Hello, what is the difference between a 40 year and a 70 year apartment?

Residential apartments.

Nature of land: Generally residential.

Property Type: Condominium.

Tenure: 70 years.

Features: The unit area is small, 30 60 square meters, with decoration delivery standards, and you can move in with your bag.

Business apartments. Nature of land use: generally comprehensive land or commercial land.

Property Type: Business Apartment.

Tenure: 50 or 40 years depending on the nature of the land.

Features: Generally located in the core area of the city and the central business district, both residential and office, with office building functions, in some cities can register companies, ** relatively low office buildings, down payment of 5 percent, mortgage 10 years, property rights for business apartments, non-pure office buildings.

Serviced apartments.

Nature of land use: generally commercial land.

Property Type: Condominium or Business Condominium.

Term of property rights: 40 years depending on the nature of the land.

Features: The area is small, the main unit is mainly below 90 square meters, the decoration grade is higher, most of them are located in the core of the city, around the business district, convenient transportation, in accordance with the facilities of the star hotel for the external and internal design of the building, reflecting the grade and comfort, generally only rent not sell and property rights management, most of the internationally renowned brand property management companies, professional hotel management groups to provide professional, meticulous, so the property management fee is also higher.

What is the difference between a 40-year property and a 70-year house? Today I know it.

The issue of 40 years or 70 years of the apartment is actually not entangled, the essence of real estate is the collective name of real estate and real estate, and real estate in China's laws and regulations clearly stipulate that it is only state-owned or collectively owned, and real estate is a product attached to the land. The right of use in China also has clear provisions, such as after the expiration of the property right of the real estate, each square meter only needs to pay per square meter, the maximum is not exceeded, you only need to pay the land transfer fee, you can continue to use.

Well, we have solved the problem of the number of years of property rights, so which is worth buying, residential or commercial?

The nature of the residence is first 70 years of property rights, because after 16 years of China's successive introduction of purchase restrictions, many urban residential apartments have been limited to purchase, with a house ticket to buy a small area I personally think it is not cost-effective, first buy a 70-year property right of the residential apartment, the future transaction is not so easy, others also need to have a house ticket to buy, and after they use up the house ticket, they have to wait a long time to buy a house again, and if you can only buy a suite, you also need to sell the apartment you buy now, and then rent a house to buy a house! Of course, there are many benefits of residential apartments, first of all, the community is closed management, and other products in the community enjoy the community landscaping, plus the general residential nature is with natural gas, like to cook this point must have, and the water and electricity used are civilian, ** will be much cheaper than business.

Commercial apartments are known to be unlimited and affordable, especially now that many of these folk apartments are now renting in the market! Which kind of apartment can I buy? The answer is of course, but some of the problems to be faced after buying, one of the most important problems in the future after buying is that the second-hand apartment market space is too narrow, most people will turn their attention to the first-hand house, and the transaction volume of the second-hand apartment, and the bleak, but in the future to be a first-hand landlord is not bad.

Other small problems are like water, electricity is expensive, the public pool is large, the safety of the community may not be guaranteed, and the general apartment is accompanied by a commercial complex!

Buying a house according to the temporary actual situation and the future of their own living standards to improve, consider a result of the most trade-offs for themselves, often many people buy a house to see in front of them, forget that the apartment is just a transitional commodity for us, not that we want to live in this apartment for a lifetime, what you have to consider is which one is more suitable, and then find a location that is relatively easy to rent in the future, ** relatively acceptable, just about the same, I hope you can find a suitable commercial house!

Comparatively speaking, a 70-year property is better, because a 70-year property is a water and electricity house, and there is also a school district.

Of course, it is to buy a house, and the house can be settled and bound to many public resources. Condominiums cannot be settled in and the cost of changing hands is high, so it is better to buy a home if it is not for a special purpose.

A 70-year property right house is better, because now people have a higher life expectancy, and if you buy a 70-year property right, you will live longer, and a 70-year property right house can be settled, but it is more expensive.

First, let's take a look at how property rights are divided. We have permanent ownership of the house, but the house is built on land and the land has a limited lifespan. Therefore, what we usually call 40-year property rights and 70-year property rights refers to the land use period of the house.

A house with a property right of 70 years, that is, a residence, can be settled, while a house with a property right of 40 or 50 years can also meet the requirements of residence, but the nature of its land use determines that the house itself is still non-residential, so generally speaking, it cannot be settled, and the children cannot be divided into the corresponding school district and go to school nearby; At the same time, 40-year-old houses generally do not have gas. There are also a few differences:

The land use nature of the annual property condominium is actually residential, and the land use nature of the 40-year property right apartment is actually non-residential;

2.Bank mortgage loan down payment ratio: 70-year down payment for condominiums to enjoy residential treatment, 40-year condominiums down payment from 50%;

3.Bank mortgage loan term: 70 years, the maximum mortgage term is 30 years, and the maximum mortgage term is 10 years for 40-year apartments;

Provident fund loans can be applied for annual property ownership apartments, and provident fund loans cannot be applied for 40-year property ownership apartments;

Water, electricity, heating, and broadband are charged according to civil standards for annual property rights apartments, and water, electricity, heating, and broadband for 40-year property rights apartments are charged according to commercial standards;

Taxes and fees paid for annual condominiums**: 5% VAT on the difference in price (exempted for more than 2 years) and 1% personal income tax for resale within 2 years; The deed tax must be paid in full.

Taxes and fees paid at the time of 40-year condominium**: two tax collection methods are optional: (1) full amount; (2) The price difference includes 30% value-added tax, 20% personal income tax and business tax; The deed tax is 4% of the total amount.

Hope the above is helpful to you.

The 40-year title is an apartment, and the 70-year title is a real residence, and the main differences are:1The tenure of property rights is different; 2.

The loan conditions are different, and you can apply for a CPF loan and a housing mortgage for a house, but not for a condominium.

1. For commercial houses, the land use period is 40 years (some 50 years). Residential houses with a land tenure of 70 years.

2. The taxes and fees paid for commercial houses and land transfer fees are higher than those for residential buildings.

3. Provident fund loans cannot be used for commercial houses.

4. Use of water and electricity: Commercial houses are charged according to commercial water and electricity standards, which are higher.

5. Settle down to go to school: Commercial houses cannot be settled down, and school districts are not divided.

2. The meaning of housing property rights There are two meanings of housing property rights, one is the ownership of the house, and the other is the land use right that everyone usually refers to, and the property right of the house is specifically divided according to the nature of the land where it is located. The ownership of land belongs to the state, and individual owners only have the right to use the land, but have no ownership, and the land use right is the land use right transferred by the state to organizations, institutions and individuals. The tenure period of land for civil residential use is up to 70 years, for industrial building land and comprehensive land for up to 50 years, and for commercial building land up to 40 years.

3. Disposal after the expiration of the property right period.

According to the provisions of the Property Law, if the time of the right to use residential construction land expires, it can be automatically renewed. In other words, if the purchase is a residential house with a 70-year property right, if the land user needs to continue to use it, he or she should apply for renewal at the latest one year before the expiration, pay the land transfer fee, and sign a new land use right transfer contract.

In addition to the 70-year property right of residential nature, which has a prescribed method of disposal after the expiration of the property right period, other houses with different years of property rights, that is, the renewal of the term of the right to use non-residential construction land, shall be handled in accordance with the law. At present, there is no specific standard for how to deal with the expiration of 40-year property rights.

40-year property right means that you can live for about 30 years, not for a lifetime, but for 70 years, you can live for a lifetime.

Apartments are generally commercial land, and the property right is 40 years, which means that after 40 years, if the state needs it, the land can be recovered. The house with 70-year property right is residential land, and the general house is lifelong, and the land use tax can be renewed when the land expires.

Of course, the difference is that the 40-year property right is only limited to 40 years, and the right to use is 70 years in the 70s, and the years of use are not the same.

The 40-year ownership of the apartments are non-zhu zha

At present, housing prices are basically at a high level, and various purchase restrictions are frequent, all kinds of apartment types are popular in the market, apartment units are generally 40 years of property rights, and ordinary houses are 70 years of property rights, so what is the difference between 40 years of apartment property rights and 70 years of ordinary houses?

1. Nature of land use.

For apartment units with 40-year property rights, the land use right is 40-year commercial land nature; The 70-year property right is for ordinary residences, and the land use right is 70 years.

2. Proportion of bank mortgage loans.

The 40-year property right is commercial land, and only commercial loans can be used, and the loan amount is less than 50%; The 70-year property right is ordinary residential land, which can use two loan methods: commercial and provident fund, and can enjoy the state's loan policy of up to 80%.

3. The term of the bank mortgage loan.

Commercial land with 40-year property rights, with a maximum loan term of 10 years; Ordinary residential land with a 70-year tenure can support a maximum loan term of 30 years.

4. The cost of living is different.

Commercial land with 40-year property rights is charged according to commercial standards for the use of water, electricity, gas, heating, etc., which is about twice that of ordinary civil use; 70-year-old ordinary residential land can enjoy civil water, electricity, gas, heating**.

After reading the comparison, do you think it's a bit incredible, the difference is not just the 30-year difference in the right to use; There are also differences in transactions, specifically:

The difference between the transaction cost of a 40-year title and a 70-year title for an apartment.

1. Value-added tax.

The 40-year property right of the apartment is subject to 20% of the value-added part of the value-added tax at the time of sale, and the 70-year property right of the ordinary residence only needs to pay 5% of the value-added part of the value-added tax at the time of sale (and it is exempted for 5 years).

2. Business tax.

The 40-year property right of the apartment is subject to business tax on the total price of the house at the time of sale, and the sales of the 70-year property right of the ordinary house is not subject to business tax.

3. Deed tax. The 40-year property right of the apartment is subject to the deed tax of 3% of the total price of the house at the time of sale, and the deed tax of the 70-year property right of the ordinary house is paid according to the area of the house at the time of sale.

If it is an investment, you can choose a 40-year property right apartment, because the apartment is located in a good location, generally in the city center, whether it is a good choice for sale or rent; If you are independent, you may want to consider a 70-year-old ordinary house, because the cost of living is lower.

A house with a property right of 70 years, that is, a residence, can be settled in a rough sail, while a house with a property right of 40 or 50 years, although many of them can also meet the requirements of residence, but the nature of its land use determines that the house itself is still non-residential, so generally speaking, it cannot be settled, and the children cannot be divided into the corresponding school district and go to school nearby; At the same time, 40-year-old houses generally do not have gas. There are also a few differences:

The land use nature of the annual property condominium is actually residential, and the land use nature of the 40-year property right apartment is actually non-residential;

2.Bank mortgage loan down payment ratio: 70-year down payment for condominiums to enjoy residential treatment, 40-year condominiums down payment from 50%;

3.Bank mortgage loan term: 70 years, the maximum mortgage term is 30 years, and the maximum mortgage term is 10 years for 40-year apartments;

Provident fund loans can be applied for annual property ownership apartments, and provident fund loans cannot be applied for 40-year property ownership apartments;

Water, electricity, heating, and broadband are charged according to civil standards for annual property rights apartments, and water, electricity, heating, and broadband for 40-year property rights apartments are charged according to commercial standards;

Taxes and fees paid for annual condominiums**: 5% VAT on the difference in price (exempted for more than 2 years) and 1% personal income tax for the resale of the rock cover within 2 years; The deed tax must be paid in full.

Taxes and fees paid at the time of 40-year condominium**: two tax collection methods are optional: (1) full amount; (2) The price difference includes 30% value-added tax, 20% personal income tax and business tax; The deed tax is 4% of the total amount.