Is a villa worth buying for 40 years?

The 40-year-old villa is a commercial villa. Actually, it is not suitable for ordinary residents. Unless the demand is limited, it is not recommended to buy. For example, some office units can consider that the quality of office products is still relatively good. Ordinary residents need to bear higher costs when purchasing, and the subsequent commercial water and electricity burden is also relatively large.

The difference between business villa and ordinary villa

1. Property right: The property right of a commercial villa is commercial, which is actually equivalent to a single-family commercial building. The term of property rights of commercial villas is generally between 40 and 50 years, depending on the nature of the plot. ; The property right of ordinary villas is residential, and the property right period is 70 years.

2. Qualifications for purchasing houses: At present, commercial properties in most cities are not limited to purchase loans (except for a few), and residential villas need the qualifications for purchasing houses just like other residential properties;

3. Price: The unit price of commercial villas is generally lower than that of pure residential villas;

4, utilities, property fees: because the business villa belongs to the commercial nature, property fees are three times that of ordinary villas; In terms of public utilities, commercial electricity consumption is about three times that of self-occupation, and commercial water consumption is more than 1 times that of self-occupation.

5. Taxes and fees: The biggest difference between commercial villas and self-occupied villas is the collection of land value-added tax. The more the property appreciates, the greater the proportion of water charges. If the increase is above 65,438+000%, half of the profits will be collected. Moreover, if you live in a villa for more than 5 years, personal income tax also saves a lot of taxes and fees. In addition, other expenses can be ignored. In this regard, the value-added range of commercial and residential villas in the later period is directly proportional to the tax payment range. In this way, the income of investors is far less than that of self-occupied villas;

6. Loan: 50% down payment for general commercial real estate, service life 10 year, interest rate floating 10%. Compared with ordinary villas, the down payment is 30%, the service life is 30 years, and the interest rate is favorable. Business villas are under great financial pressure.