Being alone in Shenzhen, is it better to buy a small apartment or a single apartment?

It is recommended to buy a house for self-occupation, with a down payment of 30% and a loan of 30 years. The pressure is relatively small, and I can live comfortably at home, all in the garden, and the proportion of stairs in the number of households is relatively small.

50% down payment for apartment, maximum loan 10 year. No provident fund loans are needed, only commercial loans are needed, and the interest is high. The proportion of commercial water consumption and commercial electricity consumption is too small. Generally, there are twenty or thirty households with six ladders, and there is no garden, so the home is not very good. There are places to buy a house, but there are no places to contact my new property, and the property management fee is exempted for five years.