Is it better to buy a commercial or ordinary residence?

Commercial housing is good, commercial housing "Even if you want to buy for investment purposes, the increase in housing prices and liquidity are not as good as ordinary housing." If you really want to buy, it is best to choose commercial housing with high rental returns, high residential value and high scarcity. ”

Commercial housing is generally developed from commercial land, while residential land is developed on residential land, and there is a difference in land nature between the two, which is also the essential difference between the two. This determines the risks of commercial housing in the following aspects:

First, the property right period is short. Commercial housing has a property tenure of 40 years, while residential property ownership is 70 years, and it is clear that commercial housing has a shorter tenure of ownership.

Second, low financial leverage. Commercial housing can only be loaned, the minimum down payment ratio is 5 percent, and the loan term is generally not more than 10 years, and the loan interest rate is generally 10% above the benchmark, and the overall loan repayment pressure is relatively large.

Residential loans can be used for commercial loans or provident fund loans, with a minimum down payment ratio of 30%, a maximum loan term of 30 years, a minimum interest rate of the first home loan can reach the benchmark interest rate, and the interest rate of the provident fund loan is even lower.

Third, transaction taxes and fees are high. In addition to stamp duty, deed tax and value-added tax, there is also a difference of 20% of the individual income tax and a difference of 30% to 60% of the land value-added tax. It's much higher than a pure house.

For example, the deed tax of commercial housing is only 3%, while the deed tax of residential housing is between 1% and 3%. Residential individual income tax can be reduced or reduced by five years, while commercial housing is not exempted. Assuming that the commercial and residential apartments purchased by 2 million yuan are currently 2.8 million, the value has increased by 800,000 yuan, and the transaction tax will have to be paid 400,000 yuan, which is almost half of the increase.

Legal basis: Article 12 of the Interim Regulations of the People's Republic of China on the Assignment and Transfer of Urban State-owned Land Use Rights Article 12 The maximum term of land use right transfer shall be determined according to the following purposes: (1) 70 years for residential land; (2) 50 years of industrial land; (3) 50 years of land for education, science and technology, culture, health and sports (4) 40 years of land for commerce, tourism and entertainment; (5) Fifty years for comprehensive or other land use.

There are some differences between regular residential and commercial residential in terms of purchase, use, and transaction, and it is necessary to decide which type of housing to choose based on individual needs and circumstances.

1.Nature of land: Commercial residential buildings are usually commercial in nature, while residential buildings are developed on land of residential nature, and there is a clear difference in the nature of the land between the two.

2.Tenure: Commercial residential property tenure is usually shorter than residential property, generally 40 years, while residential property tenure is 70 years.

3.Loan conditions: Commercial residential can only use commercial loans, the down payment ratio is higher, usually 5%, the loan term is generally not more than 10 years, and the loan interest rate generally needs to be 10% above the benchmark interest rate, compared with the residential, the overall loan repayment pressure is greater.

4.Home price growth and liquidity: Commercial residential properties are generally inferior to residential in terms of house price growth and liquidity, and commercial residential properties with higher rental returns and residential values and higher scarcity may be relatively better when buying commercial homes.

To sum up, there are advantages and disadvantages to both ordinary residential and commercial residences, and you need to choose according to your personal needs and financial situation. For those who need to live for a long time or for investors who are looking for stable returns, a regular home may be a more desirable option; And those who are willing to take more risk and focus more on short-term returns may prefer commercial residential. Before choosing, it is advisable to make a detailed comparison of various types of housing and fully understand the market situation in order to make an informed decision.

Commercial and residential buildingsBecause of the relationship between property rights, commercial water and electricity, the total price will be cheaper than that of residential buildings.

The differences between commercial and residential buildings and residential buildings are:

1. The nature of the land is different: the land for residential buildings is generally residential land, and the land for commercial and residential buildings is generally comprehensive or other.

2. The service life of land is different: the service life of residential buildings is 70 years, and the service life of commercial and residential buildings is generally 50 or 40 years.

3. The purchase of residential buildings is restricted, and the purchase of commercial and residential buildings is not restricted.

From an investment point of view, retail investment is completely inferior to the return on residential investment.

Gao: It should have been like 10 years ago. Most people are for fixed assets.

The investment is basically a shop. It is rare to spend money on real estate, and it is basically a family that has a house, and few people will consider buying a second one. Or trade in the old for the new.

In other words, even if you want to buy another house, you will sell the old house and buy it again. The most popular sentence is "If you have 10,000 acres of fertile land, it is better to have a shop".

But with the development of the Internet, the real economy.

It is gradually being replaced by e-commerce. The real economy is becoming more and more sluggish. The investment value of the scene shops that have caused the real economy to occur is getting lower and lower.

Just like my family bought a shop in my hometown county town for 900,000 yuan in 07. But so far, there is basically nothing in the shop.

The annual rent is only 30,000 yuan. At the beginning, a house bought for 300,000 yuan at the same time has reached 800,000 yuan as of last year.

It is not recommended to buy commercial and residential properties for the following reasons:1. The cost of living of commercial housing is high: the cost of water and electricity for commercial housing is 2 times higher than that of ordinary residential housing, and the property fees and parking management fees of commercial housing are also implemented in accordance with commercial standards, and the charging standards are 2 or 3 times higher than that of ordinary residential housing;

2. The living environment of commercial housing: commercial housing generally adopts the design of two ladders and multiple households, and the lowest commercial housing is generally a small high-rise, the population density is very large, and the occupants are generally tenants or office spaces of some enterprises, and the living environment is messy and the safety factor is low;

3. Commercial housing cannot be settled and there is no degree;

4. The nature of the land for commercial housing belongs to commercial land, and the property right is 40 years, not 70 years, and the property right of ordinary residential housing can be renewed according to relevant regulations after expiration, while there are no relevant regulations for commercial housing, and the risk is relatively large.

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The difference between commercial housing and ordinary housing is mainly manifested in: the property right of commercial housing is usually 40 years, the property right of ordinary housing is 70 years, commercial housing is usually calculated according to commercial water and electricity, ordinary houses are generally calculated according to ordinary residents' water and electricity, commercial housing is difficult to settle down, ordinary housing is easy to settle down, commercial housing is commercial envy or comprehensive land, the expiration of the right of use will not be automatically renewed, ordinary houses are residential land, and the right of use will be automatically renewed after expiration.

1. Commercial and residential dual-use houses usually cannot be moved into the household registration, which means that there are good educational resources in the surrounding area, and children cannot go to school nearby due to household registration reasons.

2. The cost of living in commercial and residential housing is very high.

After the expiration of the 70-year property right, you can go to the relevant department to extend the term of the land use right. The specific process is that all homeowners can jointly apply and pay the full amount of land transfer money, which should be less than the ** of the same type of land transfer fee, which is similar to the difference between the cost price and the market price. For the expiration of the period of the right to use the land for residential construction, the relevant policies also stipulate that if the term of the right to use the land for residential construction expires, the fee will be automatically renewed, and the payment or reduction of the renewal fee shall be in accordance with the provisions of the relevant laws and regulations.

This also means that even if the purchased housing land use right expires, the homeowner only needs to renew the fee.

Commercial housing is not an apartment building, the so-called commercial residential housing is actually a residential building built on land that is commercial in nature. For example, many serviced apartments with property rights of 40 years or 50 years on the market belong to commercial residential buildings, but not all commercial residential properties belong to apartments, these are two concepts.

The above is about the difference between ordinary residential and commercial housing, the property right of ordinary residential houses is 70 years, but most of the property rights of commercial houses are 40 years, and the cost of living ordinary residential houses is smaller.

As for who is better, it depends on the buyer's own needs. If you want to live in it, choose a residential house, and if you are ready to invest in a shop, then you can choose a commercial house. Residential houses have high requirements for site selection, and the surrounding living facilities, transportation, and the quality of the house must be strictly controlled.

1. Different definitions. Commercial housing is divided into housing and commercial housing. Residential quarters refer to the housing that provides living services for employees, including villas, apartments, dormitories for employees' families, dormitories, dormitories, dormitories, etc.

Commercial housing, as the name suggests, is a type of residence that can be both lived in and used as a residence, such as commercial housing. There are two interpretations of commercial housing: one is as a shop, and the other is as a residence.

The second is that there are shops downstairs and commercial and residential buildings with general residences upstairs. Because the business environment is more mature than the excite, the living conditions are better, and the living conditions are better, therefore, many people will choose commercial housing to make money.

2. Differences in the number of years of property rights. Since the commercial and residential buildings are for commercial purposes, they cannot enjoy the 70-year residence period, so they only have the right to use for 50 years. For a 70-year pure house, a certain rent is paid, and the lease will be automatically renewed after expiration.

1. Pay attention to the attributes of the house. People who buy a house for the first time should pay attention to the attributes of the house, the general house has 70 years of property rights, and you can settle here after meeting the conditions, but after deducting the public share, the actual usable area is very small, the cost of buying a house is high, but the cost of living is more economical, and many floors of commercial housing are higher than the manuscript, the utilization rate is higher, the cost of buying a house is lower, but the cost of living is higher, and most of the urban commercial housing is not allowed to settle down.

2. Pay attention to the house certificate. Now there are high-rise buildings everywhere, and the number of new houses is also very large, when beginners buy a house, they must see whether the developer has five certificates and two copies, otherwise it will affect the future procedures.

The above is the answer to the question of whether it is better to buy a commercial or residential building or a residential building and related questions, I hope mine can satisfy you and provide you with some ideas for your problem.

1. The land use period is different

The land use period for commercial and residential buildings is 40-50 years; The land tenure of an ordinary house is 70 years. The main factor that can affect the term of housing property rights is the different nature of the land, the land use right has a term, and the state transfers the land in a fixed period, and the term of the transfer is different due to the different nature of the use of the land.

2. The nature of property rights is different.

Commercial residential buildings are non-ordinary residential buildings. Commercial and residential buildings are generally characterized by commercial outlets on the lower floor, and residential buildings on the upper floor. This is not generally the case for common stock residences.

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

Generally, the water, electricity, heating and other usage fees of commercial residential buildings will be taken by commercial **, and residential buildings will be charged according to civil **.

4. The share ratio is different.

Generally speaking, the design standards of the 40-year property right residential community are higher than that of the 70-year property right ordinary house, and the 40-year property right house has two stairs and foyers, which greatly increases the proportion of the shared area.

Developers can convert commercial buildings with high land construction costs into residential buildings**, mainly due to factors such as strong residential variability, low risk, fast sales speed, and short time to return funds. The standards for building houses for non-residential ones are different.

The differences between commercial housing and residential housing are as follows:Commercial housing, which can be lived in and worked by companies, is a new form of living that adapts to the development of first-tier cities and the development of young people's lives.

A product that can be both worked and lived in on a comprehensive site.

The property rights are different: 50 years of property rights for commercial houses, after the expiration of property rights, land transfer fees must be paid to the state: 70 years of property rights for residential houses, pay a fixed fee, and automatically renew after expiration.

The charging standards for water and electricity are different: commercial housing due to its habitable and commercial use, it is determined that it uses commercial water and commercial electricity, and the charging standard is relatively high, while the civil water and electricity used by residential housing is relatively cheaper.

Commercial housing is usually densely populated, and there may be multiple houses in a building, also known as three-dimensional compounds, and if it is only used for living, its comfort is extremely low. The frequency of elevator use is too high, the waiting time for the elevator is too long, and the background of many people is complicated, so the environment is difficult to guarantee.

The villa master provides you with local building policies, building drawings, and villa design drawings;

Villa appearance renderings service, thousands of popular drawings for you to choose.

Villa Master.