After reading it, I realized which apartment or house appreciates faster

Buying a house or an apartment, it's a difficult choice, some people choose to buy a house because the house is longer and the utility bills are cheaper, but some people will choose to buy an apartment because the apartment is more aesthetically pleasing and the loan threshold is low, so how to choose? Let's take a look at the disadvantages of buying an apartment first.

1. The land use period is short.

Compared with residential buildings, the land use of commercial apartments is mostly in the nature of "shopping malls", office buildings or hotels. Compared with the 70-year tenure of residential land, this type of commercial apartment has a land tenure of only 40 to 50 years depending on the type, and the commercial apartment land needs to pay a high land premium after the expiration of the land life to continue to use.

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

According to the policy, second-hand residential transactions can be exempted from LAT but commercial apartment transactions cannot be exempted. The levy of LAT generally implements a four-level progressive tax rate of excess rate according to the level of the value-added amount of the transferred land, that is, according to the level of the value-added amount, the tax rate of 30% and only 60% of the value-added part is levied. In addition, there is a business tax levied on the total transaction price of the property, which usually adds up to 10% to 14% of the total transaction price.

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

Although commercial condominiums 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 10 years, and they cannot apply for provident fund mortgages with lower interest rates. At present, the interest rate of commercial project loans is generally multiple to multiple of the benchmark interest rate, while the interest rate of residential loans is mostly floating, and the interest expense of apartments is much higher than that of residential buildings, which is not cost-effective.

4. Management fees, water and electricity bills are more expensive.

Condominiums are much more expensive than condominiums and utilities because condominiums are charged at the rate of commercial utilities. For example, if the water and sewage treatment fee for residential property is 2 yuan cubic meter, the water charge standard for commercial property will reach 4 yuan cubic meter; The electricity charge for a house is RMB, and the electricity charge for an apartment may be 1 RMB. In addition, the management fee of commercial apartments is generally 3 to 10 yuan per square meter per month, which is much higher than the 1 to 4 yuan per square meter per month of ordinary residences.

5. You can't enter the house without a degree.

Although many commercial apartments are located in the core of the city and there are famous schools nearby, they cannot be admitted to the school because they cannot settle down, which will greatly reduce the profits of the old city property that has always been favored by the market with the advantage of a famous school degree.

The above was released on 2016-12-16, the current relevant housing purchase policy is subject to the actual situation).

Happiness Garden is a three-bedroom unit with a construction area of 111-113 for sale, ** located in Building 57, 9 floors, 2 ladders and 4 households, and the rough price is 7500 yuan.

Apartments and houses have their own advantages, and houses are divided into rigid type and improved type. The rigid type usually refers to the first 2 or 3 bedroom house that has to be bought, and the improved type usually refers to 2 or more large houses, such as large flats, bungalows, villas, etc. People who are usually suitable for buying an apartment are divided into:

1. If you don't have enough funds to buy a house in Chongqing, some apartments support three no loans.

2. If a single person or a couple who works in Chongqing and need a place to settle down, the apartment can be used as a transitional stage, and the apartment will be relatively more comfortable to live in. 3. The apartment area is small and the total price is low, and the investment risk and pressure are smaller than buying a house. 4. The same budget wants better supporting facilities, such as transportation, business, etc., and the location of the apartment is usually convenient and relatively good in a location.

If the family is overpopulated and you need to live together all year round and are in a hurry, it is recommended to buy a house.

Whether it is investment or self-occupation, whether it is buying a house or an apartment, it is better to buy sooner rather than later.

I wish you to buy your favorite house as soon as possible, and on the way to buy a house, Juli will accompany you all the way.

Is it better to buy an apartment or a residential house?

Buying a house or an apartment, it's a difficult choice, some people choose to buy a house because the house is longer and the utility bills are cheaper, but some people will choose to buy an apartment because the apartment is more aesthetically pleasing and the loan threshold is low, so how to choose?

1.Condominiums are generally commercial housing, and the tenure of the land certificate is only 40 years, which is much shorter than the 70-year term of the residence.

2.The electricity and water bills of the apartment are based on commercial **, which is higher than the water and electricity of the residence**, the cost of living is higher, and it will not be connected to natural gas Generally speaking, it is electricity, and the living experience is poor.

3.In the case of an investment, the transfer tax for a condominium is much greater than that for a residential building, and the transaction costs are higher4You can't apply for a housing mortgage loan, let alone a provident fund loan, you can only apply for a consumer loan, and the minimum down payment is 40%, and you can't enjoy the preferential interest rate of the housing loan.

Buying an apartment is not a particularly cost-effective thing to do, and now buy an apartment.

may not have much room for appreciation in the future.

I believe that many people will consider buying an apartment when buying a house, especially the sale of some real estate will tell buyers the advantages of apartments, such as apartments are not limited to purchase and loans, including buying apartments can also be placed there to collect rent, plus many people are very good for apartments, and will feel that the existence of apartments is actually to meet a person's best fantasy of life. And there are some young people who may not have much money to consider the down payment will first think about buying an apartment and then buying a house after the transition, but it is important to understand that the reality is more cruel, because the appreciation space of the apartment is relatively small, you may buy an apartment now, sell it in a few years, and the house you want to buy has risen a lot, and the lawyer has a commercial nature, and all the water and electricity bills are in accordance with the commercial ** to collect, so after buying an apartment, the money spent in the later stage is also very much, and many apartments have certain problems with ventilation and lighting, because there will be dozens of households on the first floor.

Although there are many problems with apartments, in the eyes of some people, they will feel that apartments will still have certain investment opportunities, especially some people who have idle funds in their hands will consider buying apartments to earn a part of the rent. Therefore, if you really want to buy an apartment, it is best not to choose a cost-effective apartment, like this kind of apartment is not very suitable for investment, as far as possible to choose an apartment in the commercial area or office area is more concentrated, like this will be chosen by a lot of white-collar workers, then it is unlikely to lose money.

Finally, if you have money in hand, it is recommended to buy a house, because housing is unlikely to lose money, and if you buy an apartment, the loss is still relatively large. Of course, for some single women, if they have money in their hands, buying an apartment to live in is also a very happy thing.

If you already have a house in your hand, then you can actually have a certain appreciation space when you buy an apartment, and most of them can be rented for ** in the range of 1600 to 2000 yuan.

It is also very good to buy an apartment, and there is also a certain room for appreciation, which is also more suitable.

Limited economic capacity is also a good choice, whether there is room for appreciation, this should be determined according to the location.

Today's home buyers are no longer just to meet their own living needs, but more about real estate investment. Apartments and houses are the most common types of houses at present, so which one appreciates faster than apartments or houses?Let's take a look!

In fact, the appreciation space of apartments and residences depends on the location of the house, that is, whether the transportation is convenient and whether the surrounding living facilities are perfect. If these conditions are met, there is a lot of room for natural appreciation. However, in general, the appreciation space of the residence is relatively large, one is the property right period is longer, the second is the geographical location is generally good, the third is the surrounding facilities are relatively complete, and the fourth is the shared area is smaller.

Compared with residential land, the land used to build apartments is often of a commercial nature, so the tenure of the house will be greatly discounted, generally in forty or fifty years. If the apartment is developed late, the property owner will use the property for more than 30 years, which can easily cause the house to appreciate less space. And after the property right expires, if you want to continue to use the apartment property, you need to pay a high fee.

The property tenure of residential buildings is generally 70 years, excluding the time of real estate development and construction, most of the property tenures are more than 60 years.

In addition, since the apartment is a commercial housing, the chain width area in the hall and corridor will be larger, which means that the shared area of the apartment will be more than that of the residential apartment. In this way, the usable area of the apartment becomes smaller, the functional area cannot be reasonably divided, and it is easy to feel depressed when living.

At the same time, whether the apartment appreciates or not is inextricably linked to the location of the real estate, that is, the apartment is more dependent on the location than the residence. If the apartment shed is in a good location, surrounded by various commercial circles, with complete living facilities, and close to the office building, there will inevitably be a lot of room for appreciation, on the contrary, the appreciation of the apartment is low. The residential, the surrounding living facilities and commercial and entertainment facilities are relatively perfect, so the appreciation space is still relatively large.

Finally, there is also a big difference between a house and an apartment in terms of loans. As a commercial use of apartments, you can only choose commercial loans, and the interest rate is naturally relatively high. However, CPF loans are available for residential properties, which have lower interest rates and longer mortgage terms. Lucky Sakura.

Hope the above, helpful.

Housing and apartments are two of the most popular forms of housing, and housing and apartments are good in their own way, so buying a home or buying an apartment makes it difficult for people to choose. So which one appreciates the most, a house or an apartment? Let's take a look!

It is difficult to determine which of the houses or apartments appreciates the most, because the houses and apartments have their own advantages. In fact, the appreciation space of the house mainly depends on the location, whether the location is in the prosperous place is very important, in general, the appreciation space of the house with a good location is greater.

What is the difference between a house and an apartment.

1. The term of property rights is different.

The tenure of commercial apartments is only 40-50 years, while that of residential land is 70 years, so there is a big difference in the tenure of the two.

2. The charging standards for water and electricity are different.

Residential buildings are civil, and water and electricity bills are charged according to the standard, while apartments are commercial, and water and electricity bills must be charged according to commercial standards. In the long run, residential utilities are much cheaper than condominiums.

3. The living comfort is different.

Residences are generally two ladders, three or four households, with few personnel and good privacy, while most of the apartments are two ladders and ten households, with many and miscellaneous personnel, and security and privacy cannot be guaranteed.

4. The lighting conditions are different.

The bathroom and kitchen of the apartment basically have no windows, and they are internal balconies, and the lighting conditions are poor, empty but the residence has a bright kitchen and a bright bathroom, and the lighting conditions are better than the apartment.

5. The regulations for solving the household registration are different.

From the perspective of hukou, the apartment is a commercial land, which cannot solve the hukou problem, and as long as the house meets the conditions, the buyer can go through the hukou procedures.

6. Interest rates and down payments are different.

If you take out a loan to buy an apartment, you need to follow the business rules, with a down payment of 50% and a higher interest rate. The down payment ratio for a home is only 20%, and the down payment will be much lower.

7. Buyers.

The people who buy apartments are generally financially powerful and have higher requirements for housing, so apartments are generally located in prosperous areas, with complete supporting facilities and relatively large value-added space.

If you are a young person who wants to live a personalized and modern life, like to be independent and have a certain financial ability, you can consider buying an apartment as a transitional housing. If you are buying a house to meet the needs of ordinary families, an apartment is not the best choice, and it is recommended that you buy a regular house. Let's analyze the reasons for this.

1. The term of property rights.

Condominiums can be broadly divided into three types, namely ordinary apartments, business apartments, and serviced apartments. Among them, the nature of the land for ordinary apartments is residential land, and the property right is 70 years; The nature of the land for the business apartment is a comprehensive land, and the property right is 40 or 50 years; The nature of the land for the serviced apartments is commercial and the property rights are 40 years. However, the nature of the land used for ordinary houses is residential land, and the property right is 70 years.

2. Housing loans.

Apartments are non-ordinary residences and are generally unlimited. If you buy an ordinary house, there are usually many restrictions, such as the need to submit social security or individual income tax certificates.

3. Settlement requirements.

Except for special regulations in some cities, as long as the area or total price of the house meets the standard, or you meet the local regulations, you can usually settle down. However, apartments cannot be settled, only ordinary apartments with 70-year property rights can be settled, but you also need to meet the corresponding conditions. If they can't settle down, families with school-age children will not be able to enjoy nearby schooling, no matter how close the property they buy to the school.

4. Payment standard.

Apartments with 40-year or 50-year property rights can not use open flames, no gas, only induction cookers can be used for cooking, and it is commercial electricity and water, the cost of living is high, and the property fee is relatively expensive, generally more than 4 yuan per square meter. Ordinary houses are for the people's water and electricity, and the property fees are relatively cheap.

5. House design.

The apartment area is relatively small, there is no particularly obvious functional zoning, and most of them are well-decorated houses. The unit size of the ordinary house is moderate, and the functional zoning is obvious, which conforms to the "Residential Design Code".

6. Number of households.

Due to the small size of each apartment, there are many households living on each floor, usually more than 10 households, and many residents are door-to-door, and privacy is not guaranteed. Ordinary houses are generally two ladders of four or five households, or they may be one ladder and two households.

7. Payment of taxes and fees.

Apartments and houses are subject to different taxes, with the former paying more taxes than the latter. Take individual income tax as an example, if you meet the requirements of the family's only residence and the purchase time is more than five years, you are exempt from paying individual income tax, but if it is an apartment, you have to pay individual income tax no matter what the situation.

8. Lighting conditions.

Some business apartments have no windows in the bathroom and kitchen, and the balcony is also an internal balcony, so the lighting conditions are not very good. According to the provisions of the "Residential Building Design Code", the residence must meet the relevant conditions such as sunshine and lighting, so most of today's residences are bright kitchens and bathrooms, and the lighting conditions are naturally better than apartments.

To sum up: personal small investment, ** transition can choose apartment, long-term residence choice housing is better, I hope it will be useful to you, thank you.