Business apartments are not small property houses, but also large property houses. What distinguishes the size of property rights is whether the land where the building is located is the land sold by the government. As long as the commercial land used for commercial apartments is sold by the local government, all the properties on this land are considered as large property houses, but the 40-year property rights of commercial land are different from those of ordinary houses for 70 years. Small property houses refer to houses built on collective land.

The difference between an apartment and a house

1, different property rights.

First of all, there is no limit on the use time of houses, 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. The utilities are different.

The residence belongs to the civil residence, and the water and electricity charges are charged according to the civil water and electricity standards; Commercial apartments belong to commercial houses, and utilities are charged according to the standard of commercial water and electricity consumption. In the long run, the water and electricity expenditure of residential buildings will be reduced by half compared with that of commercial apartments.

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

Commercial apartment is a project built on commercial land, which belongs to commercial nature, so it can't solve the hukou problem. If it is residential, according to the different requirements of different regions, as long as certain conditions are met, buyers can solve the hukou problem.

4. Different living comfort.

Generally, there are two stairs, three or four, with few people, which will not bring trouble to travel and have better privacy; Commercial apartments are generally two stairs and ten households, or even more. There are not only many people but also chaos, and security and privacy cannot be well guaranteed.

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

If you plan to borrow money to buy commercial housing, you need to handle it in accordance with the provisions of commercial housing. The down payment ratio of the first suite is generally not less than 40%, and the loan interest rate will be relatively high. If you buy a house with a loan, the down payment ratio is usually not less than 35%, but it will be different according to regional differences.

6. Different lighting conditions

Some commercial apartments have no windows in bathrooms and kitchens, and balconies are also inner balconies, so the lighting conditions are not very good. According to the Code for Design of Residential Buildings, residential buildings must meet the sunshine, lighting and other related conditions. Therefore, most of the current houses are bright kitchens and bathrooms, and the lighting conditions will be much better than those of commercial apartments.