What should I do if I buy a commercial house? Full analysis of hot topics and solutions in 10 days
In recent years, commercial housing has attracted many buyers due to its advantages such as low prices and no purchase restrictions. However, the ensuing issues such as property rights, taxes, and difficulty in changing hands have also frequently triggered heated discussions. The following are the hot topics and structured data on commercial housing in the past 10 days (as of October 2023) across the entire network to provide reference for people who have purchased or plan to purchase commercial housing.
1. Top 5 hot topics in business and housing in the past 10 days
| Ranking | Topic keywords | Discussion popularity (index) | Main points of dispute |
|---|---|---|---|
| 1 | Commercial and housing transfer taxes and fees | 128,000 | Calculation method of high value-added tax and land value-added tax |
| 2 | Risks of mixed commercial and residential property rights | 95,000 | Renewal issues after the 40/50-year property rights expire |
| 3 | Commercial and housing loan restrictions | 72,000 | The down payment ratio is high and the interest rate rises by 20%-30%. |
| 4 | Policies for commercial-to-residential changes are loosened | 61,000 | Some cities allow water and electricity to meet civil standards |
| 5 | Commercial and residential rental income | 49,000 | Rental yield vs. long-term residential value appreciation |
2. Common problems and countermeasures when buying commercial housing
1. What should I do if the property right period is short?
Commercial and residential real estate rights usually last for 40-50 years. After expiration, land transfer fees need to be paid for renewal. Recent cases in Beijing, Shanghai and other places show that the renewal fee is about 1%-3% of the house price. Suggestions:Plan ahead, incorporating the cost of equity into the long-term holding budget.
2. How to reduce losses due to high resale taxes?
| Tax type | residential tax rate | Commercial and residential tax rates | Optimization suggestions |
|---|---|---|---|
| value added tax | Exemption after 2 years | Difference 5.6% | The difference base can be reduced after holding for 5 years |
| land value added tax | No collection | 30%-60% | Purchases in the name of a company are tax deferred |
| personal income tax | 1% or 20% difference | 20% difference | Provide renovation invoices to offset costs |
3. How to improve the poor self-occupancy experience?
Common problems in commercial housing include high water and electricity bills, no gas, and high property costs. Countermeasures:①Apply to the local government for a "commercial to residential" pilot project (for example, Hangzhou has allowed implementation according to civil water and electricity standards);②Install energy storage equipment to reduce electricity costs.
3. Three exit paths for commercial and housing businesses
According to recent market cases, the priority of exit methods is as follows:
| way | average period | Yield | Applicable people |
|---|---|---|---|
| long term rental | Instant | Annualized 4%-6% | Those who are not in urgent need of funds |
| Rent for sale | 2-3 years | Premium 10%-15% | transitional investor |
| selling at a loss | 1-6 months | Loss 20%-30% | Capital chain breaker |
4. Expert advice: Can I still buy commercial housing?
Summary of recent financial expert opinions:①Pure investment requires caution, as commercial and housing prices in cities such as Beijing have fallen back to 2015 levels;②Only properties in "core areas of first-tier cities + subway entrances" are recommended for self-occupancy;③Pay attention to the dividends of the local government's "conversion of business to rental" policy.
Summary: Commercial housing is a double-edged sword. Purchasers need to reduce losses through tax planning, policy utilization, etc., while potential buyers should fully weigh liquidity risks and return expectations.
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