The difference between villa and apartment

Villa is an improved residence, which is a kind of residence. It has 70 years of property rights and can be settled. You can't buy an apartment, but you can't settle down. In addition, the public construction of apartments generally has only 40 years of property rights. Another difference is the area. This difference is obvious. The building area of a villa is definitely much higher than that of an apartment.

What are the advantages of apartments?

1. No purchase, no loan.

In most cities, apartments are not limited to purchase. Compared with housing, apartments greatly meet the needs of many housing investors, and apartments do not occupy the number of places to buy houses. As for loans, regardless of the number of apartments, the down payment is at least 50%.

2. The price is cheap

In the same area, under similar conditions, the price of an apartment is usually only half that of a house.

3. Commercial and residential uses

Many apartments are both commercial apartments and residential apartments. In addition to life, they can also register companies and do offices.

What are the shortcomings of this apartment?

1, and the land use period is short.

Commercial apartment land mostly belongs to "shopping malls", office buildings or hotels. The land use life of such commercial apartments is only 40 to 50 years; The service life of residential land is 70 years. Please note: the land use period is calculated from the date when the developer takes the land, not from the date when you repossess the building, so you actually get a shorter use period.

2, can not settle down, no education.

Can't buy a commercial apartment. Although many commercial apartments are located in the city center and there are famous schools nearby, they can't settle down and go to school nearby.

3. The bank loan has high interest rate and short service life.

Although the commercial apartment is not affected by the residential purchase restriction order and the loan restriction order, because it is a commercial property, it can only borrow 50% at most, and the longest is 10 year. Ordinary houses can be loaned for up to 30 years, up to 70%.

Moreover, apartments cannot apply for provident fund mortgages with lower interest rates. At present, the interest rate of commercial apartment loans is generally 1. 1 times the benchmark interest rate, while the interest rate of residential loans is mostly 1.05- 1. 1 times the benchmark interest rate. There will be some differences between cities/banks, but under the same conditions, the loan interest rate of apartments will definitely be higher.

4. Management fees and utilities are more expensive.

The utilities and management fees of commercial apartments are much more expensive than those of Songpu residence. Many apartments are not allowed to cook with naked fire, which is quite inconvenient for families. For example, the urban commercial water fee standard is 4. 1 1 yuan /m3, and the electricity fee standard is 0.9885 yuan /kwh, while the residential property water plus sewage treatment fee standard is 2.22 yuan /m3, and the electricity fee standard is only 0.6 1 yuan /kwh.

5, high taxes, it is difficult to change hands.

The biggest drawback of commercial apartments is the high tax on buying and selling, which makes it difficult to change hands. According to the policy, second-hand residential transactions can be exempted from land value-added tax for two years, but commercial apartment transactions cannot be exempted. The land value-added tax of apartments is generally levied at a four-level progressive tax rate according to the value-added amount of the land sold, that is, 30%-60% tax is levied on the value-added part according to the value-added amount.

In addition, commercial apartments are subject to a business tax of 5.5% on the total transaction price of real estate. The tax of the apartment adds up to 10%- 14% of the total transaction price of the real estate. Ordinary residential second-hand transactions usually add up to only about 3%.