How much is the down payment for this apartment? How many years will the loan be repaid? How many years is the loan?

What is the down payment ratio of loft apartment?

There are many types of houses on the market now, for example, attic apartments are one of them. Then the problem is coming. Do you know the down payment ratio of loft apartment? What are the advantages and disadvantages of loft apartment? If you are interested in this, you might as well go and learn about it with me.

What is the down payment ratio of loft apartment?

The minimum down payment ratio of Loft apartment is 50%, and the longest loan period is 10 year. Moreover, it is not allowed to use provident fund loans, but only pure commercial loans, so this has become a major drawback of loft apartments.

Advantages of loft apartment

1. The total price is low and the use area is large.

One of the biggest advantages of loft apartment is its low total price and large usable area, which is why it is so favored by the majority of buyers. Developers often use the banner of "buy one get one free", that is, according to the floor area, but the use area is twice the sales area, which will make many property buyers have the illusion of "getting cheap".

2. Strong spatial plasticity

Because loft apartment adopts duplex structure, it provides imagination space for creativity and transformation, and users can freely create spaces with different functions and styles according to their personal preferences.

3. Excellent geographical location, convenient transportation and high peripheral facilities.

Similarly, LOFT apartment is commercial in nature and has the advantage of unlimited purchase, which is good news for many young people who want to buy transitional houses.

Shortcomings of loft apartment

1.40 years, property rights and appreciation space are low.

The Property Law stipulates that the right to use a house can be automatically renewed when it expires. After the expiration of the term of non-residential use right, it must be renewed in accordance with laws and regulations. In other words, when the property right expires in 40 years, it is still necessary to pay the land transfer fee. As for the payment method and amount, it is still unknown. In addition, compared with residential buildings, LOFT apartments have lower appreciation space.

2. Can't settle down

I believe everyone knows that loft apartments are not allowed to settle down, so you can't enjoy the degree room in this area.

Editor's summary: after reading the above introduction, I believe everyone has a further understanding of the down payment ratio of loft apartment. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

How much is the down payment for Shenzhen apartment?

In the society with soaring housing prices, it is not easy to buy a house of your own. Many people start to turn to apartments, which are small in size and require much less money, so the pressure will naturally not be too great. So what is the down payment for an apartment in Shenzhen, and what problems should be paid attention to when buying an apartment in Shenzhen? Do you know that?/You know what? Now let's have a look.

1. How much is the down payment for Shenzhen apartment?

The down payment of Shenzhen apartment is generally 50% of the total house price and 50% of the loan, and the loan period needs to be within 10 years. Most apartments are about 30~50 square meters. Although the area is not large, the space needed is everything, and the pressure on buyers will not be particularly great. Then the surrounding facilities of the apartment are relatively perfect, which is convenient for commuting.

2. What should I pay attention to when buying an apartment in Shenzhen?

1. Pay attention to the property rights of apartments, especially whether the nature of the right to use the house is consistent with the nature of the right to use the land. At this time, you need to simply look at the "Land Use Certificate" of the real estate, and then look at the land column above, you can know whether the apartment you bought belongs to residential land or commercial land.

If you plan to buy an apartment, you need to see which developer it belongs to. Now you need to know whether the developer belongs to a big brand company, so that you can know more about whether you can choose the property. Generally speaking, big brand developers are more capable, less likely to have unfinished business in the later period and more responsible.

3. Then, the geographical location of the selected apartment must be good, with mature business districts around and convenient transportation. Even if you don't need to live in this apartment in the future, it is very convenient to rent and the rent is ideal. In addition, apartments with good geographical location have large value-added space.

Regarding the down payment of Shenzhen apartment, what problems should be paid attention to when buying an apartment in Shenzhen? Let me introduce them here first. You got it? There are many things you need to know about buying an apartment, so you need to check it carefully to avoid trouble in the future.

Is the down payment for the apartment 30% or 50%? How many years can I borrow a loan?

1. What is an apartment? What is a house?

Apartment is the most extensive form of commercial real estate investment. It is a building with more than one dwelling unit or multiple dwelling units. Generally 40 years of property rights.

Residential refers to houses for living, including villas, apartments or dormitories. Legally speaking, a house is a closed space of a family's daily life, and outsiders are not allowed to enter it at will. Houses can be divided into multi-storey houses, high-rise houses and super-high-rise houses according to the number of floors. General property rights are 70 years.

There are no restrictions on the use time of the house, but there are restrictions on the use of land property rights. Generally speaking, the service life of land will be divided into 40 years, 50 years and 70 years, including 40 years for commercial land and 70 years for residential land.

2. What is the specific difference between a 40-year-old apartment and a 70-year-old apartment?

The apartment with 70-year property rights is a residential apartment, and the land category belongs to residential land. Although it is called an apartment, its land is still a residential product.

The 40-year-old property apartment belongs to the nature of commercial land, which is what we often call a hotel-style apartment.

Three. Comparison between 40-year-old apartment and 70-year-old apartment

1, land use nature

The land nature of the 70-year-old property apartment is actually residential land.

The land use nature of 40-year-old property apartment is actually commercial land.

2, the bank mortgage loan down payment ratio

For a 70-year-old apartment, the down payment for the first suite is 30%, and the longest mortgage period is 30 years.

40-year-old property apartment, unlimited purchase and loan, down payment of 50%, longest mortgage 10 year.

3. Provident fund loans

70-year-old apartment can apply for provident fund loans.

40-year-old property apartment can not apply for provident fund loans.

A 40-year-old apartment has many advantages, such as small area, low total price, unlimited purchase and low investment. However, apartments also have many shortcomings, such as short land transfer period, high transfer tax, commercial use of water and electricity, and low living comfort. Buying a serviced apartment is not a sure thing. Three factors must be considered when buying an apartment: good location, moderate area and low total price. (Source: Red Net Comprehensive)

How many years can I borrow the apartment?

The apartment area is generally around 30 -60 square meters, and many single people buy it. So how many years can I borrow to buy an apartment? Let's take a look with Bian Xiao!

How many years can I borrow the apartment?

Because apartments are commercial buildings, the term of property rights is generally only 40 years. If you borrow from a bank, you can borrow for 10 years at the longest, and you need to pay 50% down payment.

What's the difference between a business apartment and an ordinary house?

1, different property rights.

There are no restrictions on the right to use houses, but there are restrictions on the right to use land, which are generally divided into 40 years, 50 years and 70 years. The land use life of commercial apartments is generally only 40 years, while that of ordinary houses is 70 years. The land use rights of commercial apartments and ordinary houses are different.

2. The utilities are different.

Commercial apartments are commercial in nature, so utilities are charged according to commercial water and electricity. The water and electricity charges of ordinary houses are civil and charged according to civil standards. Therefore, in the long run, the utilities of commercial apartments are more expensive than ordinary houses.

3. Solve the problem of different household registration laws and regulations.

Commercial apartments are commercial in nature and cannot solve the hukou problem. Ordinary houses can meet certain conditions according to different requirements in different regions and apply for solving the hukou problem.

4. Different living comfort.

Ordinary houses are generally two ladders and three households or two ladders and four households, and there are fewer people living there, which will not bring trouble to travel and have certain privacy. Commercial apartments are generally two staircases with ten households, or even more, with messy, unsafe and poor privacy.

5. The down payment is different from the interest rate.

The down payment for commercial apartments is 50%, and the loan interest rate is higher. Ordinary residential down payment is 30%, and the loan interest rate is lower. If you use provident fund loans to buy ordinary housing, the preferential strength is even greater.

Bian Xiao concluded: The above is about how many years the apartment can be loaned, and I hope it will help everyone.

How to handle the second-hand apartment loan? How much is the down payment for the loan? How many years can I keep it?

The down payment of second-hand apartment loans is 30% to 70%, and the loan period is generally 30 years. Mo Long is recommended for the apartment loan, and it can be released as soon as 1 day, without mortgage loan. Apartment stores can also apply for loans within 2 hours at the earliest, without mortgage, which is worth choosing.

The disadvantages of second-hand apartment loans are as follows:

1. Short term of property rights: As the apartment is a commercial property, its term of property rights is much shorter than that of ordinary houses, and after the land life of the commercial apartment expires, it needs to pay a high premium to continue using it.

Second, management fees and utilities are relatively expensive: utilities and management fees for apartments are charged according to commercial standards. Compared with ordinary houses, the charging standard of water and electricity management fees is much higher.

Third, the mortgage term is short and the interest rate is relatively high: the apartment is a commercial property, and the purchase of the apartment is not affected by the residential purchase restriction order and the loan restriction order.

Fourth, it is impossible to enter a prestigious school without entering the home; Apartments are generally built in good locations and the surrounding facilities are very complete. But apartments can't be entered, and even if there are famous schools nearby, children can't go to school.

Fifth, it is difficult to change hands because of high taxes and fees; Buyers who buy apartments want to sell them again, and they need to pay higher taxes than ordinary houses.

For more information about loans, please consult Mollon. Moerlong is headquartered in Chengdu and currently has subsidiaries in Chengdu, Beijing and Chongqing. Relying on the strong Internet and information technology R&D and operational capabilities, excellent management team and resource integration advantages, we strive to build industry standards in customer acquisition, marketing, operation and product design, and provide customers with lower interest rates and more valuable loan products. Mo Long's loan products are all from partners, including traditional banks, emerging consumer finance companies and microfinance companies. Trustworthy!

Let's stop here and introduce a few years' loan and a few percent down payment for the apartment.