and other living expenses (depending on the property).

Residential: living electricity and water bills;

Condominium: Utility bills are higher than those of ordinary houses. Usually the apartment is used for commercial purposes. Although there are different classifications, most condo utility bills are paid based on commercially paid utilities**.

Advantages and disadvantages of commercial and residential apartments.

Pros:1Small area, low total price: the cost of buying a house and the cost of renovation are much lower than the cost of a house. The popular loft can also be expanded by adding compartments on the inside, which reduces the unit price to a certain extent.

2.Commercial & Residential Use: There are office functions, companies can also be registered, ** lower than office buildings. A bustling business district with complete facilities and convenient transportation that can be used as a hotel or office.

3.Good geographical conditions: it is therefore located near the traffic area and is the layout of the commercial center. This also determines having a wide customer base and therefore a high occupancy rate, which, combined with the high standard of renovation of the apartment, gives the apartment a high occupancy rate and high rental characteristics.

4.There is no limit to purchases.

Cons: 1Tenure: 40 years for commercial land and 70 years for ordinary residences.

2.Ladder Household Ratio: Commercial and residential apartments are typically small in size, with many residents on each floor, making it difficult to get elevators during the morning and evening rush hours.

3.Living comfort: Due to the small size of commercial and residential apartments, it is usually not as airy as residential buildings, and the living comfort is not as good as that of ordinary houses.

4.Daily living expenses: The water, electricity and gas in the apartment are commercial charges, which are more expensive than residential charges.

That's all there is to the advantages and disadvantages of apartments and houses, and the differences between apartments and houses.

If you have the same financial resources, you should buy a house in order to live; If you don't have enough money, you can buy whatever you want, and it's better to have a home than to float.

1. In general, apartments are more difficult to sell than residential houses (first-hand houses). The tax paid for second-hand housing transactions is also higher than that of residential properties.

2. The apartment is a commercial land with a general 30 to 50 years property right, and the residential is a residential land with a 70 year property right.

3. The return on investment of apartments in suitable locations is generally relatively high, mainly relying on rental income; Residential investment yields are low, relying on house prices**.

4. There are generally dozens of apartments on each floor, and the living environment is poor. The dwellings are generally 2 to 8 households.

5. The electricity used in the apartment is commercial electricity, and the property fee will be high.

6. In some cities, apartments are not counted as school districts.

7. The floor height of the apartment is generally higher than that of the same residence.

8. Apartments generally do not have a kitchen and bathroom with direct windows to the outside, and there is only one orientation, and the lighting and ventilation are worse than those of the residence.

9. The elevator in the apartment is generally more difficult than the residence.

10. The communal pool of apartments is generally larger than that of residences.

**Low, no purchase limit and other advantages.

To put it simply, the apartment is low and the area is small, which reduces the trouble of funds, but the water and electricity bills of the apartment are relatively expensive, so some people don't know whether it is suitable for long-term living.

For single people, apartments are suitable for long-term living, because the apartments are small, fully functional, and usually located in more prosperous areas, which is more convenient to live in.

Fixed assets (value preservation and appreciation) self-occupation of registered company warehouse (**).

What is the difference between an apartment and a house, what are the advantages and disadvantages of buying an ordinary house, everyone should understand these contents, which will help you to buy a house or an apartment.

Many owners are buying apartment-type housing, first of all, the overall area is relatively small, the cost is relatively low, for those who want to invest or young people such a house is a good choice, so what is the difference between apartments and residences, the purchase of land transfer fees are higher than residences, so the sales of apartments are slightly higher than residences.

Fourth, the general feature of the apartment is that the location belongs to the central area, generally with a small rent.

Fifth, there are also very few different products, such as Shanghai's Prince Jingpin, which is a large-scale ultra-luxury product, but the customer group is only a higher-level, long-term business guest who comes to live with a family. This kind of people usually only live for a year and a half, so they care a lot about the hotel-style enjoyment, and at the same time, they don't care about whether there is gas ** or not, whether water and electricity are cheap. Due to the partial investment attributes, the small apartment and low total price are very important features.

What are the pros and cons of buying a regular home?

1. Advantages of buying an ordinary house Generally speaking, the optional unit area of ordinary houses is large, and it is generally lived in as a family unit, and the 2-bedroom and 3-room houses are the main house types, which are not only suitable for multiple people to live, but also do not have to worry about the troubles caused by the increase in personnel. In addition, there are water and electricity bills charged according to civil standards, and the land use period is 70 years. The most important thing is that there are many community families in ordinary houses, and the living atmosphere is strong.

2. The disadvantages of buying an ordinary house Although the ordinary house is very good, in general, the total price of the ordinary house with a large unit area is high, which is more stressful for the post-90s couple. In addition, because the rough ordinary house costs money to decorate, it is very time-consuming and labor-intensive, and the decoration is also very cumbersome.

What is the difference between an apartment and a house, the specific content is introduced above, I don't know if you understand, the property right of an ordinary house is seventy years, but the apartment is forty years, so you must consider this issue when choosing. What are the advantages and disadvantages of buying an ordinary house, for example, the advantage is that the 70-year property right is a relatively standard form of residence, but there are also certain drawbacks, so you can choose according to your needs.

Residential apartments vs. commercial and residential apartments.

1. Down payment. Residential condominiums (70-year ownership): 20% minimum, 30% general

Commercial condominium (40 years tenure): 50% minimum

For an apartment with a total price of 400,000 yuan (excluding taxes and fees), the minimum down payment for a 70-year property right bank loan is 2 percent, the down payment is about 80,000 yuan, the down payment is 3 percent, and the down payment is about 120,000 yuan; The minimum down payment for 40-year property rights is 5%, and the down payment must be at least 200,000 yuan. The difference is a full 8-120,000 yuan, which is almost the down payment for a house.

2. Loan term.

Residential apartments (70 years): up to 30 years.

Commercial condominium (40-year ownership): up to 10 years.

Assuming the same bank loan of 200,000 yuan, the maximum loan for a 70-year property right apartment is 30 years, and the monthly payment is about 1,061 yuan; The loan is 20 years, and the monthly payment is only 1,309 yuan; The maximum loan for an apartment with a 40-year property right is 10 years, and the monthly payment needs to be 2,208 yuan, which invisibly increases the pressure on buyers to repay the loan.

3. Loan interest rate.

Residential Condominium (70-year tenure): Benchmark rate.

Commercial Condominium (40 years): 20% or 30% upside

In the case of the same bank loan of 10 years and 150,000 yuan, the 70-year property right apartment is the benchmark interest rate, with a monthly payment of about 1,584 yuan, and the 40-year property right apartment loan interest rate will rise, with a monthly payment of about 1,656 yuan, which is 8,000 yuan more than the 70-year property right apartment.

4. Provident fund loans.

Residential Apartment (70 Year Ownership): Available.

Commercial Apartment (40 Year Ownership): Not available.

I believe that those who have used housing provident fund loans know that the interest rate of provident fund loans is lower than bank loans, and the monthly payment cost is less, which means that if you use a provident fund loan for an apartment with a 70-year property right, it will save more money.

5. Cost of living.

Residential apartment (70-year ownership): civil water and electricity.

Commercial apartment (40-year property right): about 1 times higher than residential water and electricity.

In terms of living costs, water, electricity, heating, and broadband are all charged according to civil standards for 70-year apartments; The water, electricity, heating, and broadband of the 40-year apartment are charged according to commercial standards.

What is the difference between a house and an apartment, after reading these 4 points, you will know, which one will you choose.

Residential is mainly for individual users, while craftsmanship is mainly for machine users.

Nowadays, there are many forms of housing, even in the commercial street, there will be a lot of housing in ** or rent, and there are many commercial street houses in the form of apartments. Buyers know that our general housing is residential, and the apartment house Dachun or Shiduo is used for commercial properties, but there are still many people who buy apartments to live in, so what is the difference between apartments and houses? Is it better to buy an apartment or a house?

What is the difference between an apartment and a house?

1. The term of property rights is different.

The property rights of the house are actually related to the nature of the land where the house is located, and the land transferred is mainly divided into residential nature and commercial nature, and the nature of the land occupied by the construction of houses and apartments is different. Although there is no restriction on the use of houses, the use of land property rights has a time limit, and the so-called property right term refers to the land use period, generally speaking, the use right of ordinary houses is generally 70 years; There are two types of access rights, 40 years and 50 years, depending on the type of land used in the plot.

2. The settlement regulations are different.

Nowadays, many people will move their hukou to the location of the house when they buy a house, but it is not possible to move the hukou after buying a house, which is also the difference between buying a house and an apartment. If the apartment is a project built on commercial land, it is a commercial nature, and it cannot be registered, but the residence is different, as long as certain conditions are met, the buyer can solve the household registration problem, but this is also related to the local policy, you can understand the local settlement policy before buying a house.

3. The standard of water and electricity charges is different.

Residences meet the needs of residents, while apartments have obvious commercial attributes, so the charging standards for water and electricity bills are also different between residences and apartments. The residence belongs to the civil housing, and the water and electricity charges are charged according to the standard of civil water and electricity; The apartment belongs to commercial housing, and the water and electricity bills are charged according to the standards of commercial water and electricity, so don't underestimate this cost, in the long run, the water and electricity expenses of the residence will be at least half of the water and electricity expenses of the apartment.

Is it better to buy an apartment or a house?

For apartments and houses, different people will have different choices to tell you which groups of people are suitable for apartments and houses:

1. The apartment is suitable for transitional people.

Most apartment houses are not designed to be too large, so they are not suitable for long-term living, and are only suitable for those who choose to transition to an apartment for a while. When buying an apartment, you should pay attention to the characteristics of the living group, and pay attention to the surrounding facilities and transportation when buying a public apartment, which is related to whether your future life is convenient.

2. The house is suitable for home.

For more stable families, they can choose a residential house when they already have children, and the water and electricity bills of the house are charged according to the standard of civil water and electricity, which will not be like an apartment house, and the cost of living is high. Ordinary houses are generally two ladders and four households or five households with a group drain, or it may be one ladder and two households, and the number of households occupied is relatively small, whether it is travel or the privacy of residence can be guaranteed, which is very important for a family.