Advantages of commercial and residential dual-use houses
There are many small apartments, mainly 40-80 square meters, and the total price is low;
Civil air defense and fire protection construction standards are relatively high;
For cities with restricted purchases, commercial and residential purchases are not limited;
There is a loft apartment, and buying 30 square meters is equivalent to buying 60 square meters.
Defects of commercial and residential dual-use houses
High down payment and high loan interest rate
The down payment for purchasing commercial and residential dual-use houses is greater than or equal to 45%;
The loan term is less than or equal to 10 year;
The loan interest rate shall not be lower than 1. 1 times the interest rate of the same grade in the same period;
Housing provident fund can only be withdrawn, not used for loans.
The cost of living is relatively high.
Property management fees are commercial standards, which are higher than ordinary houses and generally higher than 3 yuan/square meter/month;
For commercial water and commercial electricity (water: 6.2 1 yuan/ton for commercial water and 4 yuan/ton for civil water; Electricity: commercial electricity 1.25 yuan/kwh, civil electricity 0.48 yuan/kwh).
PS: For commercial safety reasons, many commercial and residential projects prohibit the use of gas in whole or in part.
The term of land use right is short.
Ordinary residence: service life, residential land 70 years; Automatic renewal after expiration.
Commercial and residential building: the service life is 50 years, and it will be handled according to law after expiration.
Matters needing attention in purchasing commercial and residential dual-use houses
Clarify the basis for payment of future use fees. When purchasing, the buyer should ask whether there is water, electricity, heating, etc. Use commercial prices. Some developers will take corresponding remedial measures, and some fees can be paid at civilian prices.
Whether the selected project is equipped or not, non-residential projects generally do not force kindergartens, schools, medical institutions and corresponding old-age services.
First of all, commercial and residential areas, commercial areas and residential areas are different buildings, relatively independent, and even the supporting facilities and public facilities of the community are independent, so avoid mixing them.
Secondly, commercial and residential stratification, commercial housing distribution in the lower level, residential buildings above commercial housing. Hierarchical management divides the space between commercial and residential buildings and self-occupied buildings (note: when buying such properties, try to choose independent access roads and separate elevators. Residential facilities and public facilities * * * projects with low enjoyment)
Finally, we should avoid the confusion between business and housing.