1, the bank loan policy is different. Most banks regard the purchased public houses as ordinary houses, and the loan for the first suite can reach 65%, while the loan ratio for commercial houses, especially non-ordinary houses, is usually 60% for the first suite and 20% for the second suite. In contrast, the proportion of the first home loan that has purchased public houses is slightly higher.
2. The regulations on tax payment are different. The purchased public houses are usually recognized as ordinary houses, and can be exempted from value-added tax and surcharge for 2 years after certain conditions are met. The regulations on value-added tax and additional payment of commercial housing are complicated and need to be determined according to whether the house is an ordinary house.
3. The original site of the house and the transaction restrictions are different. The purchased public houses may not have the original site. If the family name is not the only house for five years, the personal income tax payment method is different from that of ordinary commercial housing. Public houses generally have land double gold, and commercial houses do not have this tax. In addition, as a special kind of public housing, the central delivery house needs to go through the listing procedures before it can be sold, while commercial housing can be directly listed and traded.
The room type and price are different. Public houses usually provide more small apartment options, and the price is relatively cheap. Commercial housing is dominated by large units, and the price is usually higher.
5. Different buyers and restrictions. Public houses have strict restrictions on the objects of purchase, and they need to meet certain conditions before they can be purchased. There is no such restriction on commercial housing, and anyone can buy it as long as they are willing and able to buy it.
6. Ownership of property rights and preferential policies are different. Commercial housing buyers have complete property rights, while public housing buyers usually have only partial property rights and need to pay part of their income to the state. Commercial housing has no preferential policies for employees, while public housing has a series of preferential policies for employees.