First, advantages
1, unlimited purchase and unlimited loan
Nowadays, ordinary houses in many cities have implemented the purchase restriction policy, but apartments are not limited to purchase and loans. As long as you have money, you can buy several sets.
2. The total price is low
Usually, the apartment area is relatively small, mostly around 30 square meters to 50 square meters, so the total price of buying a house will be lower and the purchase threshold will be lower.
3. Diversification of uses
Apartments are commercial in nature, which can be used for both living and office registration, and their uses are diversified.
4. The supporting facilities are more perfect.
Apartments are generally located in relatively prosperous areas, and there will be some large shopping malls or commercial complexes around them. The facilities are mature, the transportation is convenient, and life and travel are very convenient.
Second, shortcomings.
1, low property rights.
The apartment has low property rights. Because apartments are commercial land, the property right is generally forty or fifty years, while the property right of ordinary houses is 70 years.
2. The cost of living is higher.
Apartments are commercial land, so electricity, water and property fees in daily life will be paid according to commercial standards, and the cost of living will be higher.
3. High down payment
To buy an ordinary house, you can use the provident fund loan. 30% down payment for the first suite and 40% down payment for the second suite. The apartment is not limited to purchase and loan, but you can't use provident fund loans, and the down payment is 50%.
There are many restrictions on supporting facilities.
For the sake of safety, many apartments can't cook with an open flame, so they can only cook with induction cookers and microwave ovens. In addition, apartments can not be settled, nor can they enjoy the school district housing facilities in this area.
Pay attention to when buying an apartment:
1, first pay attention to housing property rights.
According to relevant regulations, the nature of the right to use the house is the same as that of the right to use the land. When buying a house, you can determine the property right nature of the house by looking at the property land use certificate.
2. It is best to choose a brand developer.
When choosing developers, we should choose brand developers with good reputation, because these brand developers have a sense of responsibility and high public recognition, so they are more powerful and secure than other small and medium-sized developers.
3. Choose the best.
When choosing a lot of housing, it is best to choose a lot with mature business circle and convenient transportation, because these lots are generally mature in various supporting facilities and have a large flow of people, which is not only convenient for renting houses, but also has a large room for appreciation.
4. Be clear about your purchase purpose
If you buy an apartment for investment, it is recommended to choose a business apartment. After all, compared with office buildings, this kind of apartment has lower rent and is more popular with small enterprises, and the most important thing is that it does not affect the purchase of houses.