Beijing commercial housing purchase restriction policy

1. Only individuals or families who have no housing or commercial housing ownership records in Beijing can buy;

2. Have paid personal income tax or social insurance for five consecutive years in Beijing five years before subscription, or paid personal income tax for five consecutive years;

3. Social organizations, enterprises and institutions shall not use the commercial housing for residence after purchasing it. When the commercial housing is sold again, the purchaser must be a social organization, enterprise or institution.

4. When building commercial housing, real estate developers will not be forced to design supermarkets, schools and other related supporting facilities, and the land for commercial housing is commercial land, so the land use period is only forty or fifty years, and buyers are required not to apply for housing provident fund loans when purchasing commercial housing.

What do you need to know to buy a commercial and residential building?

1, the land transfer period of commercial housing is generally only 40 to 50 years, and that of ordinary housing is 70 years;

2. The minimum down payment ratio of commercial housing is 50%, the loan period generally cannot exceed 10 year, and the loan interest rate shall not be lower than 1. 1 times of the interest rate of the same grade in the same period, so housing provident fund loans cannot be used;

3. Commercial housing cannot be settled;

4, commercial housing can not enjoy schools, businesses, neighborhood committees and other supporting services;

5. In the process of purchasing and using commercial housing, you can't enjoy the reduction of residential taxes and fees, and the transaction and holding costs are high;

6, commercial housing utilities, heating costs, property fees and other cost standards are higher than ordinary residential, and commercial housing basically no gas, can only use induction cookers;

7. The residential density of commercial housing is relatively high and the livability is poor;

8. Because it is difficult to set up an industry committee, it is also difficult for commercial housing owners to defend their rights. Moreover, commercial housing is not a residence, and many rights and interests used for living are not protected by law.