Which appreciates faster, apartment or house?

Buying a house or an apartment is a difficult choice. Some people choose to buy a house because the service life of the house is longer and the utilities are cheaper, but some people choose to buy an apartment because the apartment is more beautiful and the loan threshold is low. So how to choose? Let's look at the disadvantages of buying an apartment first.

1, and the land use period is short.

Compared with residential buildings, commercial apartments mostly belong to "shopping malls", office buildings or hotels. Compared with residential land, the service life of this commercial apartment is 70 years, so the service life of this commercial apartment is only 40 to 50 years because of different categories, and the commercial apartment can only be used after the expiration of the high premium land life.

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

According to the policy, second-hand residential transactions can be exempted from land value-added tax, but commercial apartment transactions cannot be exempted. Generally speaking, the land value-added tax is levied according to the value-added amount of the land sold, which means that the value-added part is levied at 30% to 60% of the value-added amount. In addition, a business tax of 5.5% is levied on the total transaction price of real estate, and all taxes and fees add up to 10% to 14% of the total transaction price of real estate.

3. High mortgage interest rate and short service life.

Although commercial apartments are not affected by residential purchase restriction orders and loan restriction orders, because they are commercial properties, they can only issue loans with a higher 50% and the longest term of 10 years, and cannot apply for provident fund mortgages with lower interest rates. At present, the loan interest rate of commercial projects is generally 1. 1 .3 times of the benchmark interest rate, while the loan interest rate of residential projects is mostly 1. 1 times. Compared with the residence, the interest expense of the apartment is much higher, which is not cost-effective.

4. Management fees and utilities are relatively expensive.

Compared with residential buildings, management fees and utilities will be much higher, because apartments are charged according to the standards of commercial utilities. For example, the charging standard of water plus sewage treatment fee for residential property is 2 yuan/cubic meter, and the charging standard of water for commercial property reaches 4 yuan/cubic meter; The standard of residential electricity charge is 0.5 yuan/kWh, and the standard of apartment electricity charge may be 1 Yuan/kWh. In addition, the management fee for business apartments is generally 3-0 10 yuan/m2/month, which is much higher than the price of ordinary houses 1 to 4 yuan/m2/month.

5. You can't go home without a degree.

Can't buy a commercial apartment. Although many commercial apartments are located in the core of the city and there are famous schools nearby, they can't enroll because they can't settle down. This will greatly reduce the profit of the old city property, which has been favored by the market for its degree advantage.

The above are the shortcomings of buying a house compiled by Bian Xiao, hoping to help you.

(The above answers were published on 20 17-0 1-23. Please refer to the actual purchase policy. )

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