Generally speaking, the location of the apartment is often very good, and the surrounding transportation and supporting facilities are very complete. As for the duplex apartment that buys one floor and gets one floor free, although the building area remains unchanged, the usable space has indeed increased. In addition, the land of the apartment is commercial land, so its price is much cheaper than ordinary ordinary residences. For first-timers, It’s still good for young people who want to buy a home and don’t have much money.
Some people also objected: The biggest advantage of ordinary houses is 70-year property rights, water and electricity, and more importantly, many apartments are not equipped with natural gas, which makes life troublesome. The apartment is a corridor that runs through the entire building, giving a sense of living experience. will decrease.
For those of you who want to buy an apartment, you must know these.
Disadvantages:
First, the percentage of building area is not restricted. In the central business district, the building area of ??apartments accounts for the proportion of the total residential area of ??the project is not restricted; while the proportion of ordinary residential areas is not restricted. There are limits on the ratio of building area to total residential area.
Secondly, the sunshine conditions of apartments are worse than that of houses. According to the relevant provisions of the "Residential Building Design Code", houses in residential products must meet relevant conditions such as sunshine and lighting. This is not necessarily the case for apartments, which are generally distributed on both sides of the corridor. Therefore, the sunshine conditions of apartments in the same building may not get the sun due to orientation issues.
Third, the nature of the land is different? Houses can only be built on residential land or commercial and residential land, while apartments can be built on residential land or on comprehensive land (commercial and residential) or commercial land. Or educational land and other land use.
Fourth, the property rights of residential buildings are mostly 70 years, while the property rights of commercial apartments are 40 or 65 years depending on the nature of the land. In Nanjing, if you buy 60 square meters with 65-year property rights, you can settle down.
Fifth, water and electricity bills are calculated according to different apartment buildings. The water and electricity bills are calculated as commercial, while the water and electricity bills of ordinary residences are calculated as civilian. Moreover, many apartments are not qualified to open natural gas, which is still a headache!
Part 6: Registration of the purpose column of the property ownership certificate. When registering the property rights of an apartment with different supervisory departments, it must be clearly marked as an "apartment", and the purpose column of the property ownership certificate must be marked as "apartment".
Seventh, the loan threshold for investment in apartments is low, but the resale taxes and fees are high
For buyers who buy a second home or even multiple homes, the down payment for a commercial apartment is as low as five yuan. The down payment is much lower than the minimum down payment of 70% for a second house, and there are no purchase restrictions for commercial apartments, so there is no need to worry about the quota for house purchase. After the residential investment route was blocked by purchase restrictions, many buyers did turn their attention to commercial apartments.
From the perspective of rental return on investment, commercial apartments, like residential buildings, are mainly determined by the location where the building is located. However, it is worth pointing out that if buyers invest in apartments to wait for their appreciation and then resell them for profit, the high taxes and fees on commercial apartment resale transactions are a stumbling block that must be paid attention to.
The policy stipulates that second-hand residential transactions can be exempted from land value-added tax, but commercial apartment transactions cannot be exempted. The collection of land value-added tax generally implements a four-level progressive tax rate based on the value-added amount of the transferred land, that is, a tax of 30%-60% is levied on the value-added part according to the value-added amount.
In addition, a business tax of 5.5% will be levied on the total property transaction price regardless of whether the commercial apartment has been occupied for five years or not. In addition to other taxes and fees that need to be paid when transferring, it usually reaches 10%-14% of the total property transaction price. In other words, if you sell a commercial apartment for 1 million yuan, the various taxes and fees during the transaction alone will cost 100,000 to 140,000 yuan. It can be said that high taxes and fees will increase the difficulty of commercial apartment transfer transactions. The biggest risk of investing in commercial apartments will be that taxes and fees that are higher than those of residential units when they change hands in the future will be the biggest risk.
Nanjing is located in eastern China, on the lower reaches of the Yangtze River, near the river and the sea. It is the headquarters of the Eastern Theater Command of China. It is an important gateway city for the development of the central and western regions in the Yangtze River Delta planned by the State Council. It is also the eastern coastal economy. It is an important node city at the strategic intersection of the Yangtze River Economic Belt and the Yangtze River Economic Belt.
Nanjing is one of the first batch of national historical and cultural cities, an important birthplace of Chinese civilization, and has long been the political, economic, and cultural center of southern China. It has blessed China's Zhengshuo several times in history.
Nanjing has ancient human activities as early as 1 to 1.2 million years ago. Nanjing ape man lived in Tangshan 350,000 to 600,000 years ago. It has a history of more than 7,000 years of civilization, nearly 2,600 years of city building, and nearly 500 years of capital building.
Nanjing is an important science and education center in the country. It has been a city that values ??culture and education since ancient times. It is known as the "World's Wen Shu" and "the No. 1 Scholar in the Southeast". More than half of China's number one scholars in the Ming and Qing Dynasties came from Nanjing. Jiangnan Gongyuan.
As of 2020, Nanjing has 68 colleges and universities of various types, including 12 double first-class colleges and universities, 10 111 plan colleges and universities, 8 211 colleges and universities, and 81 academicians from the two academies, all second only to Beijing Shanghai; Ranking of the top 20 scientific research cities in the world, Nanjing ranks 8th in the world and 3rd in China.
In August 2020, the United Nations Human Settlements Program released a list of the top 100 cities in Asia. Nanjing ranked 11th in Asia and 5th in mainland China.