Commercial housing (banks can lend), but the land is comprehensive and the property right is 50 years. Excuse me, what is the specific difference between this and ordinary residential land for 70 years? 1. Different property rights: 50 years for commercial housing and 70 years for ordinary housing.

2. Different taxes and fees: the commercial category cannot enjoy preferential housing tax, and the transaction price charged by the maintenance fund is 2%, while the residential category charges 6% to 8% according to the cost price.

3. Different property fees: the fees for commercial projects are higher than those for residential and commercial utilities, and they are charged according to the standard. The property fee is higher than the residential property fee, and the commercial complex building cannot go through the formalities.

4. Different loans: Because the risk is obviously higher than that of ordinary housing, the risk weight of bank loans will increase, and the down payment ratio often needs 50% or even 70%. The use of capital leverage is obviously not as good as that of ordinary housing.

Extended data:

Matters needing attention in purchasing commercial housing:

1. The nature of the right to use the house and the right to use the land are the same, and the nature of the commercial house is only residential land, commercial land and industrial land. Property buyers only need to check the land use column in the property land use certificate, and it is clear whether it is residential or commercial.

2. Compared with some small and medium-sized developers, brand developers have more brand strength, and most importantly, they have good capital turnover ability. Moreover, such enterprises are responsible and there will be no unfinished business.

3. When buying a house, it is recommended to choose an area with mature business circle and convenient transportation. On the one hand, it is easy to rent and the rent is guaranteed; On the other hand, because of the large appreciation space, it is conducive to other uses.

4. When buying a house, ensure that the supporting facilities in the community are perfect, especially the commercial supporting facilities. It is necessary to ensure the safety measures of the community and deal with the feedback from the owners quickly, so as to ensure the rent.

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