The interest rates for apartment loans and residential loans are different. The interest rate points for apartment loans are a little higher than the interest rates for residential loans. In addition, there are provident fund loans for residential properties with extremely low interest rates, so there is no difference between the two. Same. However, the total price of an apartment is much lower than that of a house. In fact, it is cheaper to buy an apartment.

The difference between houses and apartments

1. Different living comforts

Ordinary houses are mostly two-stairs, three-family or four-family, with fewer people living there. It won’t cause any trouble when traveling, and the privacy is better. Apartments usually have two staircases and ten households, or even more. There are many people living in them, and security and privacy are very low.

2. The usage costs are different

The water and electricity bills of ordinary residences are charged according to the domestic water and electricity standards; while commercial apartments are commercial housing, and the water and electricity bills are based on commercial water and electricity usage. Electricity standards are charged. To put it into perspective, utility bills for a home will be half as much as for an apartment.

3. Different property rights years

The use rights of ordinary residences are generally 70 years; the use rights of apartments are generally 40 to 50 years depending on the land type of the land where they are located.

4. Solve the different household registration regulations

Commercial apartments are projects built on commercial land and are commercial in nature, so they cannot solve the household registration problem. If it is a residential property, different regions will have different requirements. As long as the corresponding conditions of the region are met, home buyers can solve the household registration problem.

5. Different lighting conditions

Some commercial apartments have no windows in the bathroom and kitchen, and the balcony is also an inner balcony, so the lighting conditions are not very good. According to the "Residential Building Design Code", residences must meet relevant conditions such as sunlight and lighting. Therefore, most of today's residences have open kitchens and bathrooms, and the lighting conditions are much better than commercial apartments.

6. Different taxes and fees

The taxes and fees to be paid when buying an apartment and a house are also different. Buying an apartment will have to bear more taxes and fees. Take personal tax as an example. If it is the only residence of the family and the purchase time exceeds five years, you do not need to pay personal tax. However, if the property sold is non-residential property, individual tax must be paid regardless of the situation.

7. Different supporting facilities

Apartments need to meet the standards of 24-hour elevators and 24-hour hot water, and most apartments cannot use gas and other open flames; general commercial residences The living facilities are relatively not that complete.