Why are commercial and residential dual-use houses without restrictions on purchases and loans receiving much attention?
With the regulation of real estate, the pressure on the housing market has increased. At this time, many housing enterprises turned their attention to commercial real estate, followed the example of soho abroad and launched some commercial and residential real estate projects. The so-called commercial and residential dual-use is a kind of real estate product that can work and live, and it is an extension of soho residential concept. It can be used as a residence, but at the same time, it is integrated with many hardware facilities of the office building, allowing residents to engage in commercial activities while living, integrating work and living, which greatly facilitates some freelancers.
It is understood that the reason why commercial and residential dual-use houses are so eye-catching at present is inseparable from their own characteristics. First of all, commercial and residential dual-use houses are mostly small units with low total price. ; For cities with restricted purchases, commercial and residential dual-use houses are not limited to purchase loans; It is noteworthy that commercial and residential dual-use houses are generally loft-style, which can be designed into two floors, which is equivalent to giving twice the area. If you buy 50 square meters, the usable area can reach more than 100 square meters, and the space is large, which can realize the separation of home office and static office.
The cost of living is relatively high, and it is difficult to meet the requirements of settlement.
In fact, there is no such title as commercial and residential dual-use house in architectural terminology, but an irregular common name defined by the seller according to market conditions and product functions. If the developer says that the building is "commercial and residential", it is likely that part of the same building is commercial (with more podium buildings and lower floors) and part is residential. The purpose of the real estate license is to write commercial housing, not residential; If commercial housing is not specified, it may also be commercial office buildings such as serviced apartments and single apartments. There is still a big difference between commercial office buildings and residential buildings.
Although the total price of commercial and residential dual-use houses is low, because they are commercial plots, the down payment needs to be 50%, and the loan period must be less than or equal to 10 year. Of course, for investors, this may not be important. For ordinary office workers, the down payment is still a bit difficult. For those who have provident fund, the provident fund can only be withdrawn when buying commercial and residential dual-use houses, and cannot be used for loans.
In addition, for commercial and residential houses, the cost of living after buying a house is relatively high. The property management fee is a commercial standard, which is higher than that of ordinary houses, and the water and electricity fee is basically twice that of civil works. Generally, there is no gas, so the maintenance cost is higher.
Of course, the biggest relationship with buyers is the property rights of the house. The property right of ordinary houses is 70 years, and that of commercial and residential houses is usually 40 years. The Property Law does not clearly stipulate the continuation of such land after its expiration. In other words, residential land can be automatically renewed after it expires, while commercial land can't.
Registration is very important for many people with special needs (such as buying educational real estate to solve the problem of children going to school). In Quanzhou, if you buy an ordinary house, you can of course move into the household registration, but although you can apply for industrial and commercial registration, you cannot move into the household registration.
Water, electricity and heating are the best choices for both civil and commercial use.
Everything has advantages and disadvantages, and business is no exception. So what do you need to pay attention to when buying commercial and residential dual-use houses, so as not to cause trouble to yourself in the future?
Under the premise of clear property rights, we must first make clear with the developer the basis for paying the future living use fee. When buying a commercial and residential dual-use house, ask the developer whether the water, electricity and heating are civil or commercial prices. Some developers will take corresponding remedial measures, and can strive for the relevant departments to pay civil fees. If the developer promises to charge according to civil standards, then it is best to ask clearly and leave a basis.
Project matching is usually an aspect that buyers are very concerned about. When buying a commercial and residential dual-use house, you must make it clear with the developer whether there are supporting kindergartens, schools and medical care. Generally speaking, commercial and residential houses will not be equipped with these supporting facilities.
For people who care about living density, we should also pay attention to the fact that a small area means that the living density will increase accordingly. If you don't like the relatively dense living style, you should pay more attention when choosing commercial and residential dual-use houses.
"Generally speaking, soho products with high-end service industries and labor-intensive industries nearby have better investment prospects, because such industries have a large flow of people, strong demand and strong consumption, and houses are easier to rent out." Zhang, a professor at the School of Business Administration of Huaqiao University, believes that from the perspective of investment, the location is the decisive factor in determining whether the house can be rented out; From the perspective of self-identity, the surrounding supporting facilities attached to this lot have become an important factor affecting property buyers.
Transfer procedures for commercial and residential dual-use houses
1. If the transfer of the real estate license has not gone through a real estate agent, the contract terms and breach clauses must be clearly written, and the party with the name on the seller's real estate license must be present when signing the contract (if married, both husband and wife need to be present to sign, even if there is only one name on the real estate license).
After the application materials are ready, you must go to the real estate bureau to fill out some forms and a stock contract. The amount on the stock contract must be the same as that on the contract.
3. After all the application materials for real estate transfer are submitted to the real estate bureau, the real estate bureau will give a receipt and pay taxes according to the date indicated on the receipt, which generally takes about fifteen working days.
4. You can get the real estate license after paying the property transfer tax.
(The above answers were published on 20 15- 12-25, and the current relevant housing purchase policies should be based on the actual situation. )
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