How much is the down payment for serviced apartments and commercial houses in 70 years?

There is a 70-year-old property serviced apartment. How much is the down payment for buying a commercial house? Hotel-style apartments are commercial, and commercial houses are residential. The property rights of serviced apartments are generally 40~50 years, and residential buildings are generally 70 years. Because of their commercial nature, property fees and utilities are generally much more expensive than residential buildings!

Therefore, if you buy residential commercial housing again, it belongs to the first suite treatment. Generally, the down payment is above 30%.

I have a house in Hangzhou. Can I get a loan to buy another serviced apartment? Yes, it's a second mortgage.

In terms of commercial housing loans:

First, further adjust the down payment ratio of credit. In urban areas, families who already own a set of housing or have no housing but have housing loan records apply for commercial personal housing loans to buy houses and implement the second set of housing credit policies. The down payment ratio is not less than 60%.

Second, commercial banks are required to strictly examine borrowers' repayment ability, strictly implement the policy requirements such as the ratio of monthly payment to income not exceeding 50%, and refer to the second-home loan credit policy for borrowers who are adults, unemployed and have no fixed income and whose repayment funds come from other borrowers.

The third is to strictly review the source of down payment funds for personal housing loans, and it is strictly forbidden to use all kinds of "leveraged" financial products for down payment for housing purchases.

In terms of housing provident fund loan policy:

Further tighten the loan recognition standards for provident fund loans. In the urban area, if employees' families already own 1 housing or have no housing but have housing loan records, they will purchase ordinary self-occupied housing and implement the second set of housing provident fund loan policy. The down payment ratio of the loan shall not be less than 60%, and the interest rate of the provident fund loan shall be implemented according to the benchmark interest rate of the housing provident fund loan in the same period 1. 1 times.

Hope to adopt!

A serviced apartment, and then how many sets of loans to buy a house? Look at the specific property rights of the house. Commercial housing should not be counted as multiple sets. I think you should be the first to buy a house again, and you don't have a loan.

Payment records. Look at the ownership of your house. If you are not sure, call the local housing authority for consultation.

What are the 70-year-old serviced apartments in Shanghai? This is basically not available in Shanghai? There are so many shops! Besides, why bother with years? Even if the property right is forty or fifty years, you can continue to pay a little land transfer fee, and you don't know what it will be like in a few decades. How many houses you saw 40 years ago were demolished early?

How about buying a serviced apartment? There is a big difference between 50-year property rights and 70-year property rights. The property right of the house will always belong to you after you buy the real estate license.

The land use right of houses has a term of 70 years for commercial houses, 40 years for commercial houses and 50 years for commercial houses.

After the expiration, you can apply for renewal in accordance with the provisions of the Property Law.

The first serviced apartment has a loan. Do you want to buy two more? It depends on the property right of your single apartment. If it is a 40-year commercial property right, your loan is not a real estate loan, but a consumer loan. So it is still the first suite.

Do serviced apartments belong to commercial housing? Hello, it belongs to commercial housing, but it depends on whether the property right is residential or commercial. If they are all houses, it is the second suite. Generally, the property rights of serviced apartments are commercial. At present, the national purchase restriction policy is only aimed at residential commercial housing, not commercial housing. After you get the title certificate, you can transfer it to others, and the tax is levied according to the transferred commercial property. Please consult the local housing management department for details. In addition, article 5 of the country is aimed at residential commercial housing, and the general property right period is 70 years. The specific implementation rules have not yet been issued, so don't worry too much.

What is the minimum down payment for serviced apartment loans? 50%.

Half of the serviced apartments are 40-year property rights, which are commercial in nature.

The down payment must be 5 cities.

Loans can only be made for 10 years, and housing provident fund loans cannot be used.

A family already has two houses and wants to buy another serviced apartment. Is it okay? It depends on the purpose of the serviced apartment you want to buy. If the planned use of the house is business, you can buy it. If the planned purpose of the house is that the house is in the restricted area, it cannot be bought. The tax on commercial housing is very high and needs to be evaluated twice.

Hangzhou's purchase restriction policy, can singles buy a house with a serviced apartment again? Why not? Even the serviced apartments in Beishangguang are now restricted. If the hotel-style apartment in Hangzhou is restricted in the later period, it can't be bought here. The nature of an apartment is not much different from that of a house. Because you can't settle down, there is no difference between 40 years and 70 years of property rights. It was made clear at the two sessions, but the total price was low.