Why not recommend buying a loft apartment?

Loft apartment is not worth buying for the following reasons:

First, the height of the floor is easy to shrink. Although many floors are 5 meters high, they are uncomfortable and depressing to live in, and the first floor is not like the first floor;

Second, it is popular for young people to be layered up and down, and the movement is separated, but the stairs with double-layer duplex structure are inconvenient for the elderly and children;

Third, the decoration is expensive, upstairs and downstairs, with many details, and the space layout is laborious and expensive;

Fourthly, this kind of structure, because the interlayer is steel structure, has poor sound insulation effect and poor lighting. Because there is no balcony, it is difficult to dry and the living comfort is poor.

The difference between an apartment and a house

1, the land use period is short.

Compared with residential buildings, the land use of apartments is mostly commercial. Compared with residential land, the service life of such land is only 40 years, that is, 70 years. At present, according to the provisions of the Civil Code, the right to use residential construction land is automatically renewed when it expires. There is no clear statement about commercial land. However, in case of demolition, according to the relevant provisions of the Measures for the Administration of Compensation for Urban Demolition, the compensation fund for demolition of commercial land is higher than that for ordinary houses. Compensation area for commercial demolition 1 exchange 3, compensation area for residential land demolition 1 exchange 1 In the long run, the renewal of commercial land can also be clearly settled. If you want to buy an apartment, 1+3 buying an apartment to be demolished is quite profitable.

2, high taxes and fees are difficult to change hands.

Generally, second-hand houses in apartments pay 5% more taxes than houses. Of course, this is all from the buyer, but the high cost also restricts the transfer.

3. The mortgage interest rate is high and the life span is short.

Although commercial apartments are not affected by residential purchase restriction orders and loan restriction orders, because they are commercial properties, they can only get loans with the highest 50% and the longest term 10 years, and they cannot apply for provident fund mortgages with lower interest rates. At present, the interest rate of apartment loans for commercial land is generally 1. 1 times the benchmark interest rate. Compared with residential buildings, the interest expenses of apartments are much higher, which is not cost-effective. Interest costs should be calculated into the purchase of property or rational investment.