In fact, many people are aware of some of its shortcomings before buying commercial and residential apartments. To sum up, they can be summarized as follows:

1. It is difficult to get a loan and the down payment is high. (The down payment must not be less than 50, the loan must not exceed 10 years, and the interest rate is about 1.1 to 1.2 times the base interest rate);

2. Tax discounts cannot be enjoyed;

3. Cannot settle down;

4. Cannot enjoy the enrollment policy;

5. Cannot enjoy provident fund loans;

6. The property rights are mostly 40 or 50 years, relatively Compared with ordinary residences, the period of property rights has been significantly reduced;

7. The cost of living is relatively high. Most commercial and residential apartments do not have gas connections, and cooking and bathing rely entirely on water and electricity.

Although commercial and residential apartments have the above disadvantages, in the face of the hot real estate market, the market demand for commercial and residential apartments is still huge, and the reason why most home buyers turn to commercial and residential apartments is because The reasons are nothing more than two points:

1. Commercial and residential apartments are small in size and low in total price, and can be used for investment;

2. For big cities with purchase restrictions, buying commercial and residential apartments is Apartments will not occupy the qualifications for purchasing pure residences, that is, there are no purchase restrictions.

As we all know, if you want to buy a house in big cities like Beijing and Shanghai, you not only have to face high housing prices and carry huge debts, but more importantly, you have to accept the test of purchase restriction policies.

It takes five years of continuous social security payment to gain the valuable qualification to buy a house. But after five years, how much will house prices in big cities rise? Faced with this dilemma, more and more people are beginning to turn to commercial and residential apartments for buying houses. Even though it has shortcomings of one kind or another, with the two major advantages of low total price and no purchase restrictions, commercial and residential apartments are in today's market. It is also hard to find a house in the real estate market.

However, those who plan to buy commercial and residential apartments in 2017 should be careful. If you buy a commercial or residential apartment now, you are likely to face a situation where you will lose both your money and your house.

The thing is like this. Recently, enthusiastic netizens reported to Fangdai123 that at the beginning of 2017, in order to control rising housing prices, Shanghai has suspended sales of many commercial and residential projects, covering Shanghai. Multiple benchmark projects in various districts and counties. According to statistics, with the exception of Jinshan District, 128 commercial and residential projects in China have been suspended for sale.

With the implementation of the policy, some projects have now entered the stage of in-depth rectification. It is understood that the rectification projects require the removal of partition walls, water pipes and gas pipelines before the end of March; at the same time, the floor height 4.5-meter units will no longer be allowed to build interlayers, eliminating the residential attributes of the project and putting an end to the appearance of "LOFT".

Although this move has suppressed the property market to a certain extent, buyers who have already purchased such projects will suffer huge losses and pay for the policy.

Judging from the Minhang District Government’s deadline rectification of fifteen commercial and residential projects, the commercial and residential projects are divided into three categories:

The first category includes those that have been sold but Those that have not yet been inspected for occupancy;

The second category, those that have been sold but have not been completed and accepted;

The third category, those that are under construction but have not been pre-sold and accepted.

To put it simply, as long as the project party has not organized the owners to move in, the property will be included in the scope of rectification. Those projects that have already had owners collectively move in may not be within the scope of rectification this time. It has become an established fact that the property will be released first. On the other hand, it seems that the red line for this rectification is whether to check in. If not, all rectifications will be made.

The netizens who reported this situation to Rong360 were forced to accept the reality of rectification after they had already paid the down payment, applied for the loan, and even completed the online signing. That is to say, once the home buyer The commercial house you bought is located in a renovation project, and the only possible consequences you will face are - paying millions in bank loans, paying rent, and guarding an empty room that belongs to you but cannot provide you with a place to stay!

(The above answer was published on 2017-03-10, please refer to the actual current relevant home purchase policies)

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