What's the difference between a villa and a high-rise residence? 1, high-rise room rate.
The most intuitive difference between bungalows and high-rise residential buildings is the size of the high-rise housing rate, and houses with high high high-rise housing rate will be more comfortable to settle down. The pool area of double-storey houses is small, and the allocation rate of high-rise houses is high. Generally speaking, the shared area of double-decker houses is generally 8%- 10% of the occupied area, and high-rise houses reach 15%-25%. Taking the total construction area of 90 square meters as an example, the actual use area of conventional double-decker houses is about 80 square meters, while the use area of high-rise houses is only 67.5 square meters.
2. Floor area ratio.
The plot ratio of bungalows and high-rise buildings is still very different. The plot ratio of high-rise buildings is about 2.5-1.5; The plot ratio of garden houses generally does not exceed 1.0, which is second only to high-priced single-family villas. Therefore, if buyers buy a house, the floor area ratio will be very low, and the relative density of Huayuan's house is also very low. With the increasing anxiety of soil resources, low-volume residential buildings are very valuable, so the green environment and living conditions of garden residential buildings are better than those of small high-rise residential buildings.
3. Proportion of domestic elevators.
At present, the high-rise residential buildings on the market are mostly in the form of two ladders, three households and four households or three ladders and six households. However, houses that want to achieve a sense of dignity similar to townhouses in settlement are generally made into one household or two households. Because of the large number of residents in high-rise residential buildings, the elevators are crowded with people during commuting time every day, especially in summer, and everyone knows the taste. Therefore, compared with high-rise residential buildings with more residents, the house will be more comfortable to settle down.
4. region.
There are also some differences between bungalows and high-rise houses in road sections. Garden houses are mostly located near the suburbs of the city or a little far from the urban area, which may not be as good as the high-rise residential buildings in their locations. The plot ratio of high-rise residential buildings is relatively high, and there will be some small high-rise residential buildings in urban areas. In terms of regional selection, garden houses live closer to the city, and the position of garden houses is often slightly biased.
5, wide face, facing south.
Because most of the houses are planned by two households and one unit, the width and light are better, so the house ensures the completion of the design of large-sized houses. Generally, the width of double-decker houses is around 10- 12 meters, and some newly-built houses are even around 13 meters. Because of the reasonable layout, high-rise residential buildings are generally two ladders and four households. In order to take care of the uniformity of lighting for four households, it is necessary to limit the width of a single suite to the south. Generally, the width of a high-rise building is 8 meters long.
Will the mortgage interest rate be lowered when house prices fall? In fact, the decline in house prices is not directly related to mortgage interest, because house prices are the agreed prices of real estate, and mortgage interest banks set interest rates. But falling house prices will affect the loan amount. As the price of the building is reduced, the loan amount will be reduced under the same down payment ratio.
For example, for a house that the lender likes, the original price is 654.38+00,000, and the down payment is 30%, that is, 300,000, and the loan amount is 700,000; The real estate agent behind reduced the house price by 6,543,800+to 900,000, with a down payment of 30% to 270,000 and a loan of only 630,000.
It is only an accident that house prices may fall and mortgage interest may also fall. Note that the downward adjustment of mortgage interest rate depends on the type of housing loan, that is, whether the housing loan is a commercial loan or a provident fund loan. The implementation standards of interest products of the two loans are different, and the changes are not the same.
The general decline in mortgage interest rates is aimed at pure commercial loans, because the mortgage interest of provident fund is implemented according to the interest rate of personal provident fund loans, which is generally not easy to change; All newly issued pure commercial loans are priced at LPR annual interest rate+benchmark, and with the fluctuation of LPR, after the adjustment of pure commercial loans, the mortgage interest rate of LPR will decrease.