本文目录一览:
- 1、什么是商住小区
- 2、商住楼是什么意思?
- 3、什么是商住楼
什么是商住小区
商住小区是指小区内的楼房既是商业用的也是住宅用的,这样的楼房叫商住楼。
商住楼是指该楼的使用性质为商、住两用,商住楼一般底层(或数层)为商场、商店、商务,其余为住宅的综合性大楼。
商住楼不分建设主体,不仅开发商可以建,非开发企业、个人也可以建,没有规定必须出售。商住楼的土地使用性质为综合用地,所以商住楼产权只有40或者50年,商住楼贷款年限也仅10年,还款压力会大于住宅,生活成本开销也会高于普通住宅。
扩展资料:
商住楼的优缺点
商住楼不受限购的影响,且单价相对便宜,通常情况下所在地理位置都比较优越,交通方便,而且商住楼既可以居住,又可以注册公司办公。
商住楼相比住宅来说,其位置大多位于繁华区,周边各种生活配套相对来说都较为成熟,无论是餐饮、交通、商业配套几乎已成为标配。不论是把楼房出租还是自住,由于其周边人群一般比较密集,因此楼房价值是很可观的。
但是商住楼的缺点也很明显:
一是不能户口落户,没有学区派位;
二是商住楼可以办公用,所以会出现写字楼很多的情况,那么进出人员就会比较复杂;
三是商住楼的水电费用是按商用水电来计算的,所以费用会更高;
四是使用年限较短,只有40-50年,后期如过进行交易,税费会比较高。
参考资料:
百度百科-商住楼
商住楼是什么意思?
商住楼一般是该楼的使用性质为商、住两用的,商住楼一般就是底层(或数层)为商场、商店还有商务,其余的也是住宅的综合性的大楼。
一般来说,商住楼的物业管理现实中也是存在一些问题的。法律上也没有明文的禁止说不可以在楼里办公司,但是也是有这种话,过去的一些房屋的管理规定就是不可以擅自改变房屋的性质。商住楼里扰民的问题也是需要注意的。
购买商住楼注意事项
1、商住楼的房屋产权是40-50年。
2、商住楼不限购,但是也不能落户,对有落户需求的购房者来说要慎重考虑。
3、商住两用房只能全款或用商业贷款,且贷款利率在基准利率基础上上浮10%。不可使用公积金贷款和组合贷款,且最多可贷房款的50%,时间最多贷10年。
4、商住两用房在进行二次交易时,税费要比一般商品房高。契税征收评估价的3%,个税征收差额的2%,营业税征收差额的5.62%,公共维修基金按照133平/元缴纳,还需交房产税,但一般使用租赁税代替,每套房屋还需要交6000到10000元不等的租赁税。
什么是商住楼
商住楼是指该楼的使用性质为商、住两用,商住楼一般底层(或数层)为商场、商店、商务,其余为住宅的综合性大楼。商住楼不分建设主体,不仅开发商可以建,非开发企业、个人也可以建,没有规定必须出售。
商住楼的土地使用性质为综合用地,根据国家土地法规定,综合土地的使用权年限为50年。
扩展资料
商住楼与普通住宅区别有以下几点:
1、价格方面: 住宅面积大,总价高。商住楼属于小面积低总价。也可以说是首付有差异。商住楼首付需付五成,普通住宅最少只用付三成。
2、功能方面:住宅可以上学和落户,商住楼可以注册公司。
3、产权方面: 住宅产权70年,商住楼产权40年。
4、建筑结构方面:住宅为板式建筑,商住楼一般为塔楼。
5、使用成本方面:住宅水电民用,商住楼水电费商用,较高。
6、持有成本方面:住宅物业费较公寓低很多。住宅一般为2元/平米/月左右,商住楼3.5元/平米/月+;生活缴费的差异。
7、住宅可以天然气入户,商住楼不可以的。
8、交易费用的差异。普通住宅项目初次购买和未来 *** 时契税为1.5%,而商住楼,其契税按3%缴纳。
备注: 住宅一般泛指70产权住宅房。公寓指40年产权的商住楼。
参考资料来源:百度百科-商住两用
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