Buying a house is a major event in many people's minds now, and it is also something that every family will try to buy now, so we should take the house very seriously. Now there is a kind of house called Hui Jian, and there are many questions about it. Next, Bian Xiao will introduce the difference between reconstruction and commercial housing. Can you borrow money from the construction company?

First, the difference between housing and commercial housing.

1, transaction tax

In terms of transaction taxes and fees, do you need to pay a certain land transfer fee to the local tax authorities during the transaction, but commercial housing does not have this fee?

2. The nature of the land

Most of the houses under construction are land allocated by the government, so the nature of land is allocated land, while commercial houses are for sale.

Step 3 get

Commercial housing is purchased in the form of currency transaction, while buildings are mainly obtained in the form of compensation.

Second, can I borrow money to build a house?

1, provident fund

Provident fund loans for the purchase of local first-hand housing include the purchase of commercial housing, affordable housing, fund-raising cooperative housing and other self-occupied housing loans. Therefore, it is still possible to apply for provident fund loans for houses to be built, but it is required that the ownership of the houses purchased and built is clear, the procedures are legal and complete, and there is no legal dispute.

2. Determinants

Whether you can use the provident fund loan mainly depends on whether your unit pays the housing provident fund to the local housing provident fund management center on time every month.

3. Time of payment

The loan must be paid when signing a contract with the developer. The down payment for buying a suite is not less than 30%, and the down payment for the second suite is not less than 60%. The down payment requires the buyer to hand it over to the local developer, and then the remaining money can be borrowed from the bank, and the bank can call the developer.

The above is about the difference between buildings and commercial houses. I hope it will help everyone!