Just need to buy a house depends on whether one person lives to buy an apartment or a small apartment.

Living alone, with limited financial resources, is it better to buy an apartment or a small apartment? This is a problem that many people who just need home buyers will consider when buying a house. Today, we will specifically talk about the differences between the two.

difference 1: apartments and houses enjoy different policies

the biggest advantage of apartments is "unlimited purchase and unlimited loan". The so-called "unlimited loan" means that no matter how many sets you buy and how many times you borrow, as long as you repay them normally, it will not affect your future mortgage. However, you can't use provident fund loans for apartment loans, and you can't withdraw provident fund on the grounds of buying apartments. Because provident fund loans are special funds for the purchase of individual housing, non-residential properties cannot be used.

residential houses are "restricted in purchases and loans". On October 2, Jinan issued the detailed rules for the purchase restriction of the property market, and the down payment for purchasing the first and second houses was raised to 3% and 4%. Those who have three houses are not allowed to buy houses for the time being, and those who are not registered in Jinan are restricted to purchase one house. The so-called "loan restriction" means that the bank stops lending when buying the third house.

difference 2: the residence and degree are different

the apartment cannot be settled and there is no degree. The residence can be settled if it meets the requirements and has a degree.

whether you can buy a house or not depends on the nature of the land where the project is located. If it is purely commercial, it cannot be settled alone, so the apartment cannot be settled; If it is comprehensive, then the commercial part cannot be settled, while the residential part can be settled. Therefore, some commercial buildings can be settled, but most apartment products cannot be settled.

Like "unable to settle down", the apartment does not have a degree. Even if there are famous schools nearby, the children of the owners cannot enjoy the degree of a famous school. For the old city property that has always been favored by the market with the advantage of a prestigious degree, the apartment is relatively weak in the later period. Therefore, relatively speaking, the difference in price between apartments and houses in famous schools will be even greater.

Difference 3: Functional differences

In terms of functions, apartments should pay more attention to comfort, completeness of functions, service and rationality of structure on the basis of ensuring basic living functions.

generally speaking, our house area should reach more than 12 square meters to make a very reasonable and detailed zoning, so small apartment buildings are obviously not feasible. As long as the general commercial residential area is sufficient, it can well meet the functional needs of living and all aspects. It won't be discounted like a small apartment, but the large area means the higher the price, which is for sure.

difference 4: hidden costs are different

apartments: commercial utilities and property management fees are generally high, and naked fire is not allowed. Residential: Residential utilities and management fees are generally low, and open flames can be used.

The holding cost of an apartment is generally higher than that of a house. First of all, apartments should use commercial water and electricity. Roughly speaking, commercial water and electricity is about twice as much as civil water and electricity. In addition, some apartments can't be connected to gas pipelines and can't use open flames. Some projects are strictly managed, even bottled gas can't be sent upstairs, and daily household can only be electrified, and the cost of electricity is higher. Statistics show that the cost of water and electricity for commercial apartments is usually nearly 7% higher than that for ordinary houses.

Difference 5: The shrinkage ratio should be calculated

Apartment: utility rate 7 has achieved good results, with a service life of 5 years at most. Residential: The maximum utility rate capacity is about 8%, and the maximum service life is 7 years.

since the small apartment itself has a small area, the layout of the apartment, the area of the house, the rate of getting a room, the orientation of the house, the standard of decoration, the number of apartments on each floor, the number of elevators on each floor and the landscape greening will all have an impact on the customers, which in turn will affect the rate of return. And the house area is too small, and the low room rate will affect the use function. But the housing is different, the housing pool is relatively small, which can reach about 8% in utility rate.

In addition, the difference in service life is the biggest difference between apartments and houses. The land service life of commercial apartments is only 4-5 years, while that of residential houses is as long as 7 years. According to the interpretation of the Property Law, residential properties can be automatically renewed when the land use period expires, but commercial properties still have no relevant laws and regulations to follow for the time being.

Difference 6: Different location

The characteristic of the apartment is that it is located in the central location, and it is usually presented as a small apartment with full decoration. The residents are mainly long-term business customers, and what they value is convenient location and quasi-hotel-style living experience. Therefore, young people choose apartment buildings more. First, the area is small and the total price is relatively low. The second is that it is close to these commercial bodies, which is also in line with the lifestyle of young people.

The residential property is more emphasized. Around the ordinary residential buildings, facilities such as schools, greening and medical care are often provided. However, it takes some time to improve the surrounding facilities around some new discs, so there may be some inconvenience in the first few years of purchase.

(The above answer was published on November 23, 216, and the current purchase policy should be based on the actual situation)

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