Four reasons to strongly recommend not buying an apartment. Nowadays, many young people with a little money will buy an apartment of their own, which is also very convenient to live in. Here are four reasons why you are strongly advised not to buy an apartment.

Four reasons for not buying an apartment 1 1 are strongly recommended. Judging from the function and main use of the apartment.

From the perspective of land use, commercial apartments are generally identified as commercial and residential buildings or commercial and residential land with the permission of government departments. In other words, the purpose of building engineering buildings on this land is commercial use. However, in order to make profits in the future, many real estate developers equip their houses with machinery and equipment such as sewer pipes and natural gas, and package apartments into livable multi-functional goods.

2. Judging from the sex price of the apartment.

Some people want to say that although the apartment is not as comfortable as the house, the total price is low, and generally only half of the houses in the same area have not arrived. Indeed, the low total price may be the biggest advantage of the apartment, but this does not mean that the deal is worthwhile. Generally, the down payment for the first suite is 30%, which can be used for commercial loans and provident fund loans. The loan period can reach 30 years, but the down payment of the apartment is at least 50%. In some places, it is even stipulated that only commercial loans are provided, and the loan period is only 10 year.

3. Judging from the capital injection characteristics of the apartment.

Some people think that the apartment has a good location, superior geographical location, relatively developed commercial services, and project investment can appreciate. Indeed, the strategy of investing in real estate with the remaining money is really no problem, but not all real estate is worth investing in. The key to real estate income comes from two levels, one is its own appreciation, and the other is rent.

4. From the perspective of taxation.

When selling the apartment, the seller must pay 5.5% of the total house price, 1% of the total house price, 0.05% of the total contract stamp duty, 0.95% of the total house transaction price, and 20% of the enterprise income tax on the appreciation of the house. The higher the tax, the less money you get. Originally, the function of the apartment was very small, and such a strong tax was needed. In this way, honest people will of course take less and less, and it will be more difficult to transfer.

Four reasons for strongly suggesting not to buy an apartment 2. First, the property right is only 40 years.

I believe everyone knows that in just a few years, the real estate license has been laid off, and now the real estate property right has been officially implemented. Although the 70-year property right can be renewed because of the protection of public and private property, it is a pity that it is still unknown whether to automatically renew the lease or pay the fee for the 40-year apartment in the future.

Therefore, buying an apartment should not only worry about whether it can be renewed in the future, but more importantly, even if it can be renewed, if the application for renewal is not passed, the land property rights will be recovered. In this case, if the house is not yours and the apartment can't be run for 40 years, then you can't get into it in the future.

Second, the utilities are expensive, and some of them are still out of breath.

Although the total price of the apartment is lower than that of ordinary commercial housing in terms of price, the apartment is of a commercial nature, and the water and electricity charges charged to the owner are charged according to the commercial nature. This means that owners who buy apartments have to pay more money than civilians. Besides, many apartments are not allowed to install gas. If you stay for a long time, you should take this into account so as not to cause inconvenience.

Third, the purchase cost is high and the transfer fee is expensive.

When buying a house, we must consider whether it is easy to change hands. Compared with a 70-year-old ordinary house, apartments have to pay a lot of money when they are resold. Don't underestimate these expenses. After careful calculation, it adds up to about 10 to 20% of the house price. In addition, the average apartment' house' has a high requirement, which is generally 50%.

Fourth, the apartment area is small.

In fact, if it is only a transitional house, the apartment still has some prices. But for the second-hand housing market, there is no market for apartments, because the apartment area is too small for ordinary families to consider. Apartments are usually about 50 to 70 square meters. The overall structure is uneven and visually oppressive. They are only suitable for singles and newlyweds.

Four reasons for strongly recommending not to buy an apartment 3 reasons for strongly recommending not to buy an apartment.

1. Compared with houses, apartments have no degree, so they can't settle down, and the pool area is high.

When investing, you should think about who to sell your house to in the future. At present, the mainstream people who buy houses in major cities in China still just need it. Their main demand for buying a house is to settle down and become real urban residents, while children can enjoy supporting public schools.

Moreover, apartments can't meet the needs of mainstream people (although a few apartments with 70-year property rights have degrees, but the points are lower than those of houses), it will be more difficult to sell and transfer in the future, and of course it will be difficult to sell beautiful prices! And investing in real estate, the main profit is the spread. At the same time, compared with residential buildings, apartments have relatively poor living experience (greening, living facilities, floor area ratio, lighting rate, privacy, etc.). )

Second, the cost of purchase, holding and transfer is relatively high.

1, apartments belong to commercial land, generally only 40-50 years of property rights (very few are 70 years), while houses belong to residential land, with property rights of 70 years.

2. Apartments cannot use provident fund loans, so they can only choose commercial loans with higher interest rates. At the same time, the deed tax is 3%, and housing can use provident fund loans, with deed tax 1-3%.

3. The down payment ratio of the apartment needs to be more than 50%, and the maximum loan can only be 10 years. At the same time, property fees and utilities are higher than residential.

4. The pool area of apartment is higher than that of residence: apartment is about 30%, and residence 17-22%.

You can't enjoy tax relief when you buy an apartment, but you can enjoy the house. At the same time, the tax on the transfer of apartments will be higher. In some cities, it is necessary to buy apartments in the name of companies, and the policy of restricting sales will be stricter than that of houses.

Third, supply blowout, value decline, poor financial attributes.

1, Shenzhen, Shanghai and other first-tier cities have high vacancy rates, which leads to a large number of office buildings being put into the market for sale as apartments. In the case of limited demand, a large number of apartments are unsalable, and the supply far exceeds the demand, which seriously affects their preservation and appreciation.

2. Even if there is a little red book in hand, apartment financing is more difficult. Most banks can't accept apartment purchases. Even if you can borrow, the appraisal price is conservative, generally only 50% (individual bank apartments can borrow 7 cities with gas), and houses can generally borrow 70%.

The market can talk. If the agent tells you that the apartment is much better, you just need to ask him why the apartment has not risen for so many years. Why is the commission point of apartment much higher than that of residence? Why are there advertisements for apartments everywhere?

Then who is suitable for buying an apartment? If you have complete financial freedom, don't care about the appreciation and preservation of real estate, buy it if you want! If you are not qualified to buy a house in Shenzhen, your funds are very limited, you don't care about your education and appreciation, you just want to own a house, so buy it if you want! If it is a well-funded, ultra-high-end and scarce apartment, it can also be considered.