What is the difference between a 40 year title and a 70 year title for a house?How many floors are t

The time of labor is different, the standard of housing is different, the age of the house is different, the ** of the house is different, and the cost of housing construction is different. The small high-rise is about 11 floors. The advantage is that the floor is not particularly high, you can go up and down the stairs without relying on the elevator, you can exercise, and the layout is better.

The disadvantage is that it is prone to the risk of water leakage, and it is easy to occur**, and it is easy to collapse.

The 40-year property right is lower on the first, and the 70-year property right is more practical, and the high-rise of the community is actually the highest 34 floors, but the advantage is that it is cheap, and the disadvantage is that it is very inconvenient.

The difference between the 40-year property right and the 70-year property right of the house is that the nature of the land is different, the 40-year property right is for commercial land, and the 70-year property right is for residential land. Small high-rise buildings are generally about 7-11 floors. The disadvantage is that the spacing between the buildings in Xiaogaocheng is generally not large or dense, and the indoor lighting may not be so good.

When we buy a house, we will look at the property rights of the house, usually there are two types of house property rights: 40 years and 70 years, and many people do not know much about the difference between them. So what is the difference between 40 years and 70 years of house ownership?Let's take a look!

1. The shared area is different.

Generally, the planning standard of residential property with 40-year property rights is relatively high, the entrance hall area is relatively large, and there are more stairs and foyer exits, so the shared area is naturally more.

2. The use of the purpose is different.

Houses with 40-year property rights are mostly used for commercial land such as commercial and entertainment purposes, while houses with 70-year property rights are used for residential and residential purposes, and their use is different.

3. The pricing standards of water and electricity charges are different.

According to the regulations, the utility bills of a 40-year property right house need to be paid according to the commercial **, so the cost of living in a 40-year property right house is higher than that of a 70-year house.

4. The degree of difficulty of re-transfer is different.

A 70-year property is easy to transfer and **, while a 40-year property is subject to high taxes and fees, and the loan term and amount are small when a 40-year property is re-traded.

5. The payment of taxes and fees is different.

Generally, 70-year property ownership houses have deed tax incentives at the time of purchase, with tax rates ranging from 1% to 3%, while 40-year property rights houses do not have deed tax incentives at the time of purchase.

6. Loan restrictions are different.

Provident fund loans are generally not available for buying a 40-year property, and if a bank loan is used, it can only be mortgaged at 50% or 60%, so the pressure to buy a house with a 40-year property right is greater than that of a house with a 70-year property right.

7. The number of real estate units is different.

Nowadays, many cities have implemented a purchase restriction policy, and generally 40-year property rights are not included in the number of units. That is to say, if an individual has a 40-year property right house in his name, and he or she buys a 70-year property right house again, it can be recognized as the first house. A house with a 70-year property right is usually included in the number of family housing units.

Summary: The above is about the difference between 40 years and 70 years of house ownership, I believe everyone understands! The difference between 40 years and 70 years of house ownership is quite big, so it is recommended that owners should buy according to their actual situation when buying a house.

1. Shared area.

The 40-year property right building is generally commercial land, and the standard of its architectural planning and design is generally much higher than that of the 70-year property right building, especially the entrance hall, staircase, and other areas are relatively large, so that the shared area has become a lot larger, relatively speaking, the 70-year property right of the late house sharing coefficient will be much smaller, and the natural area of the suite is higher.

Second, the issue of settlement.

The purpose of buying a house in the city is not only to live, but also to settle down and go to school with children, so that you can enjoy the local residents' welfare policies, but the land grant to the 40-year property right house is commercial in nature and cannot be settled, and only the 70-year property right can be settled.

3. Down payment.

The key is that the proportion of its down payment is much higher than that of the 70-year property right house, at least 50%, the amount of the buyer's loan is only half of the total house payment, and the loan term is only 10 years, which aggravates the pressure on the buyer in the early stage.

4. Payment of taxes and fees.

The purchase of a house with a 70-year property right generally only needs to pay deed tax, even if it is a second-hand house, it only increases the personal income tax, and its taxes and fees are full of two or three under the premise that there are some preferential policies. A 40-year property owner not only has to pay the deed tax in full, but other taxes are also more taxed.

5. Purchase restriction policy.

Due to the housing prices have been the most important, all over the country have issued a lot of policies in the real estate industry, among which the purchase restriction policy is very strict, and there are strict restrictions on the number of properties under the name of individuals or families, which are generally only for 70-year property rights of houses, and 40-year property rights are not in the purchase policy.

Summary: The above is about the difference between 40 years and 70 years of house ownership, the main difference between 40 years and 70 years of property rights is the shared area of the house, settlement, down payment amount, purchase restriction policy, etc., so when buying a house, you should choose carefully, I hope the content shared can give you some reference.

Legal Analysis: The Difference Between 40-Year and 70-Year Property Rights: 1

The definitions are different; 2.The tenure of property rights is different; 3.Commercial housing cannot be settled, but pure residential can be settled; 4.

Fees vary for each transaction; 5.The living environment is different; 6.The house types are different.

Advantages of 40-year commercial housing: 1. The mortgage time for commercial housing is when it is delivered, and the mortgage for 70-year property rights is when the house is completed If the property is demolished after the year, the compensation will be higher than that obtained for the 70-year property right residential house.

3. Commercial houses can be self-occupied, or they can be registered for business licenses as office buildings, etc.

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 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) Commercial, tourism and entertainment land for 40 years; (5) Fifty years for comprehensive or other land use.

The difference between 40 years and 70 years of property rights is that the right to use the house has to be renewed by the relevant department after 40 or 70 years of use. The 40-year property right is for commercial, tourism and entertainment land, and the 70-year property is for residential land. In addition, the 40-year property right renewal requires the property owner to apply for renewal, and the 70-year property right renewal is automatically renewed.

1. How to refinance the mortgage house.

As long as there is a balance on the value of the property after a mortgage, you can do a second mortgage, you can also do a third mortgage, at present, the common form of domestic balance mortgage, generally five color soil mortgage, pawn mortgage or professional loan company mortgage, etc.

A second mortgage must meet the following conditions:

1) The houses used for the second mortgage loan should be high-quality housing and commercial buildings with great market development potential;

2) The house used for the second mortgage of the personal house must be an existing house;

3) The house is a first-hand house purchased with a mortgage loan from the Bank of China;

4) The mortgage registration has been completed, and our bank is the mortgagee of the house;

5) The house has been insured, and the original insurance policy is managed by Bank of China.

2. The risk of buying a house with a 40-year property right.

1) High down payment and short loan term.

In general, a 40-year property is cheaper than a 70-year property, but in most cities, the down payment for a commercial house is 20 to 30 percent, and there is a discount for the first home, and the loan term can be up to 30 years. However, the down payment for a 40-year commercial property must be as high as 50, and the maximum loan year is 10 years, and the loan interest rate is 1 1 times the benchmark interest rate. In this way, in fact, the cost that buyers need to pay is not low.

2) The cost of living is high.

Utility bills for 40-year property ownership are charged according to the type of commercial property, and everyone knows how much higher commercial utility bills are than residential utility bills. It is said that the water and electricity bills of many houses with 40-year property rights can be equivalent to the civil water and electricity bills of commercial houses, which is also a great benefit, but at present, houses with 40-year property rights are still not gas-free. Compared with commercial housing, this is still a big disadvantage.

3) Cannot be settled.

This is especially evident in first-tier cities, where commercial houses with 40-year property rights are not allowed to settle down in the first spring because of the nature of the land. It is also not possible to let children go to school because of a 40-year property right house. Of course, in some third-, fourth- and fifth-tier small cities where degree resources are not so scarce, individual houses with 40-year property rights can also allow children to go to school.

Of course, a house with a 40-year property right is not a small property right house or an illegal building, and it can be purchased normally. But in addition to these risks, buyers should also consider the age of the land. You can't buy a house with a 40-year property right and you can only use it for 20 years, which is more than worth the loss.

In addition, when selling a house, the developer should also explain to the customer how long the service life of the commercial house is.