First, the definition of commercial and residential dual-use housing
The so-called commercial and residential dual-use, that is, products that can work and live, is an extension of SOHO (home office) housing. It belongs to a residence, but at the same time it incorporates many hardware facilities of some office buildings, allowing residents to engage in commercial activities while living.
Second, the property rights of commercial and residential dual-use houses
The property rights of commercial and residential dual-use houses are generally only forty or fifty years. According to the relevant provisions of the Property Law, the right to use residential construction land will be automatically renewed upon expiration. "Non-residential construction land use right" cannot be automatically renewed. Therefore, compared with ordinary houses, the hidden cost of commercial and residential dual-use houses is actually very high.
Three. Taxes and fees for commercial and residential buildings
"Commercial and residential dual-use" projects can not pay deed tax according to residential standards at present. In the process of transfer, the relevant expenses are calculated according to the business, and the transfer deed tax is 4%, and the transfer deed tax for ordinary houses is 2% (not exceeding 144 square meters). At the same time, business tax and land value-added tax are also levied on commercial transfer.
Fourth, commercial and residential housing loans
Commercial and residential dual-use houses are not limited to purchase or mortgage, but such houses cannot enjoy the tax preferential treatment of ordinary commercial houses. The loan term is generally less than 10 year, and the down payment is relatively high, about 50%, which is much higher than 30% of the first ordinary house. The loan interest rate is 1. 1 times that of the ordinary house, so you cannot apply for provident fund loans.
Summary of shortcomings of verb (abbreviation of verb) commercial and residential dual-use house
Settlement problem+cost problem+security problem
Disadvantage 1: Commercial and residential dual-use houses generally cannot be settled.
Commercial and residential houses are generally not allowed to move into hukou, which means that even if there are good educational resources around, children can't move into schools because of hukou. This invisibly caused inconvenience to the owner's life and study.
Disadvantage 2: "Commercial and residential" houses have high living costs.
The water, electricity and property fees of commercial and residential dual-use houses are all commercial standards, which are much higher than residential projects, and various taxes and fees are also higher than ordinary houses. In other words, buyers have to bear a higher cost of living.
Disadvantage 3: the safety of commercial and residential dual-use houses is also worth worrying about.
Commercial-residential dual-use houses mix business and residence, which are called "business" and "residence", but they bring a lot of trouble to both sides. In an owners' forum, many owners posted posts reflecting that businesses were seriously disturbing people, and some reflected that businesses closed their business hours too late at night.
The above is the relevant analysis and answer about "Can commercial and residential dual-use houses be bought?" There are many restrictive factors in commercial and residential dual-use houses. Many people may not care much when buying a house, but they may find many problems after actually moving in. It is suggested that if you want to buy, you need to be cautious, so you can ask people who have already bought this kind of house for advice.