Parking spaces can be bought by loan. Generally speaking, only when the borrower has applied for a mortgage in this bank, and then the garage parking space and the property corresponding to the mortgage must be in the same community, the bank will give the loan. The longest parking loan is 20 years.

Matters needing attention in purchasing parking spaces

1, parking space property right problem

There are two main types of parking spaces, one is the property parking space, which can apply for the certificate of immovable property rights, and the other is the parking space with the right to use, which cannot apply for the certificate of immovable property rights. You must buy a parking space with property rights, so as to ensure that the parking space can be transferred to others without restriction in the future. If it is a parking space with the right to use, the owner only has the right to use, but has no ownership, which will affect the appreciation of the parking space and will be restricted in the future.

2. Location of parking spaces

If you really want to consider buying a parking space, you must not be greedy and cheap. When building underground parking spaces, it is impossible to consider the size and location of each parking space, which will cause some parking spaces to be small or irregular, or in a bad position, such as columns next to them. Small parking spaces and poorly located parking spaces are cheap, but parking is more troublesome and it is more difficult to transfer in the future. At that time, money will not be saved much, and the problem of unsatisfactory parking spaces may make car owners worry for a long time.

3. Cost performance of parking spaces

When buying a parking space, it is best to judge the cost performance of the parking space and the parking space. For example, the parking space in the community is relatively high, there is no shortage of parking spaces, the selling price of parking spaces is high, and the rental price is low, so the cost performance of purchasing parking spaces may not be high. For example, buying a parking space needs1.2000 yuan, and renting a parking space only needs 200 yuan every month, so renting a parking space needs more than 2000 yuan a year and 20000 yuan for ten years. If you want to buy a parking space, you not only have to pay1.20 thousand directly, but also pay a property management fee of tens of yuan every month, so it is more cost-effective to temporarily rent a parking space. Moreover, if the parking space is relatively high, the space for appreciation of the parking space is relatively small.