Unlimited loans and purchases of apartments, the nature of the house is not residential, and the property right is not 70 years. You can buy several serviced apartments or commercial and residential houses at will, with the loan not exceeding 50% and the interest rate rising 10%. Can't use provident fund loans.
No matter how many sets you bought and how many times you borrowed, as long as you repay them normally, it will not affect your future mortgage. Because the target of the new policy does not include non-residential apartments, and apartments with 40-year property rights are not limited to purchase and loans, and they do not occupy the "first suite" index, which drives some funds suppressed by the policy to turn to the apartment market.
The apartment is not limited to purchase and loan, which is relative to residential commercial housing and does not need to buy a house. Anyone with money can buy it, with a down payment of 50% for ten years. It is precisely because these apartments are used for investment rather than for people to live in, so there is not much competition.
The difference between an apartment and a house
1, different living comfort
Ordinary houses are mostly two stairs, three households or four households, with few people living, which will not bring trouble to travel and have better privacy. And apartments are generally two stairs with ten households, or even more, with many people living and low security and privacy.
2, the use cost is different
The utilities of ordinary houses are charged according to the standards of civil hydropower; Commercial apartments belong to commercial houses, and utilities are charged according to the standard of commercial water and electricity consumption. In the long run, the water and electricity expenditure of residential buildings will be half less than that of apartments.
3. Different property rights.
The use authority of ordinary houses is generally 70 years; According to the land type of the plot, the right to use the apartment is generally 40 to 50 years.
4. Different lighting conditions
Some commercial apartments have no windows in bathrooms and kitchens, and balconies are also inner balconies, so the lighting conditions are not very good. According to the Code for Design of Residential Buildings, residential buildings must meet the sunshine, lighting and other related conditions. Therefore, most of the current houses are bright kitchens and bathrooms, and the lighting conditions will be much better than those of commercial apartments.
5. Different supporting facilities
Apartments need to meet the standards of 24-hour elevator and 24-hour hot water, and most apartments cannot use open flames such as gas; The living facilities of general commercial housing are relatively not so perfect.