Business apartments with 40-year property rights are not limited to purchase in Changsha, and residents in the province can buy them at will. However, it is necessary to restrict the purchase of residential apartments and think clearly when buying them. At present, the down payment for apartments needs 50% of the total price, and the maximum loan period for apartments is 10 year. Property fees, water, electricity and gas fees are more expensive than ordinary houses, so you should think carefully about buying apartments.

What are the advantages and disadvantages of buying an apartment?

First, advantages

1, unlimited purchases and loans. At present, ordinary houses in many cities have implemented the purchase restriction policy, but apartments are not limited to purchase and loans. As long as you have money, you can buy several sets.

2. The total price is low. Usually, the apartment area is relatively small, mostly around 30 square meters to 50 square meters, so the total price of buying a house will be lower and the purchase threshold will be lower.

3. Various uses. Apartments are commercial in nature, which can be used for both living and office registration, and their uses are diversified.

4. The supporting facilities are more perfect. Apartments are generally located in relatively prosperous areas, and there will be some large shopping malls or commercial complexes around them. The facilities are mature, the transportation is convenient, and life and travel are very convenient.

Second, shortcomings.

1, low property rights. The apartment has low property rights. Because apartments are commercial land, the property right is generally forty or fifty years, while the property right of ordinary houses is 70 years.

2. The cost of living is higher. Apartments are commercial land, so electricity, water and property fees in daily life will be paid according to commercial standards, and the cost of living will be higher.

3. High down payment. To buy an ordinary house, you can use the provident fund loan. 30% down payment for the first suite and 40% down payment for the second suite. The apartment is not limited to purchase and loan, but you can't use provident fund loans, and the down payment is 50%.

There are many restrictions on supporting facilities. For the sake of safety, many apartments can't cook with an open flame, so they can only cook with induction cookers and microwave ovens. In addition, apartments can not be settled, nor can they enjoy the school district housing facilities in this area.