Is Kaisa Metropolis a residence or an apartment? Are commercial apartments good?

Before buying a house, we all have some understanding of what type of house it is. After all, different house types, usage and transaction conditions, later taxes, property, electricity bills, etc. are all different. Same. Kaisa Daduhui is a house that many people like very much. If they want to buy a house here, is Kaisa Daduhui a residence or an apartment? Are commercial apartments good?

Before buying a house, we all have some understanding of what type of house it is. After all, different house types, usage and transaction conditions, later taxes, property, electricity bills, etc. are all different. Same. Kaisa Daduhui is a house that many people like very much. They want to buy a house here, but they are afraid of buying a house with small property rights. Then let me tell you whether Kaisa Metropolis is a residence or an apartment? Are commercial apartments good?

Is Kaisa Metropolis a residence or an apartment?

Kaisa Metropolis is a commercial apartment. Kaisa Metropolis is located next to Shenhui Road, a first-line property on the extension line of Shennan Avenue. It faces Buji Station, the intersection of Metro Lines 3 and 5, and Buji Passenger Transport Station, one of the three major passenger transport hubs in Shenzhen, to the west, and the mature commercial district in central Shenzhen to the north. , the east and south are high-end residential areas.

Are commercial apartments good?

1. Disadvantages of commercial apartments

1. Short land use life

Commercial apartments The land use nature is commercial land, so the land use period is 40 years. This is shorter than the 70-year land use period for typical residential land. After the commercial apartment land expires, you need to pay a land use right transfer fee before you can continue to use it.

2. The loan interest rate is high

Provident fund loans, combination loans and commercial loans can be used for housing. The general down payment ratio for a first home is 30%, the loan term can be up to 30 years, and the first home loan is generally a benchmark interest rate; however, for commercial apartments, only commercial loans can be used, and provident fund loans cannot be used. The down payment for the purchase must be 50% of the total price, the commercial loan term is 10 years, and the loan interest rate is usually relatively high.

3. High cost of living

Commercial apartments are charged according to commercial water and electricity rates, which are higher than residential water and electricity rates. You need to pay The cost of living is also higher.

6. Cannot apply for household registration

Although commercial apartments can meet the living needs, due to the nature of their land use, the houses are still non-residential, so generally speaking, they cannot apply for residence registration. After registering with a household registration, children cannot be assigned to the corresponding school district and enroll in school nearby.

2. Advantages of commercial apartments

1. Loans are not included in the number of apartments

Under Jinan’s purchase restriction policy of “buying both a house and a loan”, General commercial apartments are not included in the number of units. If a home buyer has a commercial apartment in his name and buys a house with a 70-year property right again, it can be considered as the purchase of the first house if there is no loan record.

2. Small area, low total price

Due to the small area, the total price is also low, and the loan repayment pressure is much less than that of commercial housing. If you have an apartment when you are single, you don’t have to rent a house outside; after you get married and buy a wedding house, the apartment can be rented out or used as your own independent space.

3. The functional partitions are very complete

Although the apartment is small, the space of the unit is reasonably utilized, and the functional partitions are complete, which is more in line with the preferences of young people. The apartment is small, so cleaning is very easy.

4. High convenience of life

Commercial apartments usually appear in prosperous areas in the city center. They have complete supporting facilities for commerce, medical care, transportation, etc., making living and traveling easy. More convenient.

The above is what I introduced. Is Kaisa Metropolis a residence or an apartment? Are commercial apartments good? When buying a house, you must know the nature of the house. After all, the service life of the house is very different. Commercial apartments not only have disadvantages, but also advantages. Therefore, when choosing a house based on your needs, you should carefully consider it before buying.