1. Differences in property rights:

Apartments can be roughly divided into two types, namely residential apartments and business apartments. Among them, the land used for ordinary apartments is residential land with a property right of 70 years; the land used for business apartments is comprehensive land used with a property right of 40 or 50 years;

The general property rights of residential buildings are 70 years.

2. Differences in loans

Apartments are products with no purchase restrictions or loan restrictions. The down payment is 50%. There is no need for deep-seated household registration or five-year social security, and there are no purchase restrictions. Residential properties are more complicated. First of all, the housing requirements are Shenzhen households or five consecutive years of social security, and there are also purchase restrictions; the minimum down payment for housing is 30%.