Matters needing attention in purchasing commercial and residential dual-use houses?

1. How about a commercial and residential room?

Introduction of commercial and residential dual-use rooms:

1, definition of commercial and residential dual-use house:

It is a product that can work and live, and it is an extension of SOHO (home office) residence. It belongs to a residence, but at the same time it incorporates many hardware facilities of some office buildings, allowing residents to engage in commercial activities while living.

2. Property right period of commercial and residential dual-use houses:

(1) The property rights of commercial and residential dual-use houses are generally only 40 or 50 years. According to the relevant provisions of the Property Law, the right to use residential construction land will be automatically renewed upon expiration.

(2) "Non-residential construction land use right" cannot be automatically renewed. Therefore, compared with ordinary houses, the hidden cost of commercial and residential dual-use houses is actually very high.

3. Taxes and fees for commercial and residential dual-use houses:

Commercial and residential dual-use projects can not pay deed tax according to residential standards at present. In the process of transfer, the relevant expenses are calculated according to business, and the deed tax for transfer is 4%, and that for ordinary houses is 2% (not exceeding 144 square meters). At the same time, business tax and land value-added tax are also levied on commercial transfer.

Four, commercial and residential housing loans:

(1) Commercial and residential dual-use houses are not limited to purchase or mortgage, but such houses cannot enjoy the tax benefits of ordinary commercial houses.

(2) The loan term is generally no more than 10 year, the down payment is about 50%, which is much higher than 30% of the first ordinary house, and the loan interest rate is 1. 1 times that of the ordinary house, so you cannot apply for provident fund loans.

Disadvantages of commercial and residential dual-use houses:

1, settlement problem+cost problem+security problem

2. Commercial and residential dual-use houses generally cannot be settled.

3. Commercial and residential dual-use houses can't generally move into hukou, which means that even if there are good educational resources around, children can't move into school because of hukou. This invisibly caused inconvenience to the owner's life and study.

4. The living cost of dual-use houses is high.

5. The water, electricity and property fees of commercial and residential dual-use houses are commercial standards, which are much higher than those of residential projects, and various taxes and fees are also higher than those of ordinary houses. In other words, buyers have to bear a higher cost of living.

6. The safety of commercial and residential dual-use houses is also worth worrying about.

7. Commercial and residential dual-use houses mix business and residence. The so-called "business" and "residence" have brought a lot of trouble to both sides.

Second, the purchase of commercial and residential dual-use housing matters needing attention

Advantages of commercial and residential dual-use houses:

1. Commercial-residential dual-purpose house, which can be used for residence and office registration, is a new living style adapted to the development policy of first-tier cities and the life development of young people. At present, the commercial and residential dual-use houses in Beijing are mostly water and electricity for the people, and the cost is the same as that of ordinary houses. Compared with ordinary houses in the surrounding 70 years, the management of the community will be stricter, the green environment and supporting facilities will be more perfect, and the corresponding property fees will be relatively higher.

2. The advantages of commercial and residential dual-use houses are: you can register a company, live and work, and you are not limited to buying, not counting the first suite. The environment is good, encouraging young people to start businesses and adapting to the urban development trend. At present, the disadvantages are: no hukou, no school district distribution, and 50% down payment.

3. Commercial and residential dual-use is generally the concept of land use, that is, a piece of land can be selected for commercial development or planned for residence. There are also houses built on this land, which can be partly commercial and partly residential.

4. If the developer calls a building "commercial and residential", then part of the building (mostly one or more floors below) is for commercial use, and the rest is for residential use. Generally, such buildings are also called "commercial and residential buildings". "Commercial and residential building" is residential if the purpose of the real estate license is written as commercial housing; If you don't specify a commercial house, it can be a commercial office building such as a serviced apartment or a single apartment.

Matters needing attention in purchasing commercial and residential dual-use houses:

1. The property right of commercial and residential houses is 40 years. As for how to deal with the housing property right after it expires, the property law has not made corresponding provisions.

2. Commercial and residential dual-use houses can register companies but cannot settle down.

3. Commercial and residential dual-use houses can only be paid in full or by commercial loans, and the loan interest rate is 10% of the benchmark interest rate. Provident fund loans and portfolio loans cannot be used, and the maximum loanable price is 50%, and the longest is 10 year.

4. In the second transaction of commercial and residential dual-use houses, the tax is higher than that of ordinary commercial houses. The deed tax is levied at 3% of the appraised price, 2% of the difference of individual tax collection and 5.62% of the difference of business tax collection. The public maintenance fund is paid according to 133 flat/yuan, and property tax is also required, but it is generally replaced by rent tax, and each house still needs to pay rent tax ranging from 6000- 1000 yuan.

5. Commercial and residential dual-use houses will generally calculate the water and electricity costs according to the commercial water and electricity prices, which will be slightly higher than ordinary houses.