So when it comes to the term property right, what will you think of at the first time? 40 years of commercial and residential, 70 years of residence, many people will answer the 30-year time difference! yuqiancyh
However, you forget that besides jet lag, there are also these important things! ! !
1, and the loan requirements are different.
Under normal circumstances, houses with property rights for 40 to 50 years cannot apply for provident fund loans. The down payment of bank loans is mostly 50%, the longest loan period is 10 years, and the interest rate is higher than 70 years of property rights. So although it seems that the total price is low, the down payment pressure and monthly supply pressure are relatively large. Relatively speaking, a 70-year-old house is either a provident fund loan or a commercial loan. The down payment for the first suite in most cities is 30%, and the longest loan period is 30 years. At present, among the preferential interest rates for loans over five years, the provident fund is 3.25% and the commercial loan is 4.9%.
2. Paying taxes and fees is different.
If buyers choose a new house with 70-year property rights, the taxes and fees they need to pay are mainly deed tax and housing maintenance fund, and deed tax can enjoy certain preferential policies. However, houses with 40-year or 50-year property rights have no deed tax concessions and must pay 3% tax in full.
3. The pool area of the house is also different.
Whether it is industrial comprehensive land for 50 years or commercial land for 40 years, the planning and design standards are higher than those of ordinary houses for 70 years, so the pool area is relatively higher. The specific external manifestations are large halls, many stairs and many entrances and exits.
4. The standards of utilities are different.
70-year-old property houses are charged according to general standards, but because 40-year or 50-year-old property houses are used for industry or commerce, the charging standard for utilities and other expenses is commercial hydropower.
5. The settlement policy is also different.
For buyers who want to settle down, it must be noted that they cannot choose houses with 40 or 50 years of property rights, and only houses with 70 years of property rights can meet the basic settlement standards. In addition, the same is true of children's schooling. Houses with property rights of 40 to 50 years are not within the scope of school district division.
Therefore, parents who want to buy a school district house should look carefully and start buying it during the property right period, otherwise they will spend a high price to buy a house that can't go to school. This is "carrying home".
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