Apartments, that is, apartments, are a form of residential real estate in commercial real estate investment.

Apartments have always attracted the attention of many buyers with their selling points such as unlimited purchase, free purchase, low unit prices, high cost performance, no lottery required, and the ability to buy at any time.

Ran Goose!

If you just need to buy a house, Xiaoliang doesn’t recommend that you choose a second-hand apartment!

why?

Apartments are cheap and there are no purchase restrictions. Why can’t you choose second-hand apartments if you just need them?

!

Next, Xiaoliang will explain to you from the aspects of apartment hardware, cost performance, taxes, added value, etc. why you should not choose second-hand apartments when you just need to buy a house ~ Apartment Hardware To be honest, there are really many apartments in some residential areas.

Unparalleled benefits, such as occupying a location with convenient transportation and developed commerce, the price is relatively lower than that of residential buildings, and the purchase threshold is not high (social security/personal tax conditions are not required), and it is not affected by household registration and other factors

.

However, due to the inherent factors of apartments, the floor plan and lighting of ordinary apartments are not as good as those of residential buildings. It is difficult to achieve transparency from north to south, or fully illuminate the house.

Moreover, most apartments often have multiple, or even dozens, of households per elevator. The living density is very high, which means that it takes more time to wait for the elevator when traveling during the morning and evening peak hours.

The shared area of ??cost-effective apartments is generally between 25% and 30%. In other words, if we buy an apartment with a floor area of ??60 square meters, the internal area of ??the apartment may only be 42-45 square meters. Whether you lose or not is up to you.

In addition, most apartments are built on commercial land, and water and electricity are charged according to commercial standards, which is much higher than residential water and electricity charges. Moreover, the property fees of apartments are relatively high, and overall the cost of living will not be very low.

Liangzhi Puhui Search Appraisal House Purchase Calculator How much tax do I need to pay when buying a house?

The calculation results are clear at a glance!

Mini Program Taxes Compared with ordinary second-hand housing, second-hand apartment sales have to pay very high taxes: 1. Deed tax; the deed tax for an apartment is generally paid based on the total purchase price, that is, 3% of the tax-calculated price.

2. Stamp tax: 0.1% of the total purchase price, with the buyer and seller each paying 0.05%.

3. Value-added tax; if an invoice can be provided, it will be paid at the rate of 5.3% of the added value of the house, that is (taxed price - starting invoice price) * 5.3%; if no invoice is provided, it will be paid at the rate of 5.3% of the taxed price.

4. Personal income tax; if an invoice can be provided, 20% of the difference between the two transactions will be paid, that is (taxable price - initial invoice price) * 20%; if no invoice is provided, 1.5% of the taxable price will be paid.

5. Land value-added tax; if an invoice can be provided, a value-added tax of 30%-60% will be levied on the value-added part according to the value-added amount of the land; if an invoice cannot be provided (only for individual sales), a value-added tax of 5% of the taxable price will be paid

.

6. Other taxes and fees; because the amount is small, I will not go into details here.

Note: Regulations vary from place to place. The above data and payment standards are for reference only. Because the tax calculation for second-hand apartments is relatively complicated, and the land value-added tax needs to be verified and calculated, it is recommended to choose a trustworthy institution when trading and reasonably control transaction risks.

When an apartment is traded as a new house, it only needs to pay 3% deed tax and 1% public maintenance fund!

However, as can be seen from the above tax standards, the taxes and fees to be paid for second-hand apartment transactions are not only complicated, but also the amount is not very small. Therefore, it is not recommended to take over a second-hand apartment if you just need to buy a house.

In addition, people who want to buy an apartment and resell it in a short period of time to make a profit on the difference should think twice before doing so~ Value-Added Ordinary residences generally have advantages such as settlement, degree, and financial attributes, and can also be used for mortgage loans; while apartments

The vast majority of them are not in school districts. They cannot settle down and their children cannot go to school nearby. If there are children in the family who are about to enter school, then buying an apartment as the only house purchase at this stage is obviously not a wise decision.

If you want to resell it later, you will have to pay relatively high taxes.