(Liuzhou Sohu Focus) Commercial housing, which is what we often call apartments, is called business apartment. Its characteristics are small size and low total price. At present, foreign real estate companies such as Liuzhou Evergrande Jade Dragon Court and Wanda have developed apartments of a certain size. Zhenghe City in Liudong New District, developed by local real estate companies in Liuzhou, is also launching apartments. The advertisement says "100㎡ apartment, The total price is 365,000, with a down payment of 50,000." From this point of view, the price is indeed low!

So, are these commercial houses (apartments) suitable to buy?

Information map

The mainstream commercial and residential units on the market are divided into two types:

1. A large flat-floor room with a bathroom. This type of unit has an average area. Small, usually around 50 square meters;

2. LOFT apartment type. The floor height of this type of apartment is usually more than 4.2 meters, so it can be divided into upper and lower floors, so many sales are advertised as "buy one floor and get one free".

Property rights issues

Commercial housing is generally built on commercial land and comprehensive land planning, so the property rights are generally 40-50 years.

Loan issues

The maximum term of a commercial housing loan is only ten years, provident fund loans cannot be used, and a down payment of 50% is required. In this way, the monthly payment is not too low. As for Zhenghe City's so-called down payment of 50,000, that is because Zhenghe City arranged the down payment in installments.

Decoration cost

1. Flat-floor commercial housing

Flat-floor commercial housing has a large bay with a separate bathroom. The decoration cost is low. You can choose to purchase rough materials. house.

2. If it is a LOFT apartment, due to the addition of a mezzanine, the upper space needs to be rebuilt, and the decoration cost is quite high. It is more suitable to buy a hard-decorated room.

Area and unit type

Commercial housing rarely has north-south transparent units with different orientations. The number of residents per floor is usually many times that of an ordinary house. In addition, due to higher fire protection standards and other reasons for commercial housing, the housing acquisition rate is usually only about 70%.

Living experience

Most commercial houses do not have gas connection, and water and electricity are charged according to commercial standards. Some developers can obtain water and electricity, but this cannot be written into the contract and there is no legal protection.

Listed for trading

Most people who buy commercial housing have two purposes, one is temporary residence and the other is investment, which involves transaction issues. The transaction cost is much higher than that of ordinary residences. This issue will be explained in detail later.

In short, although commercial housing has some advantages (such as low total price), there are also many constraints. It’s a matter of opinion. In addition, commercial and residential properties in the suburbs of cities should be purchased with caution due to their low commercial value.

(The above answer was published on 2016-05-20, please refer to the actual current relevant home purchase policies)

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