Can I buy a commercial and residential building?

Question 1: Excuse me: Is there anything to pay attention to when buying a commercial house? Pay attention to the following factors when purchasing commercial and residential buildings:

First, the term of land use. Commercial and residential land is generally public land, with a maximum land service life of 50 years, while residential land has a land service life of 70 years;

II. The shared building area of the house is * * *. The planning and design standard of commercial and residential buildings is higher than that of ordinary houses. For example, the lobby area is relatively large, and there must be two entrances and exits of stairs and lobby according to regulations, which undoubtedly increases the shared construction area of * * *;

Third, the tax burden. China implements preferential tax rate for deed tax of residential transactions, which is generally lower than that of commercial housing for other purposes. Buying commercial and residential buildings cannot enjoy preferential tax rates;

Fourth, the term of mortgage loan. At present, the maximum residential mortgage loan can reach 80% 30 years, but the commercial and residential buildings are generally only 60% 10 years;

Fifth, the use cost. Property management fees and utilities in commercial and residential buildings are generally higher than those in residential buildings;

Sixth, the use function of the house. In general, there is no separate kitchen in commercial and residential buildings;

Seven, settle down. Commercial and residential buildings are not residential buildings. Under normal circumstances, it is not allowed to settle down (move accounts).

Question 2: What is a commercial and residential building? What should I pay attention to when buying commercial and residential buildings? Generally speaking, commercial and residential dual-use housing refers to the land-use unit that converts the legally approved commercial construction land into residential land in order to avoid risks, and finally launches it in the form of commercial apartments or serviced apartments, such as transforming ordinary commercial houses into residential houses. Because this kind of house is commercial in nature, it does not belong to the scope of state regulation, and there are many, buyers should pay attention to it when buying. Commercial-residential dual-use housing generally refers to the land units that change the commercial construction land approved according to law into residential land in order to avoid risks, and finally launch it in the form of commercial apartments or serviced apartments, such as the transformation of common commercial houses into residential houses. Because this kind of house is commercial in nature, it does not belong to the scope of state regulation, and there are many, buyers should pay attention to it when buying. 1. Property 13, water and electricity, and public maintenance funds are expensive. Because the water and electricity prices of commercial and residential dual-use houses are subject to commercial standards, which are relatively higher than the general living standards; Property fees are also less restricted by the * * * department; The public * * * maintenance fund also shares all parts of the maintenance with the merchants. The above reasons lead to the high cost of commercial and residential dual-use houses in the progress period. Second, whether the property right is 40 years or 50 years. General housing ownership is 70 years, which can be automatically renewed after the expiration, while dual-use houses and property rights of 40 to 50 years are not automatically renewed after the expiration, and must be replenished. Third, commercial and residential houses can't move into the hukou, which means that even if there are good educational resources around, children can't go to school nearby because they can't move into the hukou. Fourth, there are no complete living facilities. Commercial projects generally do not need to design supporting service facilities, such as schools, businesses, neighborhood committees, etc. In other words, there are no supporting kindergartens, schools, medical care and old-age care services. This will bring a lot of inconvenience to daily life after purchase. 5. Implementation standards for mortgage loans. The down payment for commercial and residential dual-use houses is 50%, which is 1. 1 times that of ordinary houses, and the maximum is 10 years, so it cannot be used. Six, the purchase does not implement preferential tax policies. There are many preferential tax policies for ordinary houses, but there are no corresponding preferential tax policies for commercial and residential houses.

Question 3: If you can buy a commercial and residential house, will it be difficult to change hands in the future? First of all, it is certain that the service life of commercial and residential dual-use houses is 40-50 years. It depends on the economic situation of your city whether you want to sell the house in the future or not. Generally speaking, commercial and residential dual-use houses in developed first-tier cities are quite good, because even if they don't live, they can be rented out, and the annual rental return rate is considerable. Because regular office rents are high and property fees are higher, many smaller companies are the first choice for commercial and residential dual-use houses.

Question 4: Can I buy a commercial and residential building? If you buy it as a house (usually the third floor is a house), the land use period is up to 70 years; If purchased as a commercial house, the maximum service life of the land is 50 years. Whether it is a commercial house or a residence, it will be automatically renewed after the expiration of the land use period.

Whether to continue to pay the land transfer fee or not, there is no regulation on how much land transfer fee should be paid. However, in the deliberation of the draft property law, the expert's opinion is very clear, that is, the principle of not competing with the people is adopted.

Question 5: Can I buy a commercial and residential building? Yes

Commercial and residential buildings have a shorter service life than pure houses, but they can actually be bought. At present, there is no clear stipulation in * * * whether to recover or pay compensation, which is not much different from other houses. In addition to short service life, there are businesses downstairs that are noisy.

Question 6: How to distinguish between ordinary houses and commercial and residential buildings? Commercial and residential buildings are commercial and residential buildings. Commercial and residential buildings are generally comprehensive buildings with shopping malls, shops and businesses on the ground floor, and the rest are residential buildings. Commercial and residential land is a comprehensive land. According to the national land law, the service life of comprehensive land is 50 years.

The most important thing to pay attention to when buying a house is to look at the five certificates expressed by the developer. Five certificates refer to state-owned land use certificate, construction project planning permit, construction land planning permit, construction project commencement permit and commercial housing pre-sale permit (or commercial housing sales permit).

According to Article 12 of the Provisional Regulations of the People's Republic of China on the Assignment and Transfer of Urban State-owned Land Use Rights, the maximum term of assignment of land use rights is determined according to the following purposes: 70 years for residential land; Industrial land for 50 years; Education, science and technology, culture, health and sports land for 50 years; Commercial, tourism and entertainment land for 40 years; Comprehensive or other land use for 50 years.

The differences between 50-year-old property houses and ordinary houses mainly include the following points:

1. The future use cost is uncertain. If the former is used in public buildings, its water, electricity, heating and other use costs will take commercial prices. Therefore, for property buyers, ask clearly when buying a house. At present, most developers take corresponding remedial measures at the initial stage of development, which can be paid at the civil price.

2. Differences in related taxes and fees. The deed tax for the initial purchase and subsequent transfer of ordinary residential projects is 2%, and the deed tax for 50-year property rights is 4%.

3. Restrictions on loan conditions. Most of these houses cannot apply for provident fund loans, but a few projects can be done with the efforts of developers. Another 50-year-old or 40-year-old house can only get 50% or 60% mortgage if it uses bank loans.

4. Different construction standards. According to the relevant requirements of public construction, the former has higher standards of civil air defense and fire protection, which will increase the cost for developers.

5. Commercial housing cannot be registered, and pure housing can be settled.

To put it bluntly, commercial housing used to be used to develop office buildings. Now commercial housing is so tight that many developers have developed commercial land into commercial housing, so many apartments have been born. So it is commercial water, commercial electricity, and there is no gas. However, it does not rule out that some developers use the relationship, and finally change commercial electricity into civil electricity and gas supply. But water is generally used for business.

Seven. The residential density of commercial housing is high, which has generally appeared in more than 7-20 households, commonly known as three-dimensional complex, and the living comfort is greatly reduced. The frequency of elevator use is too high, the waiting time by elevator is too long, and a household in the corridor piles up garbage in the corridor, which makes the probability of corridor stinking many times higher than that of pure residence. There are many people and complex backgrounds, and the environment is difficult to guarantee.

There are generally 2-4 households on the first floor of pure houses, which are relatively quiet and greatly improve the comfort. (except relocated houses, price-limited houses and affordable housing)

Eight. There are almost no transparent units in the north and south, but there are units in the southeast and northwest, commonly known as Dunzilou.

Pure houses are generally banlou, with transparent north and south, mostly Shuangyang apartments. Therefore, pure houses are more expensive than commercial houses (apartments), except LOFT.

Nine. There are many super small-sized commercial houses, mainly 40-80, and the total house price is much cheaper, which is worthy of consideration by families with less money.

Pure residential small huxing generally between 70-90, there is no small huxing, and the unit price is expensive, so the total price of the house will generally be higher.

10. There is almost no greening and children's activity area in commercial housing. Generally, a balcony will be set up every few floors for everyone's activities, but it is estimated that it will become an area for stacking garbage and parking bicycles in the later period.

Question 7: Is it feasible to invest in commercial and residential dual-use houses? 1: The price is certainly a little high. 2. Do you believe what the developer said? He will be responsible for your rent. He sold it to you anyway. 2400 is too high. I'm Guangzhou Tianhe 2+ 1+ 1+ 1, and I have to bring all the furniture and appliances to achieve 2500/ month. Take away all the furniture and household appliances, about 1700. 2400/ month think about the rate of return. If it is really easy to rent out 2400/ month/square, it will be more than 6000. Usually you can't get your principal back for 20 years. 3。 Of course, buying at this price is risky. You'd better look around the rent price before you think about it. In short, 2400/ month is impossible under the background of financial crisis. I'm sure of that.

And ... commercial and residential uses. The property management fee will be more expensive. Of course, this is borne by the tenant, so it is not 2400.

Question 8: Can I buy a commercial and residential building with 40-year property rights? I doubt the answer on the first floor! Now many buildings are commercial and residential buildings, and houses with certificates can be contacted.

Question 9: Can the provident fund be loaned to buy commercial housing? Commercial and residential buildings are just folk sayings. In the planning permit, the purpose of the house is approved as both commercial and residential. Commercial housing can't use provident fund loans, but residential housing can. You can ask the developer for the technical report on housing and land surveying and mapping, and see if the house you want is commercial and residential. The minimum down payment for provident fund loans is 20%. The housing loan bank is designated by the developer and then goes through the formalities by itself. Some buildings may not be able to run provident fund loans, depending on the relationship between developers and banks, not residential houses should be able to run provident fund loans.

Question 10: What is the prospect of buying a commercial and residential house in Shanghai? 5 points1-In the past, it was basically charged according to commercial water and electricity standards, but now a large part of it has been changed to civil water and electricity charges. You have to ask yourself what kind of property you want to buy. Tap water price (yuan/cubic meter) industrial and administrative water or commercial services and other water 2.00 drainage fee charging standard (yuan/cubic meter) non-resident users industrial, commercial services, special water and so on. 1.80 peak business hours1.074; Usually 0.671; Valley time 0.3 16 2- There are many reasons why this kind of house is cheaper than the same lot. There are three main reasons: First, the length of residence is only 40-50 years, which is much less than 70 years of pure residence, and now the policy has not pointed out how to deal with such a house when it expires in the future, because there is no precedent for the time being, but in any case, this house does not have a purely residential house to preserve its value; The second is that the tax paid for buying a house is relatively high. If it is a second-hand house, regardless of whether it is more than five years, business tax must be paid; Third, the property fee is expensive, generally more than 6 yuan per square meter per month, and such a high property fee is not as good as the property management of ordinary houses, because the management of commercial and residential dual-use and pure houses is different, which is not conducive to living; 3- According to the characteristics of the above-mentioned commercial and residential dual-use house, it is not difficult to see that this kind of house investment has certain risks, but in any case, the most important thing in investment is to look at the location, and the location is king. As long as the location is good, the pit can also appreciate steadily year by year. I hope the above can help you.