What are the disadvantages of buying an apartment in Guangzhou?

What are the shortcomings of the apartment?

1, and the land use period is short.

Compared with residential buildings, commercial apartments mostly belong to "shopping malls", office buildings or hotels. Compared with residential land, the service life of this commercial apartment is 70 years, so the service life of this commercial apartment is only 40 to 50 years because of different categories, and the commercial apartment can only be used after the expiration of the high premium land life.

2, high taxes and fees are difficult to change hands.

According to the policy, second-hand residential transactions can be exempted from land value-added tax, but commercial apartment transactions cannot be exempted. Generally speaking, the land value-added tax is levied according to the value-added amount of the land sold, which means that the value-added part is levied at 30% to 60% of the value-added amount. In addition, a business tax of 5.5% is levied according to the total transaction price of real estate, and all taxes and fees add up to 10% to 14% of the total transaction price of real estate.

3. The mortgage interest rate is relatively high and the service life is short.

Although commercial apartments are not affected by residential purchase restriction orders and loan restriction orders, because they are commercial properties, they can only issue loans with a term of 10 years, and cannot apply for provident fund mortgages with lower interest rates. At present, the loan interest rate of commercial projects is generally 1. 1 .3 times of the benchmark interest rate, while the loan interest rate of residential projects is mostly 1. 1 times. Compared with the residence, the interest expense of the apartment is much higher, which is not cost-effective.

4. Management fees and utilities are relatively expensive.

Compared with residential buildings, management fees and utilities are much higher, because apartments are charged according to the standards of commercial utilities. For example, the charging standard of water plus sewage treatment fee for residential property is 2 yuan/cubic meter, and the charging standard of water for commercial property reaches 4 yuan/cubic meter; The standard of residential electricity charge is 0.5 yuan/kWh, and the standard of apartment electricity charge may be 1 Yuan/kWh. In addition, the management fee for business apartments is generally 3-0 10 yuan/m2/month, which is much higher than the price of ordinary houses 1 to 4 yuan/m2/month.