What are the advantages and disadvantages of duplex building? 1, advantages of duplex building: good visual impact.
Duplex building is a relatively new type of apartment, which is still quite popular today. The overall visual impact of duplex buildings on the height of plane buildings is very good. Because the general duplex building has a smaller area, the design scheme will be more efficient, and multi-functional rooms will be divided, and then the visual impact will be better.
2. Advantages of duplex building: the system partition is remarkable.
Because the duplex residence design is divided into two floors, the system partition is very obvious. Generally, the lower floor is a common part, such as living room, kitchen and so on. The top floor is mostly used for rest and sleep quality. The room has several embedded closet and stairs, so each part is divided. Because it runs in a family or other families with many main members, duplex building is a good first choice.
3. Advantages of duplex building: high utilization rate.
Duplex building has an outstanding advantage, that is, its utilization rate is very high. Don't think that the area of the re-examination building for postgraduate entrance examination is not too large, but it will improve the area utilization rate after being divided into two floors. This is very affordable for buyers who buy small apartments.
4. Duplex building defect: poor sound insulation effect.
Large duplex buildings need to pay attention to the problem of sound insulation and noise reduction. Because the indoor space of the duplex building may not be concrete, but wooden baffle, the sound insulation and noise reduction, fire safety and safety factor are poor. According to the new project, at this stage, large and medium-sized developers have improved the floor plan design and building materials.
5. Defect of duplex building: weak lighting and ventilation.
The defect of weak lighting and ventilation is not found in all duplex buildings, but also in some duplex buildings with smaller rooms. Due to the limited space of small-sized duplex buildings, duplex houses are all wide at the top and small at the bottom. If the orientation of the house is not good, natural ventilation and lighting will be bad. Therefore, you must check the direction on the spot when buying an apartment.
6. Duplex building defect: the stairs occupy the position.
Stairs are essential things in duplex buildings and occupy a very large position. The area occupied by several duplex stairs is about 10- 15 square meters. The design scheme of natural flat floor is not very good, and there is also the problem of corridor occupying space. Relatively speaking, small duplex stairs waste more. And some people will find it inconvenient to leave and right stairs, especially the elderly and children.
Can I still get a loan if I resume paying the provident fund after it is sealed? After the provident fund is sealed, you can apply for a loan after a certain period of maintenance and payment. The actual number of months depends on local requirements, usually six months or one year. Do not meet the corresponding specifications, temporarily unable to apply for loans. After meeting the loan qualification, those who sign the contract online can apply for provident fund loans, and the account balance before the provident fund is sealed can also be used to calculate the credit line of the provident fund loans.
How many years does the provident fund loan buy a mortgage 1, and the borrower's repayment ability endangers the loan period.
When making a loan, the bank will check the borrower's income to ensure that the borrower's monthly income is enough to repay the monthly housing loan. The monthly payment generally does not exceed 50% of the income.
2. The borrower's age will also affect the loan term.
When applying for a mortgage loan, the age of the borrower is an indispensable factor for approval. Generally speaking, as long as your borrower is over 18 years old, you can apply for a mortgage loan. It is stipulated that the borrower's age plus the loan period cannot exceed 65 years, otherwise it will not be accepted.
Therefore, the younger the borrower, the longer the loan period can be handled. If you are over 40 years old, the longest loan period can only be less than 25 years.
The building you bought is so old that you can't get a loan for the longest period.
The age of the building is also a key factor to define the loan term, especially for the purchase of second-hand houses. Financial institutions will comprehensively calculate the loan term according to the length of the remaining right to use the house. If the building is too old, it may not reach the maximum loan period.