The difference between commercial residence and civil residence

The main difference between commercial housing and ordinary housing lies in the nature of land use and property rights.

1, different land use years

The land use period of commercial housing is 40-50 years; The land use life of ordinary houses is 70 years.

2. The nature of property rights is different.

Commercial housing belongs to non-ordinary housing. Commercial housing construction is generally characterized by low-rise commercial outlets and high-rise residential buildings. Ordinary stock rooms generally do not have this situation.

3. The transaction tax is charged at 3% on the first purchase or transfer, and the residential property is1.5%; If the state levies property tax and land value-added tax, the standard of commercial housing will be higher than that of residential housing.

4. Most mortgage methods cannot apply for provident fund loans, but there are also a few projects that can be done through the efforts of developers. For another 40-year or 50-year house, the bank loan can only get 50% or 60% of the mortgage, and the longest loan period is 10 year.

5. If the daily living expenses are stipulated according to the use of public buildings, the use expenses of water, electricity and heating will adopt commercial prices. Therefore, for property buyers, ask clearly when buying a house. At present, most developers take corresponding remedial measures at the initial stage of development, which can be paid at the civil price.

6. Design standards have different design directions. Public buildings are less restricted by orientation, lighting and depth, while ordinary houses have higher requirements.

Commercial housing indicates that the property can be used for business and residence (some places call this kind of house "commercial housing", that is, it can be used for living and business).

Because some places in China (such as Beijing) have relevant management regulations that prohibit ordinary houses from being used for commercial and residential properties, the industrial and commercial departments have begun to stop handling industrial and commercial registration procedures for non-commercial houses or commercial houses. Commercial housing is no problem for registered companies, and some areas can even allow business activities.

Extended data:

Disadvantages of new residential buildings on commercial land;

1, service life

40 years for commercial facilities and 50 years for office buildings, which is more serious than 70 years for residential buildings.

Property right time, that is, land use right time, is not housing property right time. Because after the house is purchased, the property right of the house belongs to you, but you only have the right to use the land, but there is no ownership, and the land ownership belongs to the state. The state stipulates that the maximum annual transfer period of pure residential land use right is 70 years, and the maximum annual transfer period of commercial land is 40 years.

Therefore, it is possible that the house will have only 40 years of land use rights. After 40 years, the state has the right to recover the land and its attachments. 50 years or 70 years, it sounds as if it will have little impact on the current owners, but because the property law does not specify whether the right to use the property on the comprehensive land can be automatically renewed, it is still risky to buy commercial and residential dual-use houses on the comprehensive land.

Article 149 of the Property Law stipulates that the right to use residential construction land will be automatically renewed when it expires. The renewal of the right to use non-residential construction land after the expiration of the term shall be handled according to law. The ownership of houses and other immovable property on the land, if there is an agreement, shall be in accordance with the agreement; If there is no agreement or the agreement is unclear, it shall be handled in accordance with the provisions of laws and administrative regulations.

2. Transaction taxes and fees

The deed tax at the time of initial purchase or transfer is charged at 3%, and the residential property is1.5%;

References:

Baidu encyclopedia-commercial house