What is the nature of commercial and residential dual-use houses?
Nature of land: whether it is the current "commercial office" or the past "commercial residence", the nature of land is commercial or manufacturing. Property rights are generally 50 years and 40 years, pure commercial nature is 40 years, and manufacturing land is 50 years. At the end of the life, if demolition is not involved, the land transfer fee will be paid. At present, there is no clear share of this land transfer fee, but it is generally around 0. 1 percentage point, not exceeding 5 digits.
What are the characteristics of commercial and residential dual-use rooms?
Daily expenses: most of the "commercial offices" are commercial water and electricity without gas, and the daily expenses are high. General commercial water consumption is 8 yuan/ton, and commercial electricity consumption is divided into peaks and valleys. Take Beijing as an example, the most expensive process is 1.2 yuan/kwh, and the cheapest process is 30 cents/kwh, but the cheapest process doesn't use electricity at all, so the monthly electricity bill is very high.
Living quality: Generally speaking, there are many "commercial" households, such as 12 households and 2 stairs, and the property is relatively difficult to handle, so the living comfort is lower than that of pure residential quarters.
Because the business office has its own defects that are difficult to change, such as the inability to settle down, the difficulty for children to go to school, and the high daily expenses, it is difficult for fewer people to take over in the future. In addition, this 40-year-old apartment has 50 years of property rights, and the tax is very high when it is sold. Deed tax, stamp duty, individual tax and value-added tax are all paid by the residence and the business hall, but the business hall has to pay a piece of land value-added tax, and the share of individual tax, value-added tax and land value-added tax in the business hall is very high, which can basically account for 40% of the transaction price difference. Do you still want to buy?
Commercial and residential buildings cannot be pawned. The original commercial and residential houses can apply for pawn loans. If the owner is temporarily short of funds, he can use commercial and residential leverage. But now commercial housing has lost the value of leverage and can only be held for a long time or sold at low yield.
What are the rules for commercial and residential housing loans?
The down payment ratio, loan term and interest rate are different: nationwide, the down payment ratio of commercial enterprises is basically 50%, the loan term is short, the longest loan is 10 year, and the loan interest rate rises by 20%. Detailed to a single city, all commercial office buildings in Beijing are now restricted, and new houses can only be purchased in the name of the company.
Second-hand commercial office buildings can be sold to companies and individuals, but individuals need to be qualified to buy houses. Together, both companies and individuals need to buy a house in full. The specific situation in Shanghai is not clear, but it is estimated that the down payment will not be less than 50 percentage points, and the loan interest rate will rise by 20 percentage points, which is the same in the whole country.
What are the disadvantages of commercial and residential dual-use houses?
Can't settle down, children can't enter school normally. Because the nature of the land itself is commerce and manufacturing, there is no so-called settlement, and it is impossible to carve out the nearest school district, so it is difficult for children to enter school. This situation is particularly significant in first-tier cities. After all, we will get married in the future. If you consider buying a business, you can't have children in the short term because children can't go to school. Of course, if you have money, you can send your children to other institutions, but depending on the income of you and your girlfriend, there will be great pressure to send your children to other institutions.
Whether it is self-occupation or capital contribution, the business office will eventually become capital contribution. Due to the limitation of the business office, the things that can be bought and lived at this time will eventually become "transitional houses" or will be sold, which is capital contribution. Many commercial offices use other people's water and electricity, and developers provide gas privately, but once the policy is tightened, commercial offices bear the brunt, and the direct demolition work has not yet happened.
Therefore, if you are qualified to buy a house, don't buy a commercial house. On the one hand, the down payment is high, and you may make up the money again, which is enough for the down payment; The interest rate of other loans is really too high. If you compare the interest rate of the provident fund with the interest rate of commercial and residential loans, it is basically half-poor, which is very uneconomical. If you really buy a business office, you will find that the apartment may not be sold in the process of buying a house and selling an apartment five years later.