Must the apartment be paid in full?

Generally, you don't need the full amount to buy an apartment. Commercial and residential apartments can be used for commercial loans with the longest loan period 10 year. Generally, the down payment ratio of commercial and residential apartments is 50%, with no qualification, no house purchase and no loan. Compared with residential buildings, commercial and residential apartments have the disadvantages of only 40-50 years of property rights, high living costs, inability to settle down, and no division of school districts. However, commercial and residential apartments also have many advantages, such as low total price, higher utilization rate of apartment space, suitable for unqualified people who just need it, suitable for investors and high return on investment rent.

What are the advantages of apartments?

1, unlimited purchase and unlimited loan

Due to policy factors, under the current strict policy of restricting purchases and loans, groups that do not have the qualification to purchase houses are rejected. When people with housing needs and investment needs can't choose housing, they can only consider apartments as a transition.

2. The total price is low

The building area of apartments is generally relatively small. At present, most products on the market are around 30~50 square meters (but some are above 100 square meters), and the unit price is relatively lower than that of houses. The total price is generally not high, and the purchase threshold is low.

3. Diversification of uses

Because the land nature of the apartment is commercial land, the apartment can be used for self-occupation or office registration. Compared with residence, the choice of apartment is more diversified.

4. The supporting facilities are more perfect.

Apartments are generally located near subway or rail transit lines, and there is at least one large-scale business around them, and even some apartments are planned as commercial complexes. Mature transportation facilities and commercial facilities make life more convenient and attract a large population.

What should I pay attention to when buying an apartment?

1, pay attention to housing property rights

According to the relevant regulations, the nature of the right to use the house is consistent with the right to use the land, and the nature of the commercial house is only residential land, commercial land and industrial land. Buyers only need to check the land use column in the land use certificate of the property, and it is clear at a glance whether it is residential or commercial.

2. Choose brand developers

Compared with some small and medium-sized developers, brand developers have more brand strength, and the most important thing is to have good capital turnover ability. Moreover, such enterprises have a sense of responsibility and there will be no unfinished business.

3. It is recommended to choose a superior location.

When buying a house, it is recommended to choose an area with mature business circle and convenient transportation. On the one hand, it is easy to rent and the rent is guaranteed; On the other hand, because of the large appreciation space, it is conducive to other uses.

4. The level of property management determines the rental rate of houses.

Buying a house must first ensure that the supporting facilities of the community are perfect, especially the commercial facilities. Secondly, the security measures in the community should be guaranteed, and the feedback from the owners should be handled quickly, so that your rent can be guaranteed.