My daughter works in Shanghai, but she is not qualified to buy a house. She wants to buy a commercial apartment. what do you think?

First of all, no matter what the reason for buying a house is, commercial housing and commercial and residential apartments are suitable for living, but they are completely two concepts. Personally, I suggest not to buy commercial and residential apartments for the following reasons:

First, you can't settle down, which is actually a key point. A few years ago, the policy changed, and many people in Shanghai went to the city government to protest. In fact, those people took advantage of the settlement policy at that time. Because the price is cheap, you can open an account in Shanghai, so many people bought it at that time. But the protest had no effect. Due to the inability to settle down, many people no longer choose commercial housing. Therefore, few developers try their best to build commercial and residential apartments, which will be gradually eliminated in Shanghai in the future.

Second, the nature of property rights is different, and the concept of property rights is relatively large, which is related to daily life as follows: 1. The property right of commercial housing is 70 years, and that of general commercial housing is 50 years.

2. Commercial housing can use provident fund loans, and commercial apartments can only use commercial loans, which seems to be at most 10 years. The taxes paid vary greatly.

3. The prices are different. The utilities of commercial housing are the national standards, and even the property management fees are priced according to the market, which is relatively cheap. The charging standard for commercial and residential apartments is subject to commercial pricing. Under normal circumstances, utilities will be 2-3 times more expensive than commercial housing, and property fees will be more than 10 times more expensive.

4. "Neighbors" flow. After buying a commercial house, neighbors are basically owners and rarely change people. However, commercial and residential apartments are different. Many people rent it temporarily. You will find that several families around have been changing their owners, and some even rent out their offices, which is unsafe.

Third: there is no room for appreciation in the future. There are few new commercial and residential apartments in Shanghai, some of which are mainly rented and will not be sold in large quantities. There will be fewer and fewer commercial and residential apartments in the future, and there is no room for appreciation. You want to sell, nobody wants to take over. Even if it is rented out for a long time, the rent will be several grades higher than that of commercial housing. Only rented to some small companies. What do small companies do with it? Few people really work in it. As a temporary warehouse, the house is difficult to control because several people live in it.

Summary: the only advantage of commercial housing is that it is not limited to purchase or loan. If you want to take root in Shanghai, I suggest you try your best to meet the requirements of the Shanghai government (such as points, education, working years, and even finding a husband in Shanghai), and then buy a commercial house. If you just want to find a place to live in Shanghai, you can rent a better commercial house, which is cheaper and doesn't bother you.