Why it is not recommended to buy commercial housing Here s why

Because of the rumors of Beijing's purchase restrictions, the popularity of commercial housing has skyrocketed, but there are many defects in commercial housing itself, and it is necessary to be very cautious when buying commercial housing.

Commercial housing is essentially a gray product, and its land is non-residential land, and the real estate certificate also indicates the property rights of commercial and office properties. This characteristic is destined to have a lot of risks and drawbacks in commercial housing.

We have sorted out the following, there are at least the following 11 problems in commercial housing:

1. The supporting facilities of commercial housing are worse than ordinary residences, and developers generally introduce schools, kindergartens and other supporting facilities for ordinary residences in order to promote sales, but commercial and residential projects generally do not have this kind of treatment. Even if the project is a mixed commercial and residential project, the owner of the commercial and residential property is not entitled to the admission of his children.

2. The land use period of commercial housing is mostly 40-50 years, which is 20-30 years less than that of ordinary housing. This natural defect makes the secondary sales of commercial housing face an embarrassing situation. Because since the issue of land use in Lucheng, Wenzhou, has been **, almost all buyers have paid attention to the land use period.

3. Commercial and housing loans are stressful, you can borrow for up to 10 years, the down payment must be 50%, and the interest rate is not preferential, but also has to rise by 10% on the basis of the benchmark interest rate.

4. First-hand commercial housing does not enjoy tax exemption and exemption, and second-hand commercial housing not only does not enjoy policies such as "full five unique", but also compulsory collection of value-added tax, and higher transaction costs.

5. Some commercial and residential buildings can win water and electricity, but even so, the expenses such as property fees and heating fees will still be implemented according to commercial standards.

6. Don't expect to settle down when you buy a businessman's house.

7. There is no gas in commercial housing, and electricity is very expensive, which further increases the cost of living.

8. Buyers who choose to live in commercial housing should accept the mixed state of office, catering, retail and other personnel. And every time the population density is very large, the travel and living experience is not good.

9. There is basically no owners' committee for commercial housing, and once there is a problem, you can only defend your rights by yourself, and your strength is weak!

Therefore, when developers boast of commercial housing "unlimited purchase, no loan, fine decoration and bag occupancy", we should give more consideration and don't be fooled.

The above was released on 2017-07-21, the current relevant housing purchase policy is subject to the actual situation).

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Why can't I buy commercial housing?

Judging whether a commercial house can be bought mainly depends on these three points.

1. The location of commercial housing.

For a house, location is always its unshakable soul, and it is irreplaceable by other factors, in short, location is the most important factor to consider when buying a house. Why? The reason is also very simple, just imagine, in the current market, the types of housing are rich, and the housing ** is also unlimited, but the location is indeed limited, and the significance of high-quality location is irreplaceable.

You can go to the real estate market to observe, generally speaking, in the market, houses with good locations, let alone apartments, even if they are old and small, are quite sought-after in the real estate market. Therefore, if you choose a commercial property that happens to be located in the heart of a busy city, then it is certainly worth buying this apartment as long as the financial conditions allow.

In addition, it is impossible to evaluate the commercial housing in a good location, but one thing can be confirmed is that even if you don't live in it, you don't have to worry about renting or reselling, and this type of commercial housing has a large upside.

2. Whether commercial housing can be settled.

Do you think that commercial housing must not be allowed to enter the house? In fact, some places now also allow commercial housing to enter the household, so when choosing commercial housing, we must pay attention to this point. In addition, the reason why many people choose to buy a house now is because buying a house is related to the problem of entering the household, especially the problem of children's education in the future, if they cannot enter the house, it will have an impact.

At present, the real estate market is not very good, therefore, in order to attract buyers to buy houses, many commercial housing has the qualifications to enter the household, if the selected apartment can be entered, it is not necessary to buy commercial housing.

3. Quality supporting facilities for commercial housing.

In the final analysis, buying a house is for self-occupation, of course, in addition to the rich, the rich buy a house purely because they have money and no place to spend, so that ordinary buyers must pay more attention to the quality of the house when buying a house. The quality of the housing itself and the housing facilities are very important, and the water and electricity property fees of commercial housing are much higher than those of ordinary commercial housing.

Therefore, in such a situation, the quality of commercial housing and property supporting facilities are more important. Originally, the housing prices of commercial housing were much cheaper, and if commercial housing has higher quality of property service and better surrounding facilities, it is equivalent to spending less money to live in a high-end community, this kind of commercial housing is also worth buying.

For a family, housing is relatively important, so that it can also provide a better living environment for the family, when it comes to commercial and residential buildings, I believe we also have a certain understanding, different nature of the house ** is different, the difference between the two is relatively large. So what is the difference between a commercial and residential building? What is a commercial and residential building?

Advantages of commercial and residential properties:

Mainly small apartments, with an area of 40-80 square meters, the total price is relatively low; The construction standards of civil air defense and fire protection are relatively high; Another important reason is that it is not limited to purchase.

Disadvantages of commercial housing:

1. High down payment and high loan interest rate.

The down payment ratio of commercial housing should be at least 45%, the loan term should not exceed 10 years, the interest rate should be equivalent to multiple of the interest rate of the same grade in the same period, and provident fund loans cannot be used.

2. The cost of living is relatively high.

Because the property management fee, water and electricity fees are all in accordance with the standard of commercial housing, the cost of living is much higher than that of ordinary housing; Moreover, some commercial and residential buildings prohibit the use of gas due to building safety regulations, which will bring a lot of inconvenience to ordinary life.

3. The term of land use right is short.

The 50-year tenure is certainly less than the 70-year tenure of a dwelling.

4. High residential density.

Most of the houses have 2 to 4 households on the first floor, and there are rarely more than 4 households, but the first floor of commercial houses can reach more than 6-20 households.

Why can't I buy commercial housing?

Hehe, the difference between 70-year property rights and 40-year commercial and residential property rights is too big. The most important thing is that you think that it is very difficult to sell this commercial house (because you can't transfer your hukou), and the cost of living is high due to commercial water and commercial electricity, unless you are really short of money to buy a house, it is not recommended to buy a commercial house.

1. Commercial housing with complete five certificates can be purchased with confidence, there is nothing wrong with it, the land use right of commercial housing is 40 years, and the residential housing is 70 years.

2. In accordance with the provisions of the "Interim Regulations of the People's Republic of China on the Assignment and Transfer of Urban State-owned Use Rights", it is divided into 40 years, 50 years or 70 years. The maximum term of land use right transfer for residential land is 70 years, and the land transfer fee can be repaid after the expiration of the term, and the land use right can be obtained again.

3. According to Article 149 of the Property Law of the People's Republic of China, "if the term of the right to use land for residential construction expires, it shall be automatically renewed".

Fourth, People's Daily Online.

If you can buy it, 40 years from now, who knows.

It is important that by buying this commercial housing now, you can have a place to live, and the housing is market-oriented.

It's only been a few years.

Commercial housing can be bought, commercial housing (apartment) has almost no greenery and children's activity area, generally there will be a shared terrace every few floors for everyone to move, but it is estimated that it will become an area for stacking waste and parking bicycles in the later stage.

When the conditions for the review of the purchase of a house in Beijing, the real estate of the commercial project to be converted into a residential property is not included in the family real estate assessment. In other words, a Beijing family that already has two houses can buy a commercial or residential property. Non-Beijing families, regardless of whether they meet the tax or social security conditions, can buy commercial housing.

Commercial housing (apartment) 50 years of property rights, after the expiration of property rights, to pay the state land transfer money, how to renew, is unknown, because the apartment form of the house has not yet expired. Pure residential property rights for 70 years, pay a certain fee, and automatically renew after expiration.

The term of the land use right, if it is 40 years, is a commercial and residential house, and the down payment is made according to the interest rate of the commercial real estate loan (the minimum is 10%); If it is 70 years old, it is a residence, according to the residential mortgage interest rate (up to 30%), and the down payment is 20% (for the first unit).

Can be bought.

There are the following differences between commercial housing and ordinary housing:

1. The term of property rights is not 70 years, but 50 years;

2. Have a property certificate, but you can't settle down, and you can't apply for a residence permit;

3. The cost of water and electricity is almost twice the cost of ordinary housing;

4. Commercial housing (apartment) has a high living density, and the living comfort is lower than that of ordinary housing.

5. There is no limit to purchase and no loan, mostly for investment.

It is possible to buy. Commercial housing is distinguished from ordinary residential housing in the following points:

The term of property rights is not 70 years, but 40 years;

Have a property certificate, but you can't settle down, and you can't apply for a residence permit;

The cost of water and electricity is almost twice that of an ordinary house*;

**When the down payment must be 5%, no provident fund loan, only pure commercial loan, and only 15 years;

There is no limit to purchase or loan, mostly for investment;

When you're ready to buy a commercial home, people around you may suggest that it's best not to buy it, but what is the main reason? Today we will talk about 5 disadvantages of commercial housing.

Is it appropriate to buy commercial housing? What are the characteristics of commercial housing compared to pure housing? Many buyers have little understanding of this problem, and today Fang Tianxia will share relevant knowledge with you, hoping to give you practical help.

Many buyers are forced to choose commercial housing because of the problem of housing qualifications, commercial housing can fill the housing needs of a part of the home buyers, and the following points need to be understood before buying commercial housing:

1. Commercial housing cannot be settled

Whether you can settle down is the most concerned by many buyers, but the reality is that commercial housing can not be settled, can only temporarily give you a place to stay, if you buy a house to settle down, or choose to buy a 70-year property rights of pure residential property.

2. The term of property right is shorter than that of pure residence

There is still no accurate statement on what to do with the expiration of the property right period, and on this issue, commercial housing is obviously less dominant, spending a huge amount of money but only 40 years of property rights. Taking a step back, even if the land transfer fee can be paid back at that time, how big is this money?

3. The cost of living is higher

The water and electricity property fees of commercial and residential buildings are much higher than those of pure residential water and electricity in 70 years, and some commercial houses even have no gas, so they can only use induction cookers for cooking and water heaters for bathing.

4. Provident fund cannot be used

As we all know, CPF loans have lower interest rates than commercial loans, and choosing CPF loans can save a lot of money for buying a house, but a big inconvenience of buying commercial housing is that you can't use CPF. It is also important to understand that the minimum down payment ratio for commercial properties is 50%, which is very demanding for home buyers.

However, commercial housing also has its own advantages, compared with pure housing, commercial housing is not limited to purchase, which is why many people choose to buy commercial housing. In cities like Beijing and Shanghai, you need to pay social security for 5 consecutive years to qualify for buying a house, while buying commercial housing is not so troublesome.

The above was published on 2016-05-24, the current relevant housing purchase policy is subject to the actual situation).