Can the apartment be settled?

At present, 40-year-old apartments in most cities in China cannot be settled, and a few cities can be settled if they meet the conditions. There are two kinds of apartments, one is the residential land taken by developers, which can be settled, and the other is the city in the city, which is built by some developers themselves. The apartment built by the developer has a degree, but it can't be settled, but you can study here.

What are the disadvantages of buying an apartment?

1, short land use period:

Compared with residential land, the service life of this commercial apartment is 70 years, so the service life of this commercial apartment is only 40 to 50 years because of different categories, and the commercial apartment can only be used after the expiration of the high premium land life.

2. High mortgage interest rate and short service life;

Although commercial apartments are not affected by residential purchase restriction orders and loan restriction orders, because they are commercial properties, they can only get loans with the highest 50% and the longest term 10 years, and they cannot apply for provident fund mortgages with lower interest rates. At present, the loan interest rate of commercial projects is generally 1. 1 .3 times of the benchmark interest rate, while the loan interest rate of residential projects is mostly 1. 1 times. Compared with the residence, the interest expense of the apartment is much higher, which is not cost-effective.

3. Management fees and utilities are relatively expensive:

Compared with residential buildings, management fees and utilities will be much higher, because apartments are charged according to the standards of commercial utilities. For example, the water plus sewage treatment fee for residential properties is 2 yuan per cubic meter, and the water charge standard for commercial properties will reach 4 yuan per cubic meter; The standard of residential electricity charge is 0.5 yuan per kilowatt hour, and the apartment may be 1 yuan per kilowatt hour.

4, no education can't enter the house:

Can't buy a commercial apartment. Although many commercial apartments are located in the city center and there are famous schools nearby, they can't enroll because they can't settle down. This will greatly reduce the appreciation potential of the old city property, which has been favored by the market for its degree advantage.