What is the difference between an apartment and a house?

Living and working in peace and contentment, these four words are the universal definition of a better life in China.

Living in the front also shows the importance of owning a house of your own, and also represents a sense of belonging. Although this word has been shouted by developers and real estate sales for a long time, it is undeniable that the sense of belonging is really just right.

But it is getting harder and harder to buy a house now, because the purchase restriction is getting stricter and stricter, and I am not qualified to buy a house. However, I was worried about the rising house prices in the future and missed the opportunity to get on the bus. So a friend asked me if I could buy an apartment and get on the bus first, and then sell it before changing rooms.

Then let's analyze whether to buy an apartment or not. Let's look at the difference between a house and an apartment first.

From the above picture, we can still see that there is a big difference between a house and an apartment. What are the advantages and disadvantages of apartments compared with houses? Let's talk about it in detail below.

Let's talk about shortcomings first

First, the mortgage interest rate is high.

At present, mortgage interest rates in many cities have risen to varying degrees, even for residential commercial loans, but the interest rates of apartments in the same city are higher than those of houses, and apartments do not support provident fund loans, which undoubtedly increases a considerable part of the cost of buying houses.

Second, the holding cost is high.

Most apartments are mainly commercial water and electricity, and the price is equivalent to twice that of residential buildings. Few apartments are connected with gas, so life is more troublesome. Therefore, the cost of holding an apartment is much higher than the cost of holding a house.

Third, the business tax is high.

In the sale stage, the house has paid the deed tax or obtained the real estate license for 2 years (5 years for individual cities or buildings), and it is usually exempt from tax when selling.

And this apartment in the sale stage, pay too many taxes and fees, we calculate an account:

The apartment should pay value-added tax and its additional tax, individual tax, stamp duty and land value-added tax.

VAT payable = total transaction price ÷( 1+5%)×5%

Surcharge payable = VAT payable × 12%

Income tax payable = (current transaction price-original purchase price-reasonable cost) ×20%

Stamp duty is five ten thousandths of the total transaction price.

When the apartment is sold, the miscellaneous tax will generally exceed 15%. Even a little increase may be used to pay taxes.

Fourth, the value-added speed is slow.

In the same location, the appreciation rate of apartment prices is generally not as fast as that of residential buildings. Take Langfang, Hebei Province as an example. Similarly, next to the new municipal government, residential buildings have increased by 6000/m 2 in three years, while apartments have only increased by about 3500/m 2 in three years.

Of course, the apartment is not all bad. For example, apartments around Beijing CBD have a high rate of return, but they are generally not available.

Fifth, the housing is not practical.

Because apartments usually adopt open management, anyone can enter and leave at will, which has certain security risks; Moreover, a large number of households will inevitably lead to poor huxing, and it is basically difficult to have a pure and transparent huxing. One-way apartment is the mainstream of apartments, with poor orientation, poor lighting conditions and poor vision.

In addition, it also involves the issue of their own settlement and children's schooling. At present, only apartments in Nanshan District, Futian District and Luohu District in Shenzhen can apply for degrees, and apartments in most parts of the country can not meet this most important concern.

In addition, the longest loan period is only 10 year, which also causes a relatively high monthly payment burden.

The 40-year-old apartment itself is not a big problem, but the issue of renewal is not clear.

At this point, the apartment is simply a big pit. Can't you buy it? But in fact, it can't be killed with a stick. The advantages of apartments are always irresistible.

What are the advantages?

First, the area is small, the total price is low and the unit price is low.

In the same location, the unit price of apartment 15- is 25% cheaper than that of residence. In addition, the total price of a small apartment with an area of 20-60m2 is often less than half of that of a house, and the down payment threshold is also very low. Meanwhile, the interlayer can be used to increase the area.

Second, you can register a company.

The land nature of the apartment belongs to business, which means that you can register a company or provide this qualification to a startup company that needs to be affiliated. The policy stipulates that "one address, multiple photos" are allowed.

Take Hangzhou as an example, the income from providing a taxi place is equivalent to half a month's rent income, and it does not affect the rental of this apartment to tenants, which is equivalent to double or even multiple times the income.

The third advantage is also the most important.

-Unlimited purchase!

This is one of the main reasons why many people consider apartments, and it is also the biggest difference from residential buildings at present.

In cities where residential purchases are restricted, this undoubtedly provides a very low threshold for buying a house. Of course, now Beijing, Shenzhen and other cities also implement apartment purchase restriction policies.

Generally speaking, apartments have advantages and disadvantages. If you want to buy them, you must carefully identify what kind of apartments are valuable.

What kind of apartment is worth buying?

A lot. line

If you are in the core area with convenient transportation and mature facilities, such as schools, business districts or industrial clusters, the places where these people are concentrated are easier to rent and the rental income is relatively stable.

High rental return

The main return on apartment investment is rent. According to the international professional financial management standards, whether the property value matches the investment is 15 years.

In other words, when preparing to buy an apartment, we might as well first calculate whether the rent of 15 years can recover the cost.

Of course, you don't have to recycle it at 15 to buy it. Many apartments in China can't reach it. In fact, as long as the upfront rent can cover your monthly payment, it will be very good. Because with the depreciation of prices, rents are rising every year.

Choosing a city is very important.

It is worth buying in the core areas of first-tier cities or areas with considerable potential in the future. The popularity of apartments in some second-and third-tier cities is actually just an illusion that demand is squeezed by purchase restrictions.

Finally, Alex would like to remind you that the value of an apartment lies in its long-term holding, because the transaction cost is too high, so don't have the idea of investing in an apartment in the short term.

If you own a house and can't afford another, it is entirely possible to invest in a quality apartment.

If you just need the first suite, it is recommended to save money, or wait for the policy to be loosened. It is best to start with housing.