Is commercial housing loft apartment worth buying?

Nine advantages of buying a loft apartment, do you dare to say who buys who regrets it?

Commercial and residential apartments are originally commercial land, engaged in office, office buildings, business exchanges, shopping malls trading, hotel hospitality activities, that came to settle down to go to school, the implementation of commercial water and electricity, no natural gas heating, cooking with induction cooker, heating with air conditioning, to pull the word residential apartment, and then 70 years of property rights automatic renewal, 40 years of property rights payment renewal, you have to pay money once you don't retire, many commercial housing built up with 30 years of property rights, buy when you know, don't play any law not to blame the public, Gambling on compensation for demolition.

Advantages of commercial housing:

1. No purchase limit.

The greater advantage of commercial housing is that there is no restriction on purchase, which is the reason why many consumers choose it. Buyers in restricted cities do not need to consider their own qualifications, and commercial housing does not occupy the quota for buying a house, and is not subject to the first home.

Second, the area is small and the total price is low.

The unit price of commercial housing is often not cheap, and sometimes it is slightly higher than the unit price of the same project, but due to the small size of a single unit, the total price will be much lower, which is very suitable for young people who have just started working for transitional housing.

Third, the role is flexible.

The design of commercial and residential units is relatively flexible, and there is a lot of space for renovation design during decoration, plus residential and office buildings, and the later stage is wider than both the first and the rental market.

Fourth, the location is convenient.

Compared with buying a residential property, choosing commercial housing can often buy a property with a better regional location with the same or lower **, due to the location and supporting advantages, commercial housing is relatively convenient to travel, and the appreciation space is also ideal.

Disadvantages of commercial housing:

1. Term of property rights.

The property rights of commercial housing are generally only 40 or 50 years, and after the expiration of the right to use, the "land use right for non-residential construction land" cannot be automatically renewed. Therefore, compared with ordinary housing, the hidden cost of commercial and residential housing is actually very high.

2. You can't settle down.

For groups that urgently need to buy a house and settle down, commercial housing is also not suitable for consideration, most of the commercial housing cannot move into the hukou, and for families with school-age children, no matter how close the purchased property is to the school, they cannot enjoy the nearest school.

Third, the cost of living is high.

Most of the water and electricity in commercial housing are commercial standards, and the property fee is much higher than that of residential projects, if it is a large family to move in, the extra cost of living must be calculated in advance.

Four: Residential experience.

Most of the residential buildings are slab buildings, while most of the commercial buildings are mainly towers, which are slightly insufficient compared to the ventilation and lighting conditions.

Five: Loans are restricted.

Commercial housing cannot enjoy the tax incentives of ordinary commercial housing, the down payment needs to be about 50%, and the loan term is higher than 10 years, and the loan interest rate is times that of ordinary housing, and it cannot apply for provident fund loans.

The disadvantages are as follows:1Commercial hydropower (**high)2 The age of property rights is relatively small.

3 Safety issuesThe characteristics of loft house type and space isolation are fashionable for young people, but the stairs of the duplex structure of upper and lower layers are generally steep, which is not suitable for the elderly and children. 4. The height of the 4th floor is easy to feel depressed after decoration. 5 Sound insulation problem 6 Lighting problem.

In my personal opinion, the investment can not be suitable for living, after all, the total price of the house is 400,000 to 500,000 is better than to buy a 70-year home.

Hello, the advantages of loft:

First, compared with apartment-style cells, lofts are a taller, more spacious three-dimensional space.

Second, work and residence are not separated and can be realized in the same large space. It can be both a home and a studio.

Loft in English means loft or tall building with a large space under the roof. Originally a space to live and work, it was favored by American artists and designers. In the 50s of the 19th century, this kind of tall space and a variety of possible uses attracted a large number of artists, and then gradually attracted the followers of art, so that loft and art have formed an indissoluble bond.

Answer: Advantages 1, high floor height, strong plasticity 2, space isolation, good privacy 3, cost-effective but also disadvantages: 1, commercial hydropower (** high) 2, property rights 3, security 4, floor height 5, sound insulation 6, lighting problems.

Commercial and residential apartments are originally commercial land, engaged in office, office buildings, business exchanges, shopping malls trading, hotel hospitality activities, that came to settle down to go to school, the implementation of commercial water and electricity, no natural gas heating, cooking with induction cooker, heating with air conditioning, to pull the word residential apartment, and then 70 years of property rights automatic renewal, 40 years of property rights payment renewal, you have to pay money once you don't retire, many commercial housing built up with 30 years of property rights, buy when you know, don't play any law not to blame the public, Gambling on compensation for demolition.

Loft apartments are not worth buying for the following reasons:

1. The height of the floor is easy to shrink, although many floors are 5 meters high, it is uncomfortable to live in, too depressing, and the first floor is not like a layer;

Second, the upper and lower layers, the movement and the static are separated, which is fashionable enough for young people, but the staircase with double-layer duplex structure is inconvenient for the elderly and children;

Third, the decoration is expensive, upstairs and downstairs, there are more details, and the space layout is laborious and costly.

Fourth, this kind of structure, because the mezzanine is a steel structure, the sound insulation effect is poor, and the lighting is not good, because there is no balcony, it is difficult to solve the problem of drying, and the living comfort is poor.

Difference Between Apartment and House

1. The land use period is short.

Compared with residential buildings, apartment land use is mostly commercial in nature. Compared to 70 years for residential land, this type of land has a service life of only 40 years. At this stage, according to the provisions of the Civil Code, if the right to use land for residential construction expires, it will be automatically renewed.

There is no clear statement on commercial land. However, if it is demolished, in accordance with the relevant provisions of the Administrative Measures for Urban Demolition and Relocation Compensation, the compensation fund for the demolition of commercial land is higher than that of ordinary residential buildings. The compensation area for commercial demolition is 1 to 3, and the compensation area for residential land is 1 to 1.

In the long run, the renewal of commercial land can also be clearly confirmed, if you want to buy an apartment, buy an apartment to be demolished 1 loss 3 is still quite a large profit margin.

2. It is difficult to trade with high taxes and fees.

Generally, the tax paid for the second-hand house of the apartment is 5% more than that of the house. Of course, this is all from the buyer, but the high cost also restricts the change of hands.

3. The mortgage interest rate is high and the term is short.

Although commercial apartments are not affected by the residential purchase restriction order and loan restriction order, because they are commercial properties, they can only be approved for loans with a maximum tenor of 50% and a maximum of 10 years, and they cannot apply for provident fund housing loans with lower interest rates. At present, the interest rate of condo loans for commercial land is generally multiple of the benchmark interest rate, and the interest expense of condominiums is much higher than that of residential buildings, so it is not cost-effective. The interest cost should be calculated into the purchase of the property, or a rational investment.

1. The floor is too low: depressed bai

The reason why most du people like loft is nothing more than because zhi buys one layer for it, and uses dao for the top two layers

It is equivalent to buying a special layer and getting one layer free. However, the loft apartment.

It is not a two-storey house in the traditional sense, it is just a two-storey house with a height of about two floors, if you remove the thickness of the middle partition, the first floor is only one meter, and the second floor is only 2 meters.

The height of the two floors is not high enough, not to mention that it will make the residents feel depressed, if the height of the residents is more than meters, it is estimated that the probability of head bumps is still relatively large.

Second, the moving line is unreasonable: too tired.

Although loft apartments are said to be two-storey, in fact, many lofts, the second floor is simply furnished with bedrooms, and the bathroom, living room, kitchen, and dining room are all on the first floor. This means that we have to run between upstairs and downstairs every day, not to mention that it will be tiring, and if there are elderly or pregnant women in the house, the danger will also increase.

3. Unreasonable spatial layout

1.The house type is not correct, and the ventilation and lighting are not good.

In order to maximize the use of space, developers usually place several units on all four sides of a house, which also results in many loft units with poor orientation, insufficient ventilation and lighting.

Loft apartments have the following advantages.

1.It belongs to the small house, ** is relatively cheap, taking Ningbo du urban area as an example, according to the urban area of 30 minutes drive dao 40 square meters apartment only 40-500,000 yuan.

2.The advantage of floor height, the actual usable area is doubled, the housing space is larger, and the actual usable apartment of 40 square meters will reach 80 square meters.

Since the first floor of the loft apartment is used as two floors, if the upper and lower floors are completely separated, the height of each floor will become smaller, and the life is more depressing.

As a direct inheritance of the "warehouse" style of loft, loft is mostly 30-50 square meters, with a floor height of about one meter, loft has a unique ceiling height so that the sale is only calculated according to the construction area of one floor, but the actual use area can reach 2 times the sales area.

In addition to the bathroom, the loft type has almost no wall partitions, and can be freely decorated, which is probably why this type of house is popular with young people.

Loft apartment, with its own character!

As for whether this type of apartment is worth buying, different people have different interpretations.

Loved the interior of this type of apartment.

structure, and people who are comfortable with the house price are willing to buy.

If you don't like this type of apartment structure and are not satisfied with the price of the apartment, you will not want to buy it.

The biggest disadvantage of this type of apartment is its small size and ......People who want to live in a big house definitely don't like this type of apartment.

Therefore, personal will is the most important.

Go and see the house and see if it fits your needs......After reading it, you know it in your heart, and you will naturally know how to choose.

aqui te amo。

Cons of loft apartments.

1) 40-year property rights, low appreciation space.

According to the latest provisions of the Property Law, if the term of the right to use land for residential construction expires, it shall be automatically renewed, and the renewal after the expiration of the right to use land for non-residential construction shall be handled in accordance with the provisions of the law. In other words, the 40-year property right commercial loft apartment period expires and needs to pay the land transfer fee, as for how and how much to pay, it is still unknown. In addition, compared to the residence, the appreciation of the loft apartment is low, when you want to change the house in a few years, you find that the surrounding housing prices have risen by 200%, and the loft in your hand has only increased by 20%, this feeling is self-evident.

2) Cannot be settled.

As we all know, commercial apartments are not allowed to settle down, nor can they enjoy the degree housing in the area.

3) Large shared area.

The shared area of the duplex is larger than that of the flat floor. The high-rise of the flat floor is 20%, but the general duplex is about 26%, or even as high as 30%. As the shared area increases, the EFF decreases accordingly.

4) The down payment ratio is high, and the provident fund loan is not allowed.

The LOFT has a minimum down payment of 50%, a maximum loan term of 10 years, and cannot use a CPF loan, only a pure commercial loan.

5) High cost of living.

For commercial and residential loft apartments, water, coal, electricity and other expenses are billed according to commercial standards, and the property fee will be relatively high, which increases the cost of daily life.

6) The living environment is average.

Most of the lofts are commercial, and there are many people coming and going, privacy, noise, and even travel elevators are also areas to be considered; The stairs in the apartment are generally steep and narrow, which is not suitable for the elderly and children; Finally, the height of the loft apartment is meters to meters, and it has to be divided into two floors, the height of the upper and lower floors is relatively low, and it may appear that the upper floor cannot stand up to the waist, which is especially unfriendly to tall people.

After reading the shortcomings of the loft apartment, whether to buy it or not, self-occupation or investment, it depends on your own needs and conditions to consider.

Recently, I just saw a second-hand loft commercial and residential property rights ready to be used as a foothold in Shanghai, let's talk about the benefits first.

The loft apartment is not worth buying.

1. Commercial property rights.

Compared with residential property rights, commercial property rights have a smaller tenure, usually only 40 or 50 years of property rights, and the way to pay the land transfer fee at the end of the term is unknown. The apartment cannot be settled, and naturally it will not have a school district qualification. There is little room for appreciation in the value of the apartment, and the transaction cost is high.

2. The cost of living is high.

Due to the commercial nature, most of the loft apartments will not be connected to gas, and water and electricity are commercial charges, which are more expensive than civil charges. Strata fees are also usually higher than residential properties, and vary from developer to developer.

3. The down payment ratio is high and the loan term is small.

Commercial apartments have a minimum down payment of 50% and a maximum loan tenure of 10 years, and the loan can only be used for commercial loans.

4. The living environment is complex.

There are many residents on the same floor of the loft apartment building, some of them are office, some are self-occupied, and some are rented, and the flow of people is large and the privacy is poor.

Suitable for people who buy lofts.

**Low, small, avant-garde and fashionable lofts are obviously not suitable for everyone, and are more suitable for the following groups of people:

1. People who work in different places. Due to the restrictions of the purchase restriction policy, loft is very suitable for young people who are working outside the home to live in transition, and will not occupy the qualification of the first home.

2. Investors with funds. The loft is well decorated, you can rent it out or use it for your own office.

3. Single or small couples transition. The loft area is not large and the upper and lower structures are not suitable for children and the elderly to live for a long time, and it is suitable for single people or small couples to live in transition, which is comfortable and comfortable.