What's the difference between a house and an apartment?

Cost of buying a house: at least 50% down payment for the apartment.

According to the data provided by a data organization, the average transaction price of ordinary commercial houses (excluding houses and villas) in the main city of Chongqing in February and June was 7376 yuan /m2, while the average transaction price of business apartments (including SOHO and LOFT) was 8365438 yuan /m2, and the unit price of apartments was higher than that of ordinary houses. At the same time, although the area of business apartments is small and the total price is low, the minimum down payment ratio is as high as 50%, and the longest repayment period is only 10 year, and the loan interest rate will even go up without discount 10- 15%. Therefore, the cost of buying an apartment is higher than that of a small house.

At the same time, if it is the first time to buy a house, the deed tax of the house is different according to the different real estate area; For the second purchase, the deed tax is calculated at 3%. For details, please consult the regional housing exchanges. No matter whether the commercial house is the first time or not, the deed tax will be calculated at 3%. But if it involves changing hands, apartments and small apartments are different.

Policy constraints: unlimited loan purchase restrictions for apartments

Although the purchase cost of apartments is high, "the biggest advantage of apartments is' unlimited purchases and loans'. For' unlimited purchase, three-suite buyers', investing in apartments is undoubtedly a way out. " Tang Chang said this.

However, in terms of housing, in order to curb foreigners' real estate speculation in Chongqing, individuals who have no household registration, no business and no job in Chongqing are called "three noes". From 20 17 1.04 onwards, individuals who purchase the first or more ordinary houses in the main city of Chongqing are required to pay personal housing property tax at the rate of 0.5%.

Transfer cost:? The tax on apartments is 20% higher than that on houses, so it is not easy to change hands.

The transfer cost of commercial housing sales may vary according to the nature of the land. A real estate agent surnamed Zheng said: "If it is an apartment with commercial land, 20% of the housing exchange evaluation price is generally levied as the transfer tax; If the house is transferred after 2 years, the transfer fee can be exempted, so the transfer fee of commercial apartments is generally higher than that of houses. "

"This amazing tax makes the turnover rate of commercial apartments usually low, and it is relatively difficult to change hands. For real estate speculators, even if the property is value-added, after deducting the transaction tax, the rate of return is lower than that of the house at the same price. " An institutional source who did not want to be named said.

Appreciation potential: higher housing premium space.

The above-mentioned institutional source who did not want to be named said: "Due to the high transfer tax, investors in commercial apartments usually need to make profits through long-term leasing, and will choose to sell after collecting the rent of 10-20 years. The premium capacity of apartments and small huxing mainly depends on the location. Apartment products are generally small, and the total price is low at the beginning. As far as the two products in the same position are concerned, I think the value of small apartment is higher, the property of living is stronger, the cost of living is lower, it is convenient to change hands and the premium space of the house is higher. Nowadays, apartments attach great importance to lots. For example, the transaction volume and investment value of apartments inside the ring and apartments outside the second ring are very different. "

Use cost: The use cost of business apartments is high.

The difference between the use cost of apartments and houses lies in the management cost of water, electricity and gas in daily life. Because apartments are commercial land, they are charged according to the standards of commercial use, while houses are charged according to the standards of water, electricity and gas for civil use.

According to the price information network, the price of ladder water fee for residents in the main city is 3.5-5.9 yuan /m? ; Electricity price is 0.52-0.82 yuan/kwh, gas price 1.72-2.24 yuan/m? . Because the apartment land is commercial land, the electricity fee is 1 yuan/kwh, but it does not rule out that developers can apply for the charging standard of civil electricity for apartments; According to the data provided by China and France, the charging standard of commercial water is 4.7 yuan /m? Secondary water supply 5.5/m? ; In short, the use cost of business apartments is higher than that of residential buildings.