1, different property rights.

Although there are no restrictions on the use time of houses, there are restrictions on the use of land property rights. Generally speaking, the service life of land will be divided into 40 years, 50 years and 70 years, including 40 years for commercial land and 70 years for residential land. Most residential property rights are 70 years, while commercial apartment property rights are 40 or 50 years according to the nature of land use.

2. The utilities are different.

General housing belongs to civil housing, and utilities are charged according to civil hydropower standards; Commercial apartments belong to commercial houses, and utilities are charged according to the standard of commercial water and electricity consumption. In the long run, the water and electricity expenditure of residential buildings will be reduced by half compared with that of commercial apartments.

3. Solve the problem of different household registration laws and regulations.

Apartments are generally projects built on commercial land, which are of a commercial nature and cannot solve the hukou problem. If it is residential, according to the different requirements of different regions, as long as certain conditions are met, buyers can solve the hukou problem.

4. Different living comfort.

Under normal circumstances, the residence is closed management, with living environment and relatively stable personnel; Most apartments are open management, which can be used for both living and office, with great mobility, no living environment and poor comfort.

5. The interest rate is different from the down payment.

If you plan to borrow money to buy commercial housing, you need to handle it in accordance with the provisions of commercial housing. The down payment ratio of the first suite is generally not less than 40%, and the loan interest rate will be relatively high. If you buy a house with a loan, the down payment ratio is usually not less than 35%, but it will be different according to regional differences.

6. Different lighting conditions

Most apartments have poor lighting and permeability. There are no windows in the bathrooms and kitchens of some commercial apartments, and the balconies are also inner balconies, so the lighting conditions are naturally not very good. According to the Code for Design of Residential Buildings, residential buildings must meet the sunshine, lighting and other related conditions. Therefore, most of the current houses are bright kitchens and bathrooms, and the lighting conditions will be much better than those of commercial apartments.

7. Different taxes and fees

The taxes and fees paid for buying an apartment and a house are also different. The former bears more taxes and fees than the latter. Take a tax as an example. At the same time, if the only house in the family is satisfied and the purchase time is more than five years, it will be exempted from tax. If the property sold is a non-residential property, tax will be paid in any case.

Extended data:

Appreciation space and transfer cost of apartments and houses

1. There is no degree in the apartment. Even if there are famous schools, the children of the owners can't enjoy the qualification of attending famous schools. The advantages of a prestigious degree are valued by the market and have great appreciation potential, but apartments cannot be "without happiness". Therefore, in prestigious sections, the price and appreciation space of apartments and houses will be very different.

2. Compared with residence, the transfer tax of apartment is higher.

In business tax, individual tax, deed tax, etc. According to the policy, residence will be reduced or exempted to different degrees. Ordinary houses that meet the policy requirements only need to pay 2%-3% of the main tax. At present, there are few relief policies for apartments (businesses), and the land value-added tax has increased compared with residential buildings. When all taxes are added up, the minimum tax usually reaches 10% of the total transaction price of the real estate.

References:

Baidu encyclopedia-apartment

References:

Baidu encyclopedia-ordinary housing