What should I pay attention to when buying a serviced apartment?

Abstract: Because the New Deal has curbed the demand for residential investment, it is not within the scope of purchase restriction now. Hotel-style apartment has convenient transportation, low total price and fast return on investment, and has become the first choice for residential investment now. So, what should I pay attention to when buying a serviced apartment? Can I get a loan to buy a serviced apartment? Below, Bian Xiao has compiled relevant information for everyone, and interested friends may wish to know about it! What is a serviced apartment?

Hotel-style apartments, different from ordinary houses, are apartment-style properties that provide hotel-style management services. It integrates the functions of residence, hotel, clubhouse and catering. Generally equipped with a comprehensive suite including kitchen and bathroom, it has independent property rights and has two functions of "self-occupation" and "investment". Some people in the industry call it "quasi-residence", but its essence is still apartment.

How about buying a serviced apartment?

Advantages:

1, with low total price.

Generally speaking, the unit price of serviced apartments will be much lower than that of houses in the same lot. In addition, the common practice of serviced apartments is small apartment, and the main apartment area is small, and the total price is extremely low.

Step 2 decorate well

There are two kinds of decoration standards for ordinary houses: fine decoration and fine decoration. Fine decoration, also known as "full decoration", according to the official definition of the Ministry of Housing and Urban-Rural Development, means "all the fixed surfaces of all functional spaces are paved or painted, and all the basic equipment of the kitchen and bathroom are installed". Generally speaking, the refined decoration in the market is only simple fittings, and the delivery state is only to meet the basic needs of life in practice, but the serviced apartment is not. In addition to the above facilities, it is generally equipped with complete household appliances and living facilities, which has achieved a real "carrying bag", and the decoration standard is obviously higher than that of ordinary houses, halls and other public facilities, which is luxurious and luxurious.

3. Good location and high rent

Generally speaking, the location of serviced apartments is generally located along the subway or CBD and in areas with good traffic, close to various office buildings. Therefore, the occupancy rate of hotel-style apartments is generally more secure than that of ordinary houses, and they have good decoration, good service, complete facilities, entertainment and self-occupation, and the rent is usually much higher than that of ordinary houses, so the return on investment is reasonable and predictable.

4, usually not affected by the purchase restriction policy.

A city like Shanghai still has hukou or social security requirements. No matter whether you are married or unmarried, Shanghai Ning or a foreigner, you can buy a serviced apartment regardless of whether the social security has been paid for five years. The threshold is low, which is simply a gift from migrants and single aristocrats.

Disadvantages:

1, less property rights, generally 40 years property rights;

2. Water and electricity are commercial standards;

3. Most of them are not residential properties, that is to say, they have never enjoyed residential gardens, and some communities still have them;

4, most of them have no gas, only high-end apartments have it;

5, there is no balcony, only high-end apartments;

6. The ratio of elevator to home is abnormal. There are basically five elevators on the first floor, 13 households. Details of life, such as using the elevator to go downstairs urgently, are very troublesome.

The difference between serviced apartments and ordinary apartments

1, the nature of land use is different.

Hotel apartment land belongs to commercial land, and ordinary residential land belongs to residential land.

2. The nature of property rights is different.

Hotel-style apartments are commercial, belong to the property rights of commercial and residential apartments, and ordinary houses belong to residential property rights.

3. Different property rights.

It is precisely because of the different nature of land used by serviced apartments and ordinary houses that their property rights are different. Generally, the property rights of serviced apartments are only 40 years, while that of ordinary houses is 70 years.

4. Different property areas

Hotel-style apartments belong to business apartments, and their own area is relatively small, most of which are within 90 square meters, and generally will not exceed this area, while ordinary houses, whether small, medium, large or oversized, are ok.

5. Different internal facilities

Hotel apartments are generally designed and decorated according to the standards of star-rated hotels. Although equipped with a kitchen and bathroom, the kitchen is generally simple, and the basic living facilities inside ordinary houses are perfect.

6. Different physical management.

The property management form of hotel-style apartments is similar to hotel services, that is to say, there are special services such as room cleaning, while the property of ordinary houses generally exists only in public places, and indoor sanitation is responsible for itself.

7. Different prices

Hotel-style apartments are generally located in downtown or busy areas, and their prices are definitely higher than those of ordinary houses around them, and they are generally operational, that is, they are only rented and not sold.

What taxes do I have to pay to buy a serviced apartment?

Serviced apartments are divided into residential serviced apartments and non-residential serviced apartments. These two taxes and fees are different. Let's discuss it in different categories:

(1) Residential property: deed tax, mortgage registration fee and transfer registration fee are required for purchase. The collection criteria are as follows:

① Deed tax: the collection standard is related to the first and second sets and the construction area. Details are as follows:

② Mortgage registration fee: 80 yuan;

③ Registration fee: 80 yuan.

(2) Non-residential houses: deed tax, stamp duty, transaction registration fee and mortgage registration fee are required. Details are as follows:

① Deed tax: (nuclear pricing-VAT) ×3%

② Stamp duty: the contract price ×0.05%

③ Transaction registration fee: 550 yuan.

④ Mortgage registration fee: 550 yuan.

5 1 Dongshi Reminder: If you buy a serviced apartment in a new house, you should consider whether to levy property tax. Newly purchased non-residential serviced apartments will not be subject to property tax for the time being.

How to choose a serviced apartment

1, supporting facilities

Hotel-style apartments are generally finely decorated and equipped with various electrical appliances, and consumers can carry bags to stay. However, different serviced apartments have different configurations of these facilities. The better the configuration, the easier it will be for investors to rent out in the future. In addition, the surrounding supporting facilities are equally important.

2. Regional selection

Regional issues, which are particularly important for investors. Because the land can be rented out faster in the future, investors should try their best to choose areas with mature business districts and relatively perfect transportation facilities for investment. In addition, the prospects of the region also need to be considered. Once the area is well developed in the future, the possibility that the house will appreciate or change hands easily will also increase.

3. High rental rate of return is the inspection standard.

If it is pure investment, the rate of return is the first for you. Put the rental rate of return on the scale and the answer will come out.

If it is not cost-effective, it depends on the price difference with the surrounding houses.

Basically, similar lots can accept a 30% discount compared with residential buildings, and now this discount is definitely greater. It's not unusual to get a 30% discount on the market at present. If you want to buy it, a 50% discount is more appropriate.

5, from the product comprehensive inspection.

If the developer is not familiar with it, we can look at his intention from the side, and it is not advisable to sell only the house. Hotel-style apartments finally win market reputation, not only the location, but also the product itself, including apartment design, community configuration and property services.

Can I get a loan to buy a serviced apartment?

Commercial loans are allowed and provident fund loans are not allowed. Provident fund loans are only used for individual housing. Hotel-style apartments belong to the nature of commercial housing and cannot be loaned by provident fund.

Pay attention to buying serviced apartments.

Even if you buy a serviced apartment for investment, not for self-occupation, you should pay attention to some basic matters of buying a serviced apartment, try to avoid risks and increase the possibility of profit. First of all, we should understand that the occupancy rate of serviced apartments is relatively low, generally less than 70%, because the corridors are long and the public share a large area. At the same time, because the land nature of serviced apartments is commercial, it pays more transaction costs than apartments.

In addition, there are probably some problems in serviced apartments, such as poor room function, few rooms facing south, many households, small residential area and so on. In the market, subjective and objective factors such as the intensification of homogenization competition, the planning and design problems of the property itself, the separation of pricing or expected rent from the market itself and its appreciation space may have an impact on investment income.