2. Different taxes and fees: Commercial apartments pay higher taxes and fees than residential apartments. In addition, if the second-hand commercial apartment is traded, neither individual tax nor value-added tax can enjoy the reduction or exemption policy of the house.
3. The loan interest rate is different from the down payment: commercial real estate loan banks have high down payment and interest rate, so they cannot use the provident fund, and the loan period is only ten years. The down payment and interest rate of residential apartment loans are much lower, and the longest loan period can reach 30 years.
4. Different living expenses: the living electricity, water and property fees of commercial apartments are charged according to commercial purposes, which is much higher than that of residential buildings. According to the civil charging standard, the price of residential apartments is much lower.
5. Different living environment: the living density of business apartments is relatively high, the sunshine and ventilation conditions are relatively poor, and there are almost no public activity areas and green landscapes downstairs. Residential apartments, like ordinary houses, have higher living environment comfort.
Disadvantages of commercial apartments
1. Short land use period: For commercial apartments, the land use is mostly "shopping malls", office buildings or hotels. 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. If the renewal application is not passed, your land property rights will be recovered. The house is not yours either.
2. High water and electricity costs: apartments are charged according to the commercial water and electricity charges. If the charging standard of residential property water and sewage treatment fee is 2 yuan/m3, the charging standard of commercial property water will reach 4 yuan/m3; The standard of residential electricity charge is 0.5 yuan/kWh, and the standard of apartment electricity charge may be 1 Yuan/kWh.
3, no ventilation: for safety reasons, apartments are generally not ventilated, cooking can only use induction cookers and the like. Moreover, the kitchen is generally open, and it is easy to smell the smell of oil smoke; In addition, there is the possibility of dark guards, and the owner will be troubled by odor for a long time.
4. The down payment for buying a house is high and the transfer fee is expensive. Compared with a 70-year-old ordinary house, apartments have to pay a lot of fees when they are resold, which adds up to about 10-20% of the house price. In addition, the general apartment needs a high down payment, generally 50%.
5, the apartment area is small: apartments are generally relatively small. About 50-70 square meters. The overall structure is uneven and visually oppressive. And it is only suitable for singles and newlyweds.
6. Go to school: When you decide to buy a house in a city, you are likely to take root in this city, but the apartment has a fatal problem, that is, you can't get into the house. So if you have children in the future, it will be difficult to solve the problem of going to school, because you can't move into your hukou if you buy an apartment.