The difference between commercial housing and commercial housing

Commercial housing refers to the houses that are operated by qualified real estate development companies (including foreign-invested enterprises) and sold at the market price after obtaining the land use right through transfer under the market economy conditions. In addition, legally speaking, commercial housing refers to all kinds of commercial housing that can be traded freely in the market according to laws, regulations and relevant regulations and are not restricted by government policies, including newly-built commercial housing and second-hand housing (stock housing).

There are two explanations for commercial housing: first, it can be a storefront or a house (commercial and residential); Second, downstairs is the storefront, upstairs is the house, and the property rights belong to the same person.

First, commercial housing and residential construction planning purposes and use nature are different, their supporting facilities are different, and the content of property certificates is also different;

Second, there are differences in the term of land circulation. Commercial complexes and apartment hotels are only 40 years old, and the residential land transfer period is 70 years. In the later period of commercial housing, the land use right needs to be renewed;

Third, the loan period is different. General commercial loans cannot exceed 10 years, and you cannot apply for housing provident fund loans.

Fourth, the taxes and fees are different, and the commercial category cannot enjoy the tax and fee concessions of the residential category; Maintenance funds are charged at 2% of the transaction price, and residential funds are charged at 6% to 8% of the cost price;

Fifth, the use cost of commercial projects is higher than that of residential projects. Water, electricity and gas in commercial projects are charged according to commercial standards, and property fees are also higher than residential properties. Moreover, commercial complex buildings cannot be settled when they are used for living.