Nowadays, young people demand exquisiteness in buying a house, so more and more people will choose to buy an apartment. The structure of the apartment is simple and fashionable, but when you buy it, you should worry that some apartments can't be bought with provident fund loans. Today, Bian Xiao will tell you the difference between apartments and ordinary commercial houses.

1. What kind of apartment can use provident fund loans?

1. Land is the standard for residents to live and live, but it is the style of apartment. At this time, the apartment belongs to a 70-year-old residential apartment. Generally, apartments with large property rights can be purchased with our provident fund loans. When buying, you must make sure it is a property with big property rights.

2. The apartments in normal big cities are all commercial, especially the top floors of commercial buildings. This type of apartment has a general property right of 40 years and belongs to a small property right house. This apartment can't be bought with provident fund loans, but only with commercial loans.

3. Single apartment is also a commercial real estate, and the property right is only 40 years, so it is not allowed to use provident fund loans.

Second, the advantages of choosing an apartment

1, the price of apartments is cheaper than that of houses, and the pressure of repaying loans every month will not be great.

If you don't live in an apartment, you can rent it to others. This investment method will not lose money.

3. The apartment is generally beautiful and finely decorated. You don't need to spend time decorating yourself Just take the bag to buy daily necessities, which is very in line with the fast pace of young people.

4. If it is encountered, the compensation fee for commercial land is three times that for ordinary houses.

Third, the shortcomings of choosing an apartment.

1. Most apartments are small property rights with only 40 years of property rights. After the property right expires, a renewal fee is required.

The apartment building is very crowded, and an elevator can be used by more than 20 households.

3, the cost of living is high, and the daily coal, electricity and water property fees are more expensive than normal houses.

4. the apartment can't be settled, and the children at home can't go to the surrounding schools.

The above are the basic differences between apartments and residential buildings, both of which have their own advantages and disadvantages. Generally speaking, apartments are suitable for young people. If there are many people in the family, children and the elderly, Bian Xiao does not recommend choosing an apartment building. Everyone can consider it in many ways and choose the house that suits them best.

Second, can I use the provident fund to buy a house after buying an apartment?

If you don't use the provident fund loan for the first apartment you bought, then the provident fund loan for the second suite can be enjoyed according to the first suite policy, that is, the down payment below 90 square meters can be 20%. It should be reminded that there are different standards for the identification of second-home provident fund loans in different provinces, and the specific requirements are subject to the provisions of the local housing provident fund center.

3. Can I buy an apartment with a provident fund loan?

1. You can buy an apartment with a provident fund loan.

But when we buy an apartment, we should distinguish what kind of apartment we buy. One is a business apartment, and the other is a commercial and residential apartment.

If it is a business apartment, then we can't use the provident fund loan. We can only use commercial loans. If we buy an apartment building that is both operational and habitable, we can use the housing provident fund loan to buy an apartment.

The above is all about using provident fund loans to buy apartments, hoping to help netizens.

4. Can I buy an apartment with a provident fund loan?

Apartments are generally 40 years of property rights, belonging to commercial housing, and cannot use the provident fund.

Commercial housing cannot apply for provident fund loans.

At present, provident fund loans are mainly for residential buildings, and provident fund loans can be used for commercial and residential dual-use houses that are actually used as houses.

The use is commercial and cannot be used.