What are the purchase conditions of commercial and residential dual-use houses in Beijing?

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What are the purchase conditions of commercial and residential dual-use houses in Beijing?

To buy a commercial and residential house in Beijing, you must meet the following conditions: 1. The buyer has no housing or commercial property registration record in Beijing; 2. If it is a foreign household registration, you need to have a valid residence permit in this city; 3. Since the date of application for purchase, the company has continuously paid social insurance or personal income tax in this city for more than 5 years.

What are the advantages and disadvantages of commercial and residential dual-use houses?

First, advantages

1, unlimited purchase, wide range of uses.

Commercial and residential dual-use houses are not affected by the purchase restriction policy, and there is no need to review the qualifications for purchasing houses. Commercial and residential dual-use houses are widely used, both for living and office, and can be rented after purchase.

Second, shortcomings.

1, 40 years property right

The property right of dual-use commercial housing is only 40 years, which is not as long as other houses. After the service life expires, the transfer fee needs to be paid.

2. The cost of water and electricity property is higher than that of residence.

Secondly, the property cost of commercial and residential dual-use houses is higher than that of residential houses, and the utilities and gas costs are also more expensive, which is unbearable for many families. Therefore, parents who need to buy commercial and residential dual-use houses should think about it. After all, life will be more stressful in the future.

I can't get an account.

Many people buy houses just to settle down, but they can't settle down if they buy commercial and residential houses. This should be clear to everyone. Therefore, if you want to settle down, you have to buy a residential property with 70 years of property rights, and you don't have to worry about the problem of settling down.

4. Investment appreciation is slow

There is little room for appreciation of commercial and residential dual-use houses. For example, if you buy a set of residential and commercial-residential dual-use houses, the appreciation space of residential houses will be relatively large, while the appreciation space of commercial-residential dual-use houses is not large.

5, the down payment ratio is high, only commercial loans can be used, without provident fund.

The down payment ratio of commercial and residential dual-use houses is high, and the minimum down payment ratio is 50%. Only commercial loans can be used, not provident fund loans. The loan period of commercial housing is 10 year, so the pressure on users is also relatively large.

Bian Xiao concluded: The above is about the purchase conditions of commercial and residential dual-use houses in Beijing. I hope it will help everyone! It is not cheap to buy commercial and residential dual-use houses in Beijing, and sufficient funds need to be prepared.

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