1, service life: commercial housing, land service life of 40 years (50 years in part); For residential houses, the land use period is 70 years.

2. Taxes and land transfer fees: the taxes and land transfer fees paid by commercial houses are higher than those paid by residential houses.

3. Mortgage purchase: commercial housing cannot use provident fund loans. If a commercial loan is used, the down payment for the house purchase must be 50% of the total price, the service life of the commercial loan is 10 years, and the loan interest rate rises 10%. For residential houses, you can choose provident fund loans or commercial mortgages. If you choose a commercial mortgage, the down payment for the first suite is at least 30%, the loan term is up to 30 years, and the loan interest rate is the benchmark interest rate or lower; The down payment for the second suite is at least 40%.