Two hidden dangers of buying commercial and residential houses, and buy and cherish them.

Commercial and residential dual-use products can be used for both office and residence. Due to the current escalating purchase restriction in the property market, some housing enterprises have turned their attention to commercial properties in order to expand their living space, and launched some' commercial and residential' housing projects. With the increase of "commercial and residential dual-use" projects, hidden dangers have begun to appear. What are the two hidden dangers of buying commercial and residential dual-use houses? Next, let's take a look at what problems exist in buying commercial and residential dual-use houses.

"Commercial and residential" houses are very expensive.

The so-called commercial and residential dual-use, that is, products that can work and live, is an extension of SOHO (home office) housing concept. It belongs to the residence, but at the same time, it integrates many hardware facilities of the office building, especially the developed network function, so that residents can engage in commercial activities while living.

It is understood that the difference between "commercial and residential dual-use" projects and houses is mainly reflected in the differences in property rights, supporting facilities, floor area ratio and greening, public facilities area, safety level, property fees, management fees, transfer deed tax and so on. For example, the "commercial and residential dual-use" project is currently unable to pay deed tax according to residential standards. In the process of transfer, the relevant expenses are calculated according to the business, and the transfer deed tax is 4%, and the transfer deed tax 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. In this regard, professionals remind: from the perspective of investing in home ownership, investors will bear huge selling costs if they sell such properties.

This kind of house is not limited to purchase or mortgage, but it does not enjoy the tax benefits of ordinary commercial housing. The loan term generally does not exceed 10 years, and the down payment is relatively high, about 50%, so you cannot apply for provident fund loans. This kind of house has a good layout, and LOFT apartment is very popular with young people. The house is divided into two floors 1000, with people living above and leisure activities below, which is very convenient. Buying 30 square meters is equivalent to buying 60 square meters, which is cost-effective, but the sound insulation effect of the house is not very good.

"Commercial and residential" houses have a high cost of living.

The reason why commercial and residential dual-use houses are getting more and more popular is because they are not limited to purchase and do not need to look at household registration or tax payment certificates. Whether it is a property buyer or an investor, buying a "commercial-residential dual-use" project can avoid the property market purchase restriction policy, but there are still some hidden risks, which must be carefully considered and comprehensively measured before buying a house.

First of all, the water, electricity and property fees of commercial and residential dual-use houses are commercial standards, which are much higher than residential projects, and various taxes and fees are also higher than ordinary houses. Although many commercial and residential dual-use houses are promised to be civil standards when they are sold, they are also afraid to write them into the contract in secret. Most "commercial and residential dual-use" products can't guarantee buyers to pay deed tax, property fees and utilities according to residential standards, which means buyers have to bear higher living costs.

The down payment of this foreign dual-use residence is 50%, which is much higher than the 30% of the first ordinary residence. The loan interest rate is 1. 1 times that of ordinary houses, and the longest loan term is 10 year.

Secondly, the property rights of commercial and residential dual-use houses are generally only forty or fifty years. According to the relevant provisions of the Property Law, the right to use residential construction land will be automatically renewed upon expiration. "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.

Commercial and residential houses are generally not allowed to move into hukou, which means that even if there are good educational resources around, children can't move into schools because of hukou. According to relevant regulations, non-residential projects generally do not require the design of supporting service facilities, such as schools, businesses, neighborhood committees, etc. In other words, kindergartens, schools, medical institutions and corresponding old-age services will not be mandatory. This invisibly caused inconvenience to the owner's life and study.

At present, most of the "commercial and residential dual-use" projects are designed as hotel-style apartments, and one staircase often accommodates multiple households, which makes it inconvenient to get in and out, and the safety problem is also worth worrying about. Commercial-residential dual-use houses mix business and residence, which are called "business" and "residence", but they bring a lot of trouble to both sides. In an owners' forum, many owners' posts reflect that businesses are seriously disturbing people, some reflect that business hours of businesses end late at night, and some reflect light pollution problems. Many businesses' neon lights, billboards and spotlights at night are very disturbing.

"The apartment has five certificates, but it is legal on the surface." Guo, a member of Chinese People's Political Consultative Conference and a professor at Shandong Institute of Economics, thinks that if we look closely, the commercial real estate around residential design is actually a policy "edge ball" and a marketing tool and advertising strategy for developers. Some professionals pointed out that this is a risk-averse behavior of developers. In the early 1990s, the office market in Shenzhen was a smash hit. After the surge in trading volume, the market was rapidly depressed, and many approved commercial properties were forced to be launched in the form of business apartments or hotel apartments.

For freelancers or home-based office workers, it is necessary to be cautious when choosing commercial and residential dual-use houses, because the main purpose of these two kinds of people is to live, and the choice of commercial and residential dual-use houses is bound to be interfered by "businessmen", and many public expenses must be shared equally with "businessmen".

As for building materials, the decoration of commercial buildings is high-grade, there are many combustibles, electricity consumption and natural gas consumption are large, and the fire protection code is stricter than that of residential buildings. However, for commercial and residential dual-use houses, if the developer applies for building a house, it will be a huge hidden danger if it is audited according to the fire protection standards of residential buildings.

The above contents are about two hidden dangers of buying commercial and residential dual-use houses. Therefore, for freelancers or home-based office workers, it is still prudent to choose commercial and residential dual-use houses, because the main purchase purpose of these two kinds of people is to live, so we must consider it clearly. Only by understanding the problem of buying commercial and residential dual-use houses can we make a better purchase choice.

(The above answers were published on 20 15-09-02. Please refer to the current actual purchase policy. )

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