What is a commercial apartment? Is it an investment in sweet and sweet ?

A commercial apartment is an apartment located in the core area of the central business district and the city, which is generally used for office rather than residence; The investment threshold of commercial apartments is low, there is no risk, and the income is stable.

It is a number of houses located in a central location, which can be used for living and can be used for some business activities. Yes, the availability of these houses is very good, **not particularly expensive.

It refers to the business center in the core area of the city, which can be lived in and officed, which is the so-called commercial apartment, which is the sweet spot for investment.

Some houses in central locations, these houses can be used for living, and they can be used for some business activities. The availability of these rooms is very good** not unusually expensive.

No, there are both commercial and residential apartments.

1. The difference between a commercial apartment and an ordinary residence.

1) The term of property rights is different.

First of all, there is no limit to the time for which a house can be used, but there is a time limit for the use of land property. Generally speaking, the land tenure is divided into 40 years, 50 years and 70 years, of which 40 years for commercial land and 70 years for residential land.

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

The residence belongs to the civil housing, and the water and electricity charges are charged according to the standard of civil water and electricity; Commercial apartments belong to commercial housing, and water and electricity bills are charged according to the standards of commercial water and electricity. In the long run, the utility bill for a residential home will be half as much as the cost for a commercial apartment.

3) The requirements for resolving the household registration are different.

Commercial condominium is a project built on commercial land, which is commercial in nature, so it cannot solve the hukou problem. If it is a residence, according to the different requirements of different regions, as long as certain conditions are met, the buyer can solve the hukou problem.

4) The living comfort is different.

The general residence is two ladders, three households or four households, with fewer people, which will not cause trouble to travel, and the privacy is better; Commercial apartments, on the other hand, are usually two staircases and ten households, or even more, with many people and cluttered, and security and privacy cannot be well guaranteed.

5) Interest rates and down payments are different.

If you plan to take out a loan to buy a commercial apartment, you need to handle it in accordance with the regulations of commercial housing, and the down payment ratio of the first house is generally not less than 40, 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 not less than 35, but it varies depending on the region.

6) Different lighting conditions.

Some commercial 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 bathrooms, and the lighting conditions will be much better than that of commercial apartments.

2. How to compensate for apartment demolition.

The demolition of apartments is essentially the expropriation of houses by the state. According to the Regulations on the Expropriation and Compensation of Houses on State-owned Land, compensation for the expropriated houses will be made.

Article 19 The compensation standard is: The compensation for the value of the expropriated house shall not be lower than the market of similar real estate of the expropriated house on the date of the announcement of the decision to expropriate the house. The value of the expropriated house shall be assessed and determined by the real estate appraisal agency with corresponding qualifications in accordance with the housing expropriation appraisal method.

According to Article 17 of the Regulations on the Expropriation and Compensation of Houses on State-owned Land, the scope of compensation is as follows: The compensation given to the expropriated person by the people at the city and county levels who made the decision on housing expropriation includes:

compensation for the value of the expropriated house; compensation for relocation and temporary resettlement caused by the expropriation of houses; Compensation for the loss of production and business suspension caused by the expropriation of the house. The people at the municipal and county levels shall formulate subsidies and incentives to give subsidies and rewards to the expropriated persons.

A commercial apartment is a business apartment, and the difference between a residential apartment and a business apartment is as follows:

1. The term of property rights is different.

Residential apartments refer to residential apartments that are generally residential in nature and have a property tenure of 70 years. The business apartment refers to the business apartment with a property right of 40 or 50 years, which is generally commercial land or comprehensive land in nature.

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

The water and electricity standards for residential apartments are civil water and electricity, and business apartments are commercial water and commercial electricity.

3. The purpose of the house is different.

Business apartments can be registered as companies and can be used as offices, but residential apartments are for residential purposes. Generally speaking, when signing the contract for the sale and purchase of commercial housing, the housing use column should be marked with "residential apartment" or "business apartment".

4. Transaction taxes and fees are different.

If the property tenure is 70 years and the purpose is residential, the transaction tax is the same as that of the residence, and the taxes involved include individual tax, VAT and deed tax. The transaction taxes and fees of business apartments include value-added tax, land value-added tax, individual income tax, land transfer fee, land deed tax and deed tax.

Investment real estate is not that more worthwhile, which one is more valuable, but should be pushed down the river, playing tickets or project investment is two different things, not to say the project investment value, the value of specific investment to buy a house, divided into long-term value, short-term value, and to divide out the long-term house ** increase, there is also a short-term house ** increase, you are also playing ticket speculation, or playing is the actual effect of project investment, many friends do not understand what is investment, what is speculation?

Ordinary people invest in projects in order to make money, but in the process of making money, they must prevent many situations, or pay attention to many things, one is not to lose money, real estate projects invest in housing, so far the loss of money is almost zero, but commercial real estate, according to the way of project investment housing to play, must be smashed into the hand, commercial real estate can not play tickets, housing can play tickets, but the current policy is still gradually plugging this system loophole, such as purchase restrictions, income tax deductions, and even purchase restriction policies, will slowly chip the dynamics of playing tickets; People who have a lot of money in their hands, many people will choose to invest in real estate.

The investment in real estate mainly depends on three elements: first, the location, the area is good, and the project investment can make money in anything; Second, looking at the economic and demographic environment, the level of socio-economic development and the quality of the population in each region depend on the consumption power of the region in this regard; For example, a property of 10,000 yuan only receives 5,000 a month, so it is estimated that the cost performance is low, and the investment in this project is not worth doing. If you want to invest in the project, then you need to consider the investment characteristics and income of the apartment building, housing and shop respectively.

These three types of real estate, no matter what, have project investment value. It mainly depends on the location of your project** and the investment stage, if the area is good, the project investment will definitely not lose money, more just less money; Regardless of the economic environment, no matter what stage, these three types of real estate have project investment value, just like most people are not doing well in business, there will always be some people who make profits or make a lot of money, and those who lose money are likely to have no transformation and development, or operate in the same way. If the time changes by 15 years, then the shop must be the best investment choice, not to mention appreciation, even the rent is beautiful enough.

Risk, return, and liquidity are the three key elements that need to be measured in any investment. However, these three cannot exist at the same time, and when making investments, you need to choose between the three.

So, let's analyze the matter of investing when you talk about it:

Apartment: Rental risk is small, almost never vacant, small investment, high income, poor liquidity, low risk, you can rent it yourself or entrust a professional rental company to help manage the operation (the author has it in Suzhou, and many other cities do not have this service).

Residential: low rental risk, almost no vacancy, large investment, low return, good liquidity, high risk. There are a lot of people who buy the wrong place and continue to be **, and the gambling component is relatively large.

Shops: Leasing is risky, investment is large, and liquidity is poor. It's normal to not be able to rent for a few months when you're empty, and it's also normal to not change tenants after a few years of renting.

So, from this realistic situation:

In fact, if you buy it right, all three are good targets.

I bought the wrong one, and all three of them were lonely.

Here's why:

** An apartment at the entrance of the subway, or where multiple subways meet.

Calculate the rent-to-income ratio of the apartment, so that you can often make money when you start investing.

The city is in, no, you can always make money, how much money is not very important, the important thing is to have ah!

So: to sum up:

Condominium investment is based on rental income.

Shop investment relies on analysis + luck + rental income.

Residential investment depends on analysis + luck + rental income.

Deducting luck and analysis, in fact, the comparison of rental yields:

Apartments outperform the other two categories in terms of small investment and high returns!

Hope it helps!

Shops are more valuable as an investment, because you can get a very considerable return every year just by relying on the rent of the shop.

Of course, it is a shop, because the rent of the shop is a very considerable income, and it may be able to return to the cost after a few years.

Shops are more valuable as an investment, because many people will rent shops to do business, and they can live well by renting alone.

1. Different living comfort: most of the ordinary houses are two-ladder, three-family or four-family, and there are fewer people living in them, which will not cause trouble to travel, and the privacy is also better. Apartments are usually two staircases and ten households, or even more, with more people living in them, and the security and privacy are very low.

2. The cost of use is different: the water and electricity charges of ordinary residences are charged according to the standards of civil water and electricity; Commercial apartments belong to commercial housing, and 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 half as much as for a condominium.

3. The term of property right is different: the right to use ordinary residences is generally 70 years; The tenure of the apartment is generally 40 to 50 years, depending on the type of land used on the plot.

4. Different regulations for solving the hukou: the commercial apartment is a project built on commercial land, which is of a commercial nature, so it cannot solve the hukou problem. If it is a residence, different areas will have different requirements, as long as the corresponding conditions of the area are met, the buyer can solve the hukou problem.