Can commercial and residential dual-use houses be settled?
As far as land use is concerned, the state only defines "residential and non-residential" land, but does not clearly define the "land use" of commercial and residential buildings. The so-called "commercial and residential dual-use" is generally the concept of land use, that is, a plot can be used for both commercial housing development and residential development. However, after the completion of the construction project, the specific use of the house can be commercial or residential.
Whether commercial and residential dual-use houses can be settled depends on the property right nature of the houses. In other words, if the house is residential, there is no doubt that it can be settled. If it is commercial, it cannot be settled.
What are the advantages and disadvantages of commercial and residential dual-use houses?
Advantages of commercial and residential dual-use houses
1, the unit price and total price for commercial and residential use are indeed lower.
2, the use area may be relatively large, because many commercial and residential dual-use houses are loft. They are all very high, usually above 4.5 meters. Can be divided into two layers. So although you bought a 60-square-meter apartment, your usable area will exceed 100 square meter every once in a while, which looks even bigger.
3. Unlimited purchase. This is the core advantage of a big city like Beijing and Shanghai.
Generally, houses for commercial and residential use are finely decorated, so you don't need to spend too much energy on decoration.
Disadvantages of commercial and residential dual-use houses
1, short property right.
The property right of commercial housing is only forty or fifty years. Generally speaking, the property right of commercial housing is 70 years, and the property right of commercial housing has been reduced by 20-30 years. If the property right expires, it is unacceptable for many people to spend money to extend the term, and the application for possible renewal will also be rejected.
2. High water and electricity costs
The utilities of ordinary residents' houses are very cheap, because they can enjoy the tax benefits provided by the state. But there is no commercial housing, so even if it is used for living, it should be charged according to the standard of commercial housing. Not only will the water and electricity charges be much higher, but the property fees will also be much higher than those of ordinary metropolitan residential quarters.
3. Listing transactions are restricted.
The property right of commercial housing is only forty or fifty years, and the property right is short. Property buyers are more willing to buy a house with 70-year property rights, which will have a longer service life and can be automatically renewed. In terms of transaction taxes and fees, commercial housing needs to pay more.
4. Only some areas are allowed to settle down.
For most property buyers, the purpose of buying a house is not only to live, but also to settle down. However, commercial and residential dual-use houses in most areas are difficult to settle down, and only some areas are allowed to settle down. For those who want to buy a house, it is difficult for property buyers to achieve the goal of settling down.
5. The loan pressure is high.
At present, many people will choose loans when buying, but as far as commercial housing loans are concerned, they generally cannot apply for provident fund loans. Bank loans, the loan amount will generally be less, the interest will be slightly higher, and the loan period will be shorter, so the economic pressure on buyers will be greater.
6, the living comfort is not high
Commercial housing is semi-commercial and semi-residential, so compared with ordinary residential areas, it will be noisy and not as quiet as residential areas. LOFT commercial housing is more common, often divided into two floors, but the height of the second floor is relatively low, and it is also relatively depressing to live. Commercial housing is generally not equipped with a parking lot, and it is inconvenient for residents to park.