What is the difference between an apartment and a house, if you want to buy it for your children s s

1. The nature of the land is different.

Residential land is residential land (70 years of property rights), apartments are mostly commercial land, generally for years of property rights), and very few apartments also have 70 years of property rights. According to the current news, after the expiration of the property rights of commercial land, it is necessary to pay the land transfer fee, and the apartment is the first to bear the brunt.

2. The use and function are different.

Residences are residential, and apartments are commercial, office, commercial and residential.

3. The decoration situation is different.

The decoration of the residence varies, there are rough, simple, hardcover, luxury, and the apartment is generally rough or simple.

4. The living comfort is different.

Generally, the house is divided into two ladders and three households or four households or three ladders and eight households, etc., with fewer people, which will not cause trouble to travel, and the privacy is also betterApartments, on the other hand, are usually two or more apartments, with many people and clutter, and security and privacy are not well guaranteed.

2. Why it is not recommended to buy an apartment when buying a house.

1. Poor conditions and high costs.

In fact, commercial and residential apartments are not supported and allowed by the state, and they are not favored in the market. The vast majority of commercial apartments cannot be settled, do not have a school location, and can only use the apartment for their own use (living or office) or rent it to others.

2. It seems to be cheap, but it is not cost-effective.

Let's do the math, the down payment for the first home is generally 30, and the maximum loan term is 30 years, which can be used in combination with commercial loans and provident fund loansCommercial apartments, with a down payment of at least 50 and a maximum loan term of 10 years, can only be used for commercial loans, and even more require full payment. The same ** same cost, one can buy a studio apartment for one person, and the other can buy a house with an area that can support a family of three, which one do you choose?

Commercial condominiums are only forty or fifty years old, and residential condominiums are 70 years, both from the moment they were established. The property rights of the residential property can be automatically renewed when they expire, and the property rights of the commercial apartments are explainedNo.

3. The cost of apartment transfer and sale is relatively high.

Whether it is an apartment or a residence, you need to go to see it in person to determine how the environment in the house is, the ventilation situation, and whether the house decoration will leak or seep. After all, it will take a long time?

Nowadays, it can be found that there are many types of houses, and many people buy a house in order to be able to have a degree, which can be said to be a very popular one for degree housing, and buy a school district house for their children. So do you know that you can go to school with a condominium title deed?

This mainly depends on the local policy, for example, the apartment you buy can apply for the real estate certificate, and at the same time, you can also smoothly handle the settlement, and there is a school district, in this case, the children can go to school nearby when they buy an apartment; If you buy an apartment, its property right certificate is commercial, there is no way to settle down, let alone divide the school district, and children can only borrow if they study.

What is the difference between an apartment and a commercial house.

1. Residential: limited to purchase and loan, but there is a preferential interest rate for the first house; and can use CPF loans. Those who meet the conditions can settle down, have a degree, have a service life of 70 years, and the residential water, electricity, and management fees are generally low, and the gas and second-hand transaction taxes are relatively low.

2. Apartment: no limit on loans, no limit on loans, down payment of 5 percent. But you can only take out a loan for 10 years, and you can't use the provident fund to take out a loan, apartment: you can't settle down, you don't have a degree.

Can't settle down, no degree. Can't settle down, no degree. (Important things are said three times), the service life is up to 50 years, commercial water, electricity, and property management fees are generally high, and some business apartments are not gased.

The second-hand transaction tax of business apartments is relatively large, and the value-added tax is charged at 5 of the difference; Deed Tax3 ; The tax is 1 5. The main difference is that there is a relatively large difference in land value-added tax, and there is 0 1 stamp duty. The appreciation of the apartment seems to be relatively high, but in the process of second-hand housing transactions, after deducting all taxes and fees, the value-added income will also be reduced.

The location of the apartments is generally good, and many apartments are located in the core business district of the city center, so the surrounding area has a good business environment and rich living facilities, and the transportation is convenient, which can meet the early living needs of buyers. And now more and more young people like to rent in fashionable and low-cost small apartments, if buyers buy a large house after a few years, the rental rate of well-equipped small apartments is quite high, and it is easy to resell.

Absolutely!

The apartment is enough to meet the conditions for children to read, as long as they have the heart to read, there is light, there are tables and chairs, this is the necessary condition for reading, you can read in a high-end villa, you can read in a building, you can read in a cottage in the countryside, and you can still read in the open air.

Generally, no, but you can check with the school.

Do the math how much it will cost you to renovate your home

With the continuous increase in housing prices, many people can only choose to buy relatively cheap apartments in order to have a stable and popular residence, but the apartments in many places cannot be settled, and children's schooling has become a problem. So can children go to school when they buy an apartment, let's introduce it to you in the following article.

Can children go to school if they buy an apartment.

This mainly depends on the local housing policy, if the purchase of an apartment can be successfully processed for the real estate certificate, and can be successfully settled, and the apartment is divided into school districts, then buying an apartment can usually allow children to go to the nearest school, but if the nature of the apartment ownership certificate is commercial, can not be settled smoothly, and there is no school district, children can only borrow or go to other private primary schools when they study.

What to look out for when buying an apartment.

1. The Bureau of Destruction pays attention to the property rights of the house.

According to China's national laws, the nature of the use of the house and the nature of the land is the same, so we need to see clearly whether it is residential, commercial or industrial land when buying a house.

2. Clarify the purpose of purchase.

If you are buying an apartment for rent, it is best to choose a commercial apartment, which is usually located in a commercial area with convenient transportation and complete supporting facilities, and the rent is relatively high. If you live on your own, it is best to choose a residential apartment, because the cost of living here is relatively low and the property ownership is longer.

3. Choose a well-known developer.

When we buy an apartment, it is best to choose a well-known developer that has a large scale, excellent quality of the property, and relatively good in terms of the facilities and properties of the apartment.

4. Look at the geographical location of the apartment.

When we choose an apartment, it is best to choose an apartment with a superior location, and pay attention to whether the supporting facilities of the apartment are perfect.

Enter the area and get the decoration for free**].

Nowadays, there are relatively many types of houses, many people are more entangled when buying houses, no matter what type of house they buy, they must consider clearly, apartment houses are a kind of houses that many people will buy, but when buying apartment houses, children will also be subject to certain restrictions in terms of going to school, so what are the conditions for children to go to school in apartment houses? What are the disadvantages of buying an apartment? Let's take a closer look.

What are the school conditions for children in the apartment?

Generally speaking, a 40-year single apartment cannot be used as a school district, but a 70-year property right is generally possible, and you can consult the local real estate bureau for this. Many cities are currently implementing a point system, as long as it is a property under the name can be points, whether it is an apartment or a shop can be counted as points, one point per square, enough 80 points to enroll.

In addition, because the policies vary greatly from region to region, it is best to go to the school in your area to inquire about zoning and some other conditions for going to school there. It is not necessary to have a real estate certificate to be able to go to school, there are other conditions. If you really can't get into school, then you can go to a private school.

What are the disadvantages of buying an apartment?

1. The land use period is short.

Most of the land uses for commercial apartments are shopping malls, office buildings or wine buildings. The land use period of residential nature is 70 years, and the land use life of this type of commercial apartment is only 40 to 50 years because the category is not the same, and the land life of the commercial apartment needs to be paid high land price before it can continue to be used.

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

The transfer of commercial apartments is subject to land value-added tax. It is based on the level of the value-added amount, and the tax on the value-added part is 30% to 60%. In addition, commercial apartments also need to increase the business tax based on the total transaction price, and the various taxes and fees can usually reach 10% to 14% of the total transaction price, which makes it much more difficult for commercial apartments to change hands.

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

Although there is no restriction on the purchase and loan of commercial apartments, because they are commercial properties, they can only be approved for a loan of 50% and a long term of 10 years, and they cannot apply for a provident fund mortgage with a lower interest rate. The interest rate of commercial loans is multiple to multiple of the benchmark interest rate, while the interest rate of residential loans is increased by multiples. Therefore, the interest expense of the apartment is too high to be cost-effective.

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

The management fee and utility charges for a condominium are much higher than for a residence, as the condominium is charged at the rate of commercial utilities. 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 for ordinary residences.

Their property rights are different, the lighting is different, the water and electricity bills are different, the loan restrictions are different, the water and electricity bills of the apartment are relatively high, and he feels that he is relatively young. The water and electricity bills of these houses are very high, the proportion of the down payment is relatively high, these houses can not be settled, this house can be used for office use, if the neighbor is a company, it will be very noisy, most of these houses have high floors, and the lighting is not particularly good.

The standard of construction is not the same. Apartment buildings are generally mainly slab buildings, and ordinary family residences are mainly based on units, and the quality is different. And the property rights of apartments are only 40 years, and the property rights of houses are 70 years.

The disadvantage of living in an apartment is that it is not safe at all, the people are very chaotic, and the water and electricity are very expensive, and you can't use gas, and there are generally no school districts.

The difference is that the value is different, the value retention rate is different, the location is different, the cost is different, and the area is different. The disadvantage of the apartment is that the electricity price is more expensive, the water price is more expensive, and the area of the apartment is relatively small, so you can only live in it yourself, and you can't keep pets.

The tenure of the property is different: the tenure of the apartment is 40 years, and the tenure of the residential property is 70 years.

The charging standards for water and electricity are different: residential houses belong to civil housing, and water and electricity charges are charged according to the standards of civil water and electricity; The apartment belongs to commercial housing, and the water and electricity bills are charged according to the standards of commercial water and electricity. In the long run, the utility bill for a home will be at least half of that of a condominium.

The living comfort is different: the general house is two ladders, three households or four households, with fewer people, which will not cause trouble to travel, and the privacy is better. Apartments, on the other hand, are usually two staircases and ten households, or even more, with many and cluttered people, and security and privacy are not well guaranteed.

The lighting conditions are different: some 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 "Code for the Design of Residential Buildings", the residence must meet the relevant conditions such as sunshine and lighting, so most of today's residences are bright kitchens and bright bathrooms, and the lighting conditions are naturally much better than apartments.

The rules for settlement are different: an apartment is a project built on commercial land, which is of a commercial nature and therefore cannot be settled. If it is a residence, according to the different requirements of different regions, as long as certain conditions are met, the buyer can go through the settlement procedures.

The interest rate is different from the down payment: if you plan to take out a loan to buy an apartment, you need to follow the regulations of commercial housing, and the down payment ratio is generally 50%, and the loan interest rate will be relatively higher. If you are taking out a loan to buy a home, the down payment ratio is usually 20%, but it varies depending on the region.

Different taxes and fees: Buying a condo and a home are also subject to different taxes, with the former paying more taxes than the latter. Take individual income tax as an example, if the only family residence is satisfied at the same time and the purchase time is more than five years, it is exempt from individual income tax, but if the property sold is a non-residential property, it will have to pay individual income tax regardless of the situation.

Extended Materials. Description of the apartment.

Condominium: A public apartment, which is a form of residential real estate in commercial real estate investment. Each floor has several rooms and common corridors, toilets and bathrooms.

The appearance is generally decent, divided into staff apartments and commercial apartments, commercial apartments can be used for their own use and convenient for external leasing, the size of the space is appropriate, the layout is compact, economical and practical, equivalent to school dormitories, rental apartments, also refers to hotels or villas, more economical and practical.

Apartment features: Nature of land use: generally comprehensive land (commercial and residential) or commercial land.

Tenure: 40 years.

It is generally located in the core area of the city and the central business district.

It can be used for both living and working.

It has the function of an office building, and can register a company in some cities.

**Relatively low for office buildings.

The minimum down payment is 5%, and the mortgage is up to 10 years.

ReferencesEncyclopedia entry Apartment (apartment (unit name of a collective building) Encyclopedia.