Apartments are becoming more and more popular with those investors because of their small size, low purchase price and unlimited purchase. In addition, the threshold for apartment loans is relatively low, so how much is the down payment for apartment loans? What are the disadvantages of buying an apartment? Let's take a look with Bian Xiao.

1. How much is the down payment for the apartment loan?

According to the relevant national laws and regulations, the property rights of apartments are mostly 40 years. At present, it is not limited to buying or lending. If the apartment wants to buy a house by mortgage loan, the down payment is 50%, and the longest loan period is 10 year. The apartment cannot apply for provident fund loan. In addition, the utilities of apartments and the property fees of residential areas are charged according to commercial standards.

2. What are the disadvantages of buying an apartment?

1, and the land use period is short.

The nature of land for business apartments generally belongs to the nature of "shopping malls, office buildings and hotels". The service life of the land is only 40 years and 50 years, and the service life of the apartment expires, so it is necessary to pay a high premium to continue to use the land.

2, high taxes and fees are difficult to change hands.

According to China's relevant policies and regulations, ordinary residential second-hand housing transactions do not need to pay land value-added tax, but commercial apartment second-hand housing transactions must pay land value-added tax. The collection of land value-added tax is generally based on the value-added amount of land transfer, that is, 30% to 60% tax is levied on the value-added part according to the value-added amount. In addition, a business tax of 5.5% is required according to the total transaction price of real estate. All taxes and fees add up to almost 10% to 14% of the total transaction price of real estate.

3. High mortgage interest rate and short service life.

Commercial apartments will not be affected by residential purchase restriction and loan restriction, but because apartments are commercial properties, apartment loans can reach up to 50% and the longest service life is 10 years, apartments cannot apply for provident fund loans.

4. Management fees and utilities are relatively expensive.

Water and electricity charges for apartments are charged according to commercial water and electricity charges. If the water fee standard of residential property is 2 yuan/cubic meter, then the water fee standard of commercial property is about 4 yuan/cubic meter; The standard of electricity charge for residence is 0.5 yuan/kWh, so the standard of electricity charge for apartment is probably 1 Yuan/kWh.

5. You can't go home without a degree.

If the house you buy is a business apartment, you can't enter the house. Many commercial apartments are located in the city center, and there are even famous schools nearby. However, because the apartment cannot be settled or enrolled, the appreciation potential of the apartment will be greatly reduced.

Apartment has the advantages of small area, low total price, unlimited purchase, rent and investment, but it also has disadvantages such as high down payment for loans, high transfer taxes and fees, and commercialization of water and electricity. The above is an introduction about the down payment of apartment loans and the disadvantages of buying apartments. Friends who want to buy an apartment can learn more about it.

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