There are many people who are struggling when choosing a parking space, mainly because they don't know the specific precautions and the method of parking space loan. I am afraid that buying a parking space with low cost performance will affect my future expenses. The following contents are as follows: do you need to pay management fees for long-term vacant parking spaces, and what is the loan interest rate for parking spaces?

There are many people who are struggling when choosing a parking space, mainly because they don't know the specific precautions and the method of parking space loan. I am afraid that buying a parking space with low cost performance will affect my future expenses. The following contents are: do you need to pay management fees for long-term vacant parking spaces, and the interest rate of parking space loans? If you are interested in the choice of parking spaces, you can refer to the following introduction, which should be more helpful.

Do you need to pay management fees for long-term vacant parking spaces?

Some places have drawn up management measures, and parking fees are required for parking spaces used by motor vehicles, and vacant parking spaces are free. Temporary parking in the property management area is free for 2 years, and the excess fees are charged; Vehicles, such as performing official duties, delivering goods to owners, and maintenance services are free, and so on.

The Property Law does not stipulate and regulate the management fees for vacant parking spaces. The charging standard for parking spaces in residential quarters is the charging standard implemented after the property management company draws up the charging details and reports them to the local real estate authorities, and it is implemented according to the price standard formulated by the Price Bureau.

What's the interest rate for parking loan?

(1) According to the individual housing loan interest rate. The annual interest rate of the loan is 4.77% for five years and 5.04% for more than five years;

(2) According to the parking loan interest rate applied separately. The interest rate of loan term 1 is 5.3 1%, loan term 2-3 is 5.49%, loan term 3-5 is 5.58%, and loan term 5- 10 is 5.76%.

Parking loan is higher than the benchmark interest rate of the central bank. The loan amount of China Agricultural Bank shall not exceed 60% of the appraised value of the collateral, and the loan period shall not be longer than 10 year. The amount of parking space loan handled by Bank of Communications shall not exceed 70% of the transaction price, and the loan period shall not exceed 65,438+00 years. Minsheng Bank limited the loan object of parking spaces to the parking spaces in the residential area where the first-hand housing loan of Minsheng Home is located. The loan amount does not exceed 60% of the transaction price of parking spaces, and the same loan period does not exceed 10 years.

Parking loan application conditions:

1. The borrower must be a permanent resident of the place where the loan bank is located, aged 18, and have full capacity for civil conduct;

2. The borrower has a parking space in the community and can provide corresponding guarantees (real estate mortgage, pledge or third-party guarantee approved by the cooperative bank) and real estate information;

3. The borrower can provide relevant certification materials to prove that the money is really used to buy parking spaces.

4. The borrower has sufficient ability to repay the principal and interest, good personal credit status and no record of non-performing loans.

What is introduced above is whether the parking space is vacant for a long time and the interest rate of the parking space loan. I hope to help more people understand these basic contents and find more suitable parking spaces. In fact, parking spaces can also be loaned. However, we should also calculate various interest rates. If the interest rate is not calculated clearly, we may spend a lot of money in the future, and we don't know, which will often affect our quality of life.

Second, 90% of the owners don't even know that they have to pay management fees to buy a parking space!

I finally bought a parking space, but I was told to pay the management fee. The shopkeeper said he was depressed.

Two days ago, some netizens broke the news that they bought a parking space in the community and had to pay 30-50 so-called health fees, street lamp fees and management fees every month. I think it's unreasonable! Bian Xiao searched, there are so many people who don't know that they have to pay management fees! However, many netizens expressed their understanding of the behavior of paying management fees for parking spaces. But opponents think, why do you have to charge management fees when you spend money on parking spaces? If you still charge management fees, isn't it equivalent to leasing in disguise?

Price bureau regulations

In this regard, law enforcement officials pointed out that according to the Notice of Liuzhou Price Bureau on Printing and Distributing the Guiding Standards for Parking Charges in Liuzhou Residential Quarters (Liu Jia [20 14]No.10/No.), "Owners only pay parking space property fees when parking in their own parking spaces (), and there is no need to pay parking service fees. The parking space property fee shall not exceed 60 yuan/month each. " Judging from the contract and the publicity of charges, the parking space property fees charged by the property have laws to follow, and they have not exceeded the standard, but have also been publicized.

The reason for charging is that after purchasing the parking space, the property should manage the fire protection, sanitation, lighting and ventilation of the parking space, but the parking fee must follow the market-adjusted price.

At present, the notice (Liu Jia [2014]10/No.) also stipulates that the monthly ticket for indoor parking in residential quarters (including parking space rental fee and parking service fee) is 250~300 yuan/parking space and 200~250 yuan/parking space.

Lawyer's statement

Lawyers believe that there is no "parking permit" in various real estate documents, and developers can't actually get formal documents from the housing management department when selling parking spaces. Therefore, when buying a parking space, the developer can't sign a formal contract similar to the house sales contract with the owner, mostly a paper lease agreement. Although the parking space is nominally bought by the owner, it is actually a disguised lease.

Then the question is coming,

Is it cost-effective to rent a car?

Or is it cost-effective to buy a parking space?

According to the statistics of Liu Fang. Com data center, the parking space price in Liuzhou is 600,000 ~ 300,000/vehicle, with an average price of130,000/vehicle, while the average parking space price is 250 yuan/month. At first glance, parking spaces are much cheaper than car parking spaces. Then with a service life of 70 years, we can calculate an account.

Your daily parking cost is 6.98 yuan/day, while your parking space is 9.86 yuan/day, which is 4 1% more expensive than buying a car. The possibility of land depreciation is not great, and both houses and parking spaces have appreciation potential. In the long run, because of the price trend, the preservation and appreciation of parking spaces and the relative scarcity under the influence of supply and demand, buying a parking space is more cost-effective than renting one.

However, from the perspective of funds 636f707932313133532363136353313333661,it can be seen that if this 1.3 million fund is used for financial management,

Finally, do you think it is reasonable to charge management fees for parking spaces? Express your opinion in the message area ~

(The above answers were published on 20 17-06-08. Please refer to the actual situation for the current purchase policy. )

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