Be alert! If you don't know these cold knowledge about apartments and houses, you may suffer a big loss.

After the epidemic, the most obvious feeling is that prices are rising and inflation is almost inevitable.

The global situation is complicated, stock funds dare not touch it, and the price of gold has skyrocketed, so they dare not act rashly. In this case, real estate investment has become the best way for many people to resist inflation.

There are various types of real estate in the market. Besides shops and office buildings, apartments and houses are the most common.

And many people often can't tell the specific difference between an apartment and a house. We will give you a popular science lesson today.

Pure dry goods, recommended collection.

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Difference 1: residential houses have different uses.

Apartment is a commercial building, and its positioning is both commercial and residential. This has both advantages and disadvantages.

The advantage is that the apartment can be used as a house for personal use, a rented office, etc. Strong functionality, but the disadvantage is that it is mainly used for business, so there is no gas supply.

However, in order to make profits, some developers connect rooms with sewers and gas, and transform ordinary apartments into so-called "commercial and residential dual-use".

In contrast, residential buildings have high living comfort and are suitable for long-term living in various aspects such as structural characteristics.

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Difference 2: Different property rights.

The property right of an apartment is generally only 40 years, and in some places it is 50 years.

After deducting the planning and construction time after the developer takes the land, the apartment with 40 years of property rights may only take about 35 years or even less when it is actually handed over to the owner.

This means that after 35 years, the house may face a considerable land use fee, otherwise it may be recovered free of charge.

Residential, that is, commercial housing, property rights for 70 years.

The land use right of the house is 70 years, and you can apply for continued use free of charge after the expiration. So the long-term value of the house is far greater than that of the apartment!

Note: The term of property right we are talking about is calculated from the time when the developer takes the land, not from the date when we buy it and the time when we get the real estate license.

Article 149 of China's Property Law stipulates that the maximum life of residential land is 70 years, that of commercial land is 40 years (including special 50 years), and that of comprehensive land is 50 years. It is now clear that the application renewal fee one year before the expiration date shall not exceed 5 digits, and the minimum shall not be less than 15.6/㎡.

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Difference 3: In terms of price, the apartment is lower than the house.

The main reason why many people are interested in apartments is that the price of apartments is lower than that of houses.

But buying a house is not just about the price. Because the apartment has commercial function, its living function is poor.

The house is not suitable for long-term living in terms of lighting, sound insulation and building spacing. In addition, apartments often have mixed populations and lack privacy and security.

In addition, the down payment ratio of apartments is often higher than that of houses, generally requiring 50%, and only commercial loans can be made. The loan period is only 65,438+00 years, so there will still be some pressure for people with relatively tight funds.

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Difference 4: the daily cost is high, the late transfer cost is high, and the value added is limited.

Because the apartment is a commercial land, its water and electricity charges are calculated according to the commercial water and electricity prices, which are almost twice as high as those of residential buildings, and the property fees are much higher than those of ordinary houses.

In addition, in the long run, due to the limited appreciation space and high resale tax rate, second-hand apartments are actually not easy to sell, and can even be as high as 10-20% of the house price!

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Difference 5: apartments are generally not limited to purchase and cannot be settled.

In the current environment, especially in first-and second-tier cities with tight housing and limited loans, apartments are not limited to purchase and loans.

However, residential purchases are restricted and loans are limited.

In addition, apartments, as commercial houses, generally cannot be settled, so the chances of apartments becoming school districts are very small.

Houses can be settled, and school districts can be divided. When it was resold as a second-hand house, it also inherited the school district house. So its advantages are self-evident.

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Difference 6: the difference between taxes and fees of second-hand transactions.

Apartment-Second-hand transfer needs to pay 3% deed tax, and the main transaction taxes are business tax, personal income tax and land value-added tax.

The transfer of residential-second-hand transactions needs to pay 1%~3% tax, and the main transaction taxes are business tax and personal income tax.

Conclusion:

Should I buy a house or an apartment? In fact, this is still the purpose of returning to buying a house: is it pure investment or just self-occupation?

Pure investment, apartment investment is the least, the most suitable for rental. However, it is still not recommended to buy self-occupation and second-hand transfer. Self-occupation or self-occupation and investment, housing is more suitable.

Article source: Xi An property market intelligence