Investment in home ownership: the difference between buying commercial apartments and ordinary houses

With the development of economy, many people pursue higher and higher quality of life, and their tastes also improve. This has caused middle-and high-income white-collar workers in some cities to focus on hardcover small apartments, complete household appliances, perfect personal property and fashionable and avant-garde business apartments. As an investment, commercial apartments have three obvious advantages. However, many buyers of apartment products still don't understand the detailed differences between apartments and ordinary houses.

Advantages of business apartment

One: Commercial apartments belong to commercial properties and are not limited by the number of units purchased. Moreover, compared with investing in office buildings and shops, commercial apartments have low investment capital and technical threshold and are easy to change hands.

Second, investment pays the most attention to returns, and the return rate of business apartments is relatively high. For investors, reducing investment risks is the most important. However, the total investment of business apartments is not only cheap, but also apartments with better location are popular with middle and senior white-collar workers, with high return on investment.

Third, commercial apartments are easy to sell. Because most commercial apartments are located around the office park planned by the government or in the core business district of the city center, both lots and supporting facilities are complete. Such a house is a good choice, whether it is a transitional house for young people or a self-occupied house for those who just need it.

The difference between commercial apartments and ordinary houses

First, the difference between loans.

The biggest advantage of the apartment is "unlimited purchases and loans", which is the most advertised selling point of the apartment. Except that there is no preferential loan, you can't use provident fund loans for apartment loans, and you can't withdraw provident fund on the grounds of buying apartments, because provident fund loans are special funds for buying individual housing, and non-residential real estate can't be used.

As for housing, diversified measures have been taken in credit policy, such as commercial loans, provident fund loans and portfolio loans.

Second, the difference between home and degree.

Whether the house can be settled depends on the nature of the land where the project is located. If it is purely commercial, it cannot be settled alone, so the apartment cannot be settled; Like "unable to settle down", the apartment has no degree. Even if there are famous schools, the children of the owners can't enjoy the degree of famous schools. For the property in the old city, it has always been favored by the market with the advantage of a prestigious degree, and the appreciation potential of apartments in the later period is relatively weak, so relatively speaking, the price difference between apartments and houses in prestigious schools will be even greater.

Third, the difference of utility rate.

Small apartment itself is small, so the apartment type, housing area, housing rate, housing orientation, decoration standards, the number of apartments on each floor, the number of elevators on each floor, and landscape greening will all have an impact on customers, and then affect the return on investment. Moreover, the house area is too small, and the low room rate will affect the use function. The occupancy rate of commercial apartments is generally low, and most apartments in the market can only have a public rate of about 70%. But housing is different. The housing pool is relatively small, which can reach about 80% in utility rate.

Fourth, the difference in service life.

In addition, the difference in service life is the biggest difference between an apartment and a house. The land use life of commercial apartments is only 40-50 years, while that of residential buildings is as long as 70 years. It is worth mentioning that most of the land use certificates of many commercial apartment products currently on sale were obtained many years ago, so the actual service life of many projects is only over 30 years, which is half of that of houses. According to the interpretation of the Property Law, residential properties can be automatically renewed when the land use period expires, but there are still no relevant laws and regulations to follow for commercial properties.

Five, the difference between hidden costs

The cost of holding an apartment is generally higher than that of a house. First of all, the apartment should use commercial water and electricity. Roughly speaking, commercial hydropower is about twice as much as civil hydropower. In addition, some apartments can't be connected to gas pipes and can't use open flames. Some projects are strictly managed, and even bottled gas can't be sent upstairs. Daily households can only be electrified, and the cost of electricity consumption is higher. Statistics show that the cost of water and electricity in commercial apartments is usually nearly 70% higher than that in ordinary houses.

Profits and risks often coexist, so as a property buyer, first of all, you should have a clear positioning of your economic ability and the purpose of buying a house, understand the difference between commercial apartments and ordinary houses, and make the most suitable choice for you.

(The above answers were published on 20 15-09-30. Please refer to the actual situation for the current purchase policy. )

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