What's the difference between a residential apartment and a commercial apartment?

First, the property rights are different.

The property right of residential apartments is 70 years, and that of commercial apartments is generally 40 to 50 years.

Second, the proportion of bank mortgage loans is different.

If you plan to buy by mortgage, the down payment of residential apartments will enjoy the residential treatment, while the down payment of commercial apartments is generally 50%.

Third, the term of bank mortgage loans is different.

The longest mortgage period of a residential apartment is 30 years. The longest mortgage period of a commercial apartment is 10 year.

Fourth, provident fund loans are different.

Some people will choose to use provident fund loans when purchasing. Compared with commercial loans, the interest rate of provident fund loans will be much lower. Under normal circumstances, residential apartments can apply for provident fund loans. Commercial apartments are generally not allowed to apply for provident fund loans.

Fifth, the cost of living is different.

Residential apartments belong to civil houses, and water and electricity charges are charged according to civil water and electricity standards; Commercial apartments belong to commercial houses, and utilities are charged according to the standard of commercial water and electricity consumption. Property fees are also paid according to commercial standards, and general commercial apartment property fees are more expensive than residential property fees.

Six, the sale of different taxes and fees paid.

5% value-added tax (exempted for more than 2 years) and 1% personal income tax for resale of residential apartments within 2 years; The deed tax is 0%-4% of the total amount of 65438+.

When selling commercial housing, there are two tax methods: (1) 25.6% of the total amount; (2) 55.5% price difference, including 30% value-added tax, 20% personal income tax and 5.5% business tax; The deed tax is 4% of the total.

Therefore, the taxes and fees generated in the resale process of commercial apartments are higher than those of residential apartments.

Seven, different lighting conditions

The lighting and permeability of most apartments are not very good. There are no windows in the bathrooms and kitchens of some commercial apartments, and the balconies are also inner balconies, so the lighting conditions are naturally not very good.

According to the Code for Design of Residential Buildings, residential buildings must meet the sunshine, lighting and other related conditions, so most of the current residential apartments are bright kitchens and bathrooms, and the lighting conditions will be much better than those of commercial apartments.

Eight, the living comfort is different.

Residential apartments are generally two stairs, three households or four households, with few people, which will not bring trouble to travel and have better privacy; Commercial apartments are generally two stairs and ten households, or even more. There are not only many people but also chaos, and security and privacy cannot be well guaranteed.

Nine, the pool area is different

The pool area of residential apartments is generally around 20%, and the pool area of commercial apartments is generally higher, many of which reach 30% or even higher.