Matters needing attention in purchasing commercial and residential dual-use houses
The basic service life of land for commercial and residential buildings is lower than that for residential buildings; The general service life of residential buildings is 70 years, and that of commercial and residential buildings is 50 years, 40 years and rarely 70 years.
Commercial housing can be loaned, but mixed loans cannot be used, that is, provident fund cannot be used here. The existing loans are relatively short, generally 10 years, and the down payment ratio is relatively high, generally 50% for loans and 50% for down payment.
The property certificate of commercial and residential dual-use houses clearly indicates that they are commercial. Although the five certificates are complete, they are only superficial and legal. If seriously investigated, the commercial real estate around residential design is actually playing the "edge ball" of policy, which is a marketing tool and advertising strategy of developers. In addition, from the price point of view, its price is mostly 60% to 70% of the residential price in the same region, so it is more attractive.
The down payment ratio of commercial and residential dual-use houses is required to be not less than 50%, and provident fund loans cannot be used, but only commercial loans with a term of 10 years can be used, which also brings great pressure to property buyers. In terms of household registration, commercial and residential dual-use houses cannot be used for backwardness, so even if there are better educational resources around, they cannot be enjoyed.
In addition, according to relevant regulations, non-residential projects generally do not require the design of supporting service facilities, such as schools, businesses, neighborhood committees, etc. In other words, kindergartens, schools, medical institutions and corresponding old-age services will not be mandatory. This invisibly caused the inconvenience of buyers' life and study. At present, most of the "commercial and residential dual-use" projects are designed as hotel-style apartments, and one staircase often accommodates multiple households, which makes it inconvenient to get in and out, and the safety problem is also worth worrying about.