Is it appropriate to buy commercial housing? Five differences between commercial housing and pure housing

Is it appropriate to buy commercial housing? What are the characteristics of commercial housing compared with pure housing? Many property buyers know little about this problem. Today, I will share some related knowledge with you, hoping to give you practical help.

Many property buyers are forced to choose commercial housing because of the qualification problem. Commercial housing can fill the needs of some buyers. Before buying a commercial house, you need to know the following points:

1. Commercial housing cannot be settled.

Whether you can settle down is the most concerned issue for many property buyers, but the reality is that commercial housing can't settle down and you can only be given a temporary place to live. If you buy a house and settle down, you should choose to buy a pure residential property with 70-year property rights.

2. The term of property right is shorter than that of pure residence.

What to do after the expiration of property rights, there is no accurate statement, but on this issue, commercial housing is obviously not so dominant, and it has only spent a huge amount of money for 40 years. To say the least, even if the land transfer fee can be repaid at that time, how big is the money?

3. The cost of living is higher.

The water and electricity cost of commercial housing is much higher than that of pure housing for 70 years. Even some commercial houses have no gas, so they can only cook with an induction cooker and bathe with a water heater.

4. you can't use the provident fund.

As we all know, the interest rate of provident fund loans is lower than that of commercial loans. Choosing provident fund loans can save a lot of money for buying a house, but it is very inconvenient for buyers to use provident fund. In addition, we should understand that the minimum down payment ratio of commercial real estate is 50%, which requires very high purchasing power of buyers.

However, commercial housing also has its own advantages. Compared with pure housing, commercial housing is not limited to purchase, which is why many people choose to buy commercial housing. Cities like Beijing and Shanghai need to pay social security for five years in a row to be eligible to buy a house, and it is not so troublesome for buyers to buy a house.

(The above answers were published on 20 16-05-24. Please refer to the actual situation for the current purchase policy. )

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