Apartment, house or shop, which one has more development prospects in the future?

Under the trend of normalization of real estate regulation, the difficulty of investing in real estate is gradually increasing, and the day of buying a house "lying and earning" is about to pass. Which of the three mainstream real estate types, apartments, shops and houses, has more investment value? Today we will briefly analyze it.

Apartment: unlimited purchase and loan, but the investment cost performance is poor. Advantages 1. Unlimited purchase, which is weakly affected by real estate regulation.

The apartment we are talking about here generally refers to "commercial apartment", that is, the land type is commercial or commercial and residential. Since it is a business, it means that it is not affected by real estate regulation. The biggest advantage is unlimited purchase, unlimited loans and unlimited family housing. Even if you buy a residential apartment, as long as the land use (indicated on the real estate license) is commercial, it will not affect the identification of the first suite and the second suite.

Advantage two, the unit price is cheap.

In the same street or the same lot, the unit price of apartment buildings is often 70%, 80% or even more cheaper than that of residential buildings. In other words, if you buy two houses in the same lot, you may be able to buy three apartments. Moreover, many apartments are small in area, which further reduces the investment cost.

Advantage 3. Flexible living and renting.

After all, apartments are both commercial and residential, can be occupied by themselves, and can be registered in office, so they are very popular with some entrepreneurial companies and small and micro companies-front office, back office, and seamless connection between work and life.

In addition, due to the high cost of property, water and electricity, apartments are generally higher than the same lot in terms of rent.

Disadvantages 1. The loan cost is high.

You can't apply for a mortgage when you buy an apartment with a loan, but you can only take a commercial loan from the bank. General banks set their own prices, and different banks have different interest rates, but the overall interest rate is definitely higher than the mortgage.

In addition, apartment loans are generally up to 10 years, not 30 years of mortgage.

Therefore, although the unit price of the apartment is cheap, if you don't pay the full amount, but take the loan, the financing cost will be higher.

Disadvantage 2. The living comfort is low.

In order to give consideration to business, the design of apartment buildings sacrifices comfort. As the picture shows, apartment buildings are generally crowded, and the pool is about 30% or even higher. There is almost no so-called north-south connection, so the comfort of living will be greatly reduced.

If you have both investment needs and housing needs, living in an apartment building may be even worse.

Disadvantage 3. Higher transaction taxes and fees.

Buying and selling houses generally involves only deed tax and individual tax. If it is "only five years old", it is exempt from individual tax.

When buying and selling apartments, the deed tax is charged at 5%, and the individual tax cannot be reduced. In addition, it also involves about 5% business tax, 1% land value-added tax, income tax, stamp duty and so on under certain conditions.

Generally speaking, personally, unless you are an entrepreneurial enterprise and need a close relationship between office and life, you can consider commercial and residential apartments. For pure investment, it is not recommended to invest in an apartment unless the location is very good and can afford the full amount.

Shops: The returns are considerable, but there are also many benefits. First, it is not limited to purchase and is not affected by real estate regulation.

This is similar to an apartment, so I won't go into details. At present, the regulation of the property market generally only involves housing and does not affect all kinds of shops.

Advantage 2. The initial investment cost is low.

The price of many shops is around several hundred thousand yuan, and the investment cost is far lower than that of apartments and houses.

Advantage 3: Wangpu has considerable income and is suitable for providing for the aged, even for generations.

Although there are few real shops, catching up with one can be described as "a thousand dollars without spending". If the shop you buy belongs to a popular business circle, you have strong management ability, and the flowing water of Wangpu will be very considerable. Even if it is rented, the rental-to-sale ratio of shops is higher than that of apartments and houses.

Disadvantages 1. It is difficult to choose a site, and it is even more difficult to shop well.

Although the income of Wangpu is considerable, it is rare after all. We need to accept the fact that most shops are not satisfactory. Although many buildings and properties have played gaudy propaganda words, the final return of shops is too closely related to the stability of lots, people flow and property management, especially lots, which is almost an important reference to decide "life and death".

Disadvantage 2. It is easy to have a gap, and it is not easy to shoot.

If you buy a shop and sublet it, compared with apartments and houses, it is easy to have a vacant period and a renovation transition period.

Disadvantage 3. Facing the risk of false investment and fraud.

Negative reports about the store have not appeared less in recent years.

One of the common "pits" is that developers made a lot of publicity at the beginning of the opening, but after the opening, the popularity was bleak and rents soared, which triggered businesses to defend their rights; Second, the promise of "after-sales charter" and "fixed income XX%" was finally broken, and it was suspected of defrauding merchants; Third, the developer's operation is unstable. Once there are problems such as suspension of business, illegal construction and demolition, the investment in shops often faces huge losses.

Housing: Just-needed housing is the most familiar type of housing, but I personally suggest that we should be very cautious in investing in housing at this stage, and the real estate regulation and control under the guidance of the principle of both housing and housing will continue as normalization. The two swords of property tax and second-hand housing tax are still hanging on the head.

Advantages 1. The loan cost is low.

You can buy a house with a mortgage or even a provident fund loan. The interest rate should be the lowest loan interest rate that ordinary people can get, and the longest loan can be 30 years.

Advantage 2. There is a certain appreciation potential.

Among these three types of real estate, the appreciation potential and certainty of housing are relatively large-of course, this is for cities with sustained net inflow of population and reasonable industrial structure. In the next three to five years, those cities that are suitable for living seem to have greater potential.

Advantage 3: Good liquidity and low turnover rate.

Compared with shops and apartments, housing has the greatest market demand, so its liquidity as a financial asset is very good.

Housing is easier to realize than shops and apartments, and there is no such high transaction rate as apartments. Therefore, it is regarded as the best property, and it is also highly recognized by banks when lending.

Disadvantages 1. The rent-to-sale ratio is too low.

Generally speaking, the rent-to-sale ratio of first-tier and quasi-first-tier cities is generally within 2%, while that of second-tier and third-tier cities will be higher, but it is difficult to reach 4%. This figure is slightly worse than that of apartments, and it can't catch up with the return of shops.

Disadvantage 2. Real estate regulation and control

Taking housing as the main control object, the investment attribute of housing is restricted by means of purchase restriction, sale restriction and loan restriction. Therefore, from the trend, the future prospect of investment real estate is not very clear. Personally, I suggest that for most cities where housing prices have risen due to the monetization of shed reform, we should be cautious and even properly sell investment properties. It is not recommended that friends who are not fully sure invest in housing.

To put it simply, from the liquidity of real estate, that is, the difficulty of selling it: residence > apartment > shop; From the rental rate of return: shops > apartments > houses.

In fact, whether investing in apartments, shops or houses, there is nothing more than following a principle: city-region-lot. In the core areas and mainstream areas of first-tier cities, no matter which of these three properties is extremely valuable and value-added. A good location is often a symbol of wealth and status.

Therefore, determining the location is the basis of investment and the premise of investment profit, and then it is meaningful to analyze the advantages and disadvantages of the three.