_ Why don't you buy an apartment?

Now most young people tend to choose apartments when buying a house, because the price of apartments will be lower than ordinary houses, and the location is also very good, which can also alleviate the economic pressure of buying a house and solve the housing problem. However, experts say that people are not advised to buy apartments, so why not advise you to buy apartments? Is it really impossible to sell an apartment? Next, I will introduce the reasons why I can't buy an apartment.

Why not advise you to buy an apartment?

1, high down payment, limited loan

Because the down payment of ordinary housing only accounts for 20% of the house price, the loan method is not limited, and both provident fund and commercial loans can be applied. The down payment of the apartment accounts for 50% of the house price, that is, you have to pay half of the house price at one time, and you can't apply for provident fund loans, so you can only choose commercial loans with high interest rates.

2. Can't settle down

There is no way for an apartment to fall into a single household. Even if you are qualified to settle down, you can only get a collective account. Collective accounts are not kept by individuals, so it is not convenient to lend them when needed. Moreover, if the collective account does not fall into the unit, if you change jobs in the future, you have to deal with the account.

3. Bad apartment living experience

Environment: Generally, apartments are built in business districts or business districts, and there is basically no living environment.

Corridor: apartments don't pay attention to a few stairs, and residents like houses. The corridor of the apartment is like a tubular building, and an aisle connects all the residents on this floor.

Density: The area of each apartment is usually relatively small, which means that there are a large number of neighbors on each floor. Plus the corridor mentioned above, the people in the apartment building are still quite noisy.

Elevator: For the above reasons, the queue situation of elevator is much more serious than that of residence.

Housing acquisition rate: due to the long corridor area, the overall housing acquisition rate of apartments is relatively low, usually around 72%, or even less than 70%.

Neighbor: Generally, there are many tenants in the apartment and many small companies work, so the neighborhood environment is relatively complicated.

Matching: most of the gas in the apartment does not enter the home.

The living cost of the apartment is very high.

Utilities: Most apartments use commercial water and electricity. Compared with residential water and electricity, the monthly water and electricity cost will be about twice as high.

Property fee: The property fee of apartments is usually several times that of similar houses, and some apartments even charge more than 8 yuan.

There are fewer and fewer people buying apartments now, which makes it difficult to sell apartments. So, after buying an apartment, you really can't sell it?

1, the apartment is not easy to change hands.

Buying an apartment is not easy to change hands. In the second-hand housing market, apartments are actually not popular. First, taxes and fees are high. Second, more demand in the market is ordinary commercial housing, and apartments are not easy to change hands.

2. The apartment tax is very high.

Most apartments are commercial in nature, with high taxes and fees. Deed tax: 5% of the total house price, business tax: 5.5% of the total house price, land value-added tax: 65,438+0% of the total house price, income tax: (present value of the house _ original value of the house) *20%, stamp duty: one ten thousandth of the total house price, house transaction fee: 65,438+0.9% of the total house price, and property registration fee: 550 yuan.

These are the reasons why you are not advised to buy an apartment. Is it really impossible to sell an apartment? It can be seen that buying an apartment is not recommended unless you have enough funds. If you have to choose, it is also recommended to buy an apartment in the city center, with complete facilities and convenient life, preferably close to the wage earners. Relatively speaking, with high rental rate and high rent, it is easier to gain more appreciation space.