Can I buy a house with 40-year property rights? A detailed introduction to the advantages and disadvantages of houses

At present, China's real estate industry is in a new stage of development. Many real estate developments have not been gradually improved, and the population buying houses is gradually declining. It is for this reason that many real estate developers have integrated people's demand for housing in the market and built houses with 40-year property rights. What does a 40-year house mean? It means that people can only have the right to live for 40 years after buying a house. So is a 40-year-old house worth buying? Bian Xiao's article today will explain for you.

Advantages of 40-year property right house:

1、? Good location: this kind of project is often located in the core area of the city, and the location is rare. The surrounding residential atmosphere is mature and the transportation is convenient. On the one hand, some projects are office buildings themselves, and companies can be registered; On the other hand, houses can be rented to small companies, and the rental income is far greater than that of ordinary houses.

2、? Low threshold: The low total investment threshold is the main reason why "40-year and 50-year property houses" are sought after by investors. The unit price is several hundred yuan to 1,000 yuan lower than other surrounding projects per square meter, and the area is mainly concentrated between 30 square meters and 90 square meters, especially for some units of 30 square meters to 50 square meters. For many young people or investors who buy houses for the first time, the threshold is low and the acceptance is high.

Disadvantages of 40-year-old property right house:

Because the nature of land is commercial compatible residence and comprehensive land, even if it is developed into a residence, the living expenses, house purchase taxes and fees, and secondary transaction costs will be much higher than those of a 70-year-old residence due to different charging standards.

1. Uncertain living expenses: according to the provisions of commercial use, the use cost of water, electricity, etc. Commercial prices will be used. The price of water and electricity is about 1 times higher. However, at present, most developers take corresponding remedial measures in the early stage of development, negotiate with the government, and promise to charge according to the civil water and electricity standards, but they don't know how to pay the law before they actually hand over the house.

2. No tax preference: the deed tax of ordinary residential projects will be levied by half at the time of initial purchase and subsequent transfer, that is,1.5%; For houses with property rights of 40 years and 50 years, the deed tax shall be paid at 3%.

3. loan restrictions:? Generally, you can't apply for provident fund loans to buy such properties. A house with 50 or 40 years of property rights can only borrow 50% or 60% if a bank loan is used; Interest is also different, the height of commercial and residential buildings is about 1%, and interest fees are paid more every month.

4. Product structure is affected: commercial and residential properties are less restricted by orientation, lighting and depth. And the living comfort is lower than that of ordinary houses. There are generally no balconies and hanging gardens.

Buying a house is a headache for many families, not only because of the soaring housing prices, but also because of the problem of housing property rights. The above small series analyzes whether the 40-year-old property right house is worth buying, including the advantages and disadvantages of buying a 40-year-old property right house. Relatively speaking, there are many such houses in China at present, and every developing city is building such houses. It can not only control the flexibility of product planning, but also meet the needs of users in function. However, whether a 40-year-old house can be bought depends on the user's personal thoughts. I hope Bian Xiao's article can help everyone.