Shenzhen apartment can get a loan. Generally, the down payment is about 50%, and the loan period is about 10 years. Of course, some developers can make a down payment of 4.5%. Of course, apartments are also divided into business apartments and single apartments. There are also differences in service life. Some early apartments still have a service life of 70 years. If gas and electricity are connected, this apartment can be determined by the actual property certificate information. Another kind of commercial apartment has a service life of only 40 -50 years, which is usually unlimited at the time of purchase and also accepts mortgage loans.

How about buying an apartment in Shenzhen?

1. In recent years, the number of apartment products with unlimited purchase and loans has been increasing, which makes people more and more interested in apartment houses. Generally speaking, the price of apartments will be lower than that of residential products in the same lot, and most of the real estate licenses are not large, so the total price is not high. What is important is that it is not affected by restrictions on purchases and loans, and there are no requirements for housing quotas and social security years. Secondly, apartment products are mostly located in areas with convenient transportation, easy to rent, and the rental return rate is higher than that of houses in the same area.

When buying, we must pay attention to the land nature of this kind of house. Some things are residential in nature, but they are designed as single-room and small-sized units according to the apartment structure. In fact, it is a house, and the property right is also 70 years. If you have a degree, you can settle down. The other is an apartment built on commercial or industrial land. If the property right is only 40-50 years, this apartment can't be settled without a degree.

What are the advantages of buying an apartment?

1. For this kind of house, there is an advantage of unlimited loan and 50% down payment. However, due to the length of residence, only loans can be made for 10 years, and provident fund loans cannot be used; In addition, the apartment cannot be settled and there is no degree; Therefore, before buying, we must pay attention to these points to avoid buying regrets.

2. The service life of this kind of house is only 50 years, and the water and electricity property fee is relatively high. Some business apartments have no gas supply. In addition, the second-hand transaction tax of business apartments is relatively high, and the value-added tax is 5% of the difference. Deed tax 3%; The individual tax is 1.5%. The main difference is that there is a greater difference between land value-added tax and stamp duty of 0. 1%. The appreciation of apartments seems to be relatively high, but in the process of second-hand housing transactions, after deducting all taxes and fees, the value-added income will be less.