6 common sense that must be known when buying commercial and residential dual-use houses

Commercial housing is generally commercial land, and its utilities will be more expensive and charged according to commercial standards; In addition, the collection of property fees for commercial housing is rarely restricted by government departments, and its property fees are usually high. Therefore, the cost of living for buyers' housing will be higher.

2, property rights.

The land type of commercial housing is commercial or comprehensive land, and the property right period is 40 or 50 years. After the expiration of the buyer's housing property right period, it cannot be automatically renewed like residential housing. Everyone needs to take the initiative to apply for land renewal. Our land renewal request may be rejected and its land property rights will be recovered by the government.

3. Supporting facilities

Commercial housing is generally commercial land, and commercial projects will not force the design of supporting service facilities, such as schools, hospitals, pension services, neighborhood committees and other service facilities, which will bring inconvenience to our future life. Moreover, many cities stipulate that property buyers can't settle in their own houses, and they can't enjoy entering the school nearby.

4. Comfort of life

Under normal circumstances, commercial housing projects have high plot ratio, low greening rate, large pool area and high residential density; Many commercial houses are closed, which will bring inconvenience to our future life; And some people buy commercial housing for office, some people rent it out, and some people live in mixed rooms.

Step 5 get a loan

Property buyers can only use the full housing or apply for commercial loans. Under normal circumstances, the minimum down payment ratio of buyers' housing is 50%, the loan period is 10 year, and the loan interest rate will also be raised. Buyers' housing will bring us some financial pressure.

6. taxes and fees

The transaction tax of commercial housing will be higher than that of ordinary commercial housing, so you can't enjoy the relevant preferential tax policies, such as the difference of business tax *5.6% and the deed tax *3%. Commercial housing is difficult to sell because of the high transaction tax.