How does it feel to buy a commercial house?

Let’s get back to the topic, do you regret buying a commercial house? On this topic, we must first clarify the concept of commercial housing. If you open the search engine and search, there are two explanations for commercial housing: one is that it can be used as a storefront and housing (both commercial and residential); the other is that downstairs It's a storefront, and there's housing upstairs, and the property rights belong to the same person.

No matter which explanation it is, it is different from ordinary houses. It is a mixture of shops and houses. Then the search engine searched for the dangers of buying commercial housing, such as the short property rights period, the land transfer fee that must be paid when it expires, the inability to apply for a household registration, and the payment of commercial water and electricity bills, small apartments, no greening, and narrow space.

After reading this, I was shocked. I vaguely remembered that the house I lived in was a commercial housing. I had bought it for seven or eight years and had never paid attention to this issue. I hurriedly looked through the housing management bureau’s As expected, the standard contract had the three characters "commercial and residential" written on it. I asked why there are only two solitary buildings along the street in our community. There is not even a blade of grass in the courtyard of the community. It is bare and made of cement-hardened pavement. The yard is small and pitiful. The first and second floors are all facade houses. They are dry. There are all kinds of businesses, and the residences are available from the third floor onwards. It gets very noisy during the summer when people are having sex. In fact, all these can be solved. There is a river behind the community, the greening is very good, and it is convenient for exercise and other things. The windows provided by the developer are quite good, and the sound insulation effect is very good. What about other questions? The apartment is not small, more than 100 square meters, with good visibility from the north to the south. The water and electricity are all standard for residents, and the household registration is easily obtained. What else is different? By the way, I hurriedly searched again for the property rights period, and it was written in large letters in the contract, from 2008 to 2078, exactly 70 years! There is no difference!

Do you want to ask me if I regret it? I really regret it. I regret that I didn’t have the money to buy a few more sets. It was 2,800 at the time and 10,000 now. Of course, this is my case. Real estate markets vary greatly from region to region, and policies may vary from region to region. As for saying you regret it in your heart? I think if you buy it for your own living or office use, you won’t have any regrets, especially for a large purchase like a house. The moment you decide to buy it, you must have considered various factors such as price, location, income level, etc. The result of the compromise is your own decision, so there is no need to regret it. If you are a real estate speculator, you will regret it at any time, because the policies are changeable and it is difficult to guard against it.

What does it feel like to buy a commercial house? There are advantages and disadvantages, so let’s talk about both sides.

First, there is an old saying in China! With the beginning of peace of life, those who die will also live in peace!

This means that if you don’t have your own house, you will have no peace when you are old or dying! Even if you rent a house, you will be kicked out. The 2020 epidemic also reflected this. At that time, you could enter the community if you owned a house, and people who borrowed houses had related difficulties.

Second, the feeling of being a house slave! It’s a lot of pressure!

As a Shanghai house buyer, in the current weird property market, I see the helplessness and sadness of all living beings. I had to buy a house for my children and my family, and I really risked my life just to buy a house. When buying a house is hot, "buying a house is like buying groceries." In my opinion these days, in the current Shanghai property market, the experience of buying a house is actually much worse than buying groceries. At least you can pick and choose when buying groceries, and at least you can put aside the rotten ones, the fat ones, and the thin ones. However, when buying a house in Shanghai now, buyers actually don’t even have the chance to choose. Today’s house buyers in Shanghai are in the stage of “mindless house buying”.

But the house price is expensive! The price of a house in Shanghai is more than 5 million. In just half a year, the price of my friend's house in the lowest total price range has increased from more than 7 million to 8.6 million!

The loan costs 1 million to 2 million, so once you become a house slave, you will be under great pressure!

Third, buying a commercial house is a restriction on freedom.

After buying a commercial house, the result is that young people’s dreams and entrepreneurship and fighting spirit are restrained, and they dare not easily change jobs and realize their ideals!

Moreover, the house slave’s spending power is also limited!

However, the Chinese tradition is to buy a house! I know that many elderly people go on vacation in Haikou City, Hainan Province, and they pay 1,680 yuan a month for food and accommodation, but these people enjoy it on the premise that they have a house at home!

This is the fate of the Chinese people!

If there is anything wrong with the above ideas, please give me your advice, attention and suggestions!

Commercial and residential buildings, located in Shanghai, next to the outer ring road. The average residential price is 40,000-50,000 per square meter. Purchases were limited at that time, so I had no choice but to choose commercial and residential properties, which were 74 square meters and duplex. Excluding the public stall, the actual area is about 100 square meters. House price, decoration, agency fee and tax are 1.7 million yuan. Three bedrooms and two living rooms. For residential buildings, the built-up area for 100 square meters will be RMB 1.2 million or RMB 5 million. In the face of the absolute price advantage, I must choose commercial and residential. I don’t care about commercial water, electricity, and coal. How much more does it cost every month? The extra 3 million in interest per year is enough to pay for water, electricity and coal for more than 70 years. Questions about children's education: I plan to buy a small apartment of 30 or 40 square meters in a school district nearby, or a noble school. The price is only 200,000 yuan a year. The classmates my children have known since childhood and the resources of parents are different. This investment is worth it. If you don’t regret it later, it depends on the person. If you are willing to squeeze three generations of a family into a 40-square-meter house, then you will really regret it if it doesn't matter. A family of seven can live in such a house without being crowded. Whether it goes up or down, or cannot be sold, the most important thing is to live comfortably.

Whether you regret buying a house depends on whether the value of the house you bought is equal to the price, or whether the value of the house is greater than or equal to the price of the house. , from this point of consideration you can determine whether the house you bought is a good deal. I bought a house in a quasi-second-tier city. Houses in this city have risen very fast in the past two years, and the average price is around 10,000 yuan. When I bought the house, the price was only more than 5,000 yuan. I also got a parking space as a gift. The house is located The transportation, schools, hospitals, shopping malls and other related supporting facilities in the area are very good, and the environment is also good. Therefore, I feel that buying a house this time is quite worthwhile. I have found a low-lying area in the real estate market. However, now that house prices are inflated, you still need to be cautious when buying a house. Let me share my experience of buying a house this time.

The three basic factors that need to be considered when buying a house are land supply, population mobility, and population structure ratio. Whether you are buying a house for rigid demand or for investment, just referring to these three points is enough to decide whether to buy a house now. Buy a house, or buy a house in the future.

Whether housing prices rise in a place mainly depends on the supply situation, that is, supply determines prices. If supply exceeds demand, housing prices will inevitably fall. On the contrary, if supply exceeds demand, housing prices will inevitably rise. The supply of real estate is determined by the supply of land, while the demand for real estate is determined by the population. For a place, problems such as sufficient land supply, slow population growth, population outflow greater than inflow (net outflow), serious aging of population structure, etc. will inevitably lead to a decline in housing prices. It may not drop immediately, but when the housing supply reaches saturation Under such circumstances, if supply is increased and there is no investment or speculative consumption, then the decline in housing prices is inevitable and unquestionable.

At present, house prices across the country are generally rising. House prices in second- and third-tier cities have seriously deviated from the value of the house itself. The fundamental reason supporting the rise in house prices is mainly real estate speculators. From the current sales restrictions implemented in 41 cities across the country Judging from the situation, the purpose of stabilizing the real estate market is obvious. This is to prevent speculators from suddenly selling off real estate and causing shocks in the real estate market. It is foreseeable that house prices will inevitably decline steadily in the next two years. In the 41 cities where sales are currently restricted, speculators who hold multiple properties may become the last to take over the decline in house prices.

Of course, for those who have a rigid demand for housing, if they have a plan to buy a house and have sufficient funds, they can buy it anytime. After all, this is a rigid demand and they are bought to live in. But if you own your own home and don't have enough funds to buy a house, it may be more appropriate to buy again in 2-5 years.

First of all, thank you for the official invitation:

The disadvantages of buyers’ housing are as follows:

The differences between apartments and commercial houses are as follows: 1. Property rights: Residential property rights are 70 years , the apartment property rights are 40 years. 2. In terms of building structure: Residences are panel buildings, and apartments are generally towers. 3. In terms of usage costs: Residential water and electricity are for civilian use, while apartment water and electricity costs are higher for commercial use. 4. In terms of holding costs: Residential property fees are much lower than apartments. The price of a house is generally about 2 yuan/square meter/month, and that of an apartment is 3.5 yuan/square meter/month. 5. In terms of functions: The residence can go to school and settle down, and the apartment can register a company. 6. Natural gas can be connected to residences, but not to apartments.

lRemarks: Residence generally refers to 70-property residential houses. Apartments refer to commercial and residential buildings with 40-year property rights.

I hope you understand it clearly before buying it. After all, buying a house is a lifelong event!

If you feel that my answer is helpful to you, please follow this account

I regret it very much. The commercial and residential buildings in Shanghai are just a side project. In the past ten years, there have been no Now that the government has begun to crack down on human affairs, the concept of commercial and residential buildings has been completely eliminated. Commercial and residential buildings do not exist. There are only three types of residences, office buildings, and shops. Commercial and residential buildings are developers who package the property rights of office buildings or shops into residences and sell them to the owners. , this type of house cannot be registered, the property rights are only 40/50 years, and the water, electricity and coal are all commercial standards, the property management fee is three times that of ordinary residences, the most important thing is that the transaction tax exceeds 40, this type of house also has lighting, The orientation is all very poor, and there are basically more than 20 houses on one floor. There is no way for people to live in it, and the living environment is very poor and the security is complicated... A friend bought a loft for 800,000 yuan for commercial and residential use in 2014. At that time, the house price was 1.2 million, and now it is like this No one wants a loft at its original price, and the price of a residential property has already exceeded 2.8 million... So basically everyone is trapped in buying a commercial or residential property in Shanghai. The only thing is that there are no purchase or loan restrictions.

I bought a commercial property in November 2017. Live in a 58 square meter commercial building with a floor height of 4.95 meters. I already understood the shortcomings of commercial and residential apartments before buying, so I can’t say I have any regrets because I haven’t settled in yet. Let’s talk about the reasons why we still buy it: 1. Location. I have always wanted to live by the river. Through the large glass windows, I can see the river view and the light show on the other side. 2. After looking at it for a while, I found that apart from second-hand houses, the only new houses to be built on Jiangbin Road are Soho. Soho can be divided into two floors. Although the floor height will be slightly shorter, the price is very advantageous compared to second-hand housing. After all, funds are limited. 3. Settlement. It doesn't matter, I already have a house, and I have taken the old man to live with me for a few years. However, my living habits and concepts are different. After my children are in junior high school, they will be separated and live by themselves, so there is no need to consider the issue of commercial housing. 4. Water, electricity and gas. The developer has clearly applied for domestic water, electricity and gas to be connected to the house. In this case, the cost of living will be the same as that of ordinary houses. 5. 40-year property rights. I am already 40 years old. I feel that the 40-year and 70-year property rights will not have much impact on my life. If I need to renew the land transfer fee when it expires, I can live there first. 6. The cost of reselling is high. I plan to live in it myself but not to sell it. If you really want to change your house later or prepare a wedding house for your children, you can buy this house. At the end of 2016, the city government issued a document to reduce taxes and fees on commercial properties and allow natural gas connections, indicating that the government is still encouraging residents to purchase commercial properties. 7. Provident fund loan. The provident fund is from other provinces and different places, and it cannot be used across provinces. 8. The down payment is as high as 50. Fuzhou had not released any housing for a long time at that time. During the same period, new residential properties were basically queued up and priority was given to full payment. Bank loan quotas began to be reduced to control leverage. So if you want to buy a house, the down payment will be very high. However, after the end of the year, there are a large number of newly released houses, and it seems that there is no need to rush for houses anymore. The above reasons are the reasons why we still buy commercial and residential SOHO. In fact, in the final analysis, there is still not enough money

Hello! I am very happy to answer your question. I will mainly share my views on the commercial and housing developments in Hangzhou!

What does it feel like to buy a commercial house? This question also varies from person to person.

As the saying goes, some people are happy and some are worried!

Fortunately, commercial housing has several advantages:

The first advantage is its scarcity

After the introduction of the restriction order, the government no longer approves And apartments with a construction area of ??less than 300 square meters, which makes small-area serviced apartments out-of-print and a resource that cannot be copied.

The second advantage is its versatility

From the initial design purpose of the product, serviced apartments are mainly used for living. Small-sized serviced apartments do not have The independent kitchen does not comply with fire regulations and uses a cleaner and more environmentally friendly induction cooker as the kitchen stove. However, apartments with an area of ??more than 70 square meters are basically connected to gas, and the apartment layout can also be transparent from north to south or east to west, plus water , electricity or gas entrance and flue settings, the use functions are basically the same as those of residences.

With the introduction of Hangzhou’s policy that serviced apartments can be accommodated in collective households, serviced apartments will be closer to those attached to residences. social attributes, namely settling down and studying. Serviced apartments can accommodate people, work, and register companies. They are versatile and powerful.

The third price is more advantageous. The market price of serviced apartments is much lower than that of residential buildings, and the purchase cost is small. This is also the most important key point of investment products and the reason why serviced apartments are worth investing in. .

The fourth is its low-risk, cost-effective financial properties.

Serviced apartments not only have residential properties, but also have relatively strong financial properties. Most of the time, its investment properties tend to be greater than its residential properties. It can solve the problem of diversification when people have too few investment products. As a product with both real estate attributes and financial attributes, serviced apartments should be able to resist risks and increase and maintain value. Therefore, we must correctly view its shortcomings.

With the continuous innovation and development of apartment products, more apartments suitable for living have been developed, such as 4.79-meter dual-key and four-key apartments. It has also been subdivided into single-door dual-key and double-door dual-key, as well as single-corridor north-south or east-west transparent apartments, which have been further improved in terms of floor height, space area utilization, and living experience. One floor, one floor free, rented separately, the rent will increase exponentially, which is also the core value of current serviced apartments.

Worried people mainly have several considerations:

1. The living experience is too poor, not transparent, and the floor height is too low, giving people a depressing feeling.

2. Without gas, cooking is inconvenient. (Nowadays, many commercial houses with an area of ??more than 70 square meters also have gas)

2. Water, electricity and property fees are expensive. Commercial houses generally use commercial water and electricity, which is much more expensive than residential water and electricity. Property prices are as high as the same level. Compared with housing, it is also quite expensive.

3. It is difficult to rent out and the rental return is not high. This may be related to the location, internal structure and decoration style of the house.

4. It is difficult to realize cash. If you want to sell it, it is basically a price but no market. It is difficult for someone to buy it, but the price cannot go up, and you may even have to sell it at a loss.

Commercial housing should actually be regarded as an investment product, and the choice of commercial housing should be viewed correctly with investment thinking and vision.

I suggest that investors in housing should follow the following principles, and everyone may be happy!

1. City center

2. Subway entrance

3. There are supermarkets and complexes nearby

4. About 42 square meters

5. 4.79-meter LOFT dual-key or multi-key

Real case, a little early, in regional cities in 1999, the average price of a small apartment with decoration was 120,000, after a 30% down payment The monthly payment for a ten-year loan is less than 1,200 yuan, which is about the same as rent. Now the house is worth about 500,000 yuan. If so, will you regret it?

I also bought two commercial and residential units in Chengdu last year. They were on Line 1 of the subway, opposite the school, with an area of ??41 square meters. I was given two rooms as a gift. The building area was more than 70 square meters, and it was for civil use. A commercial and residential apartment costs RMB 330,000, and the monthly rent is about RMB 2,400. The mortgage is 1,800 a month. Do you think it’s a loss? Once rent-to-purchase rights are equalized, renters can live in households, and children can go to school, I believe rents will rise significantly. It's a high-income area, and it's in a school district. There are houses from kindergarten to middle school, and the schools are also very good. For two bedrooms and one living room, it's like buying a supplement for 330,000 yuan.