Modern life is getting faster and faster, and buying a house in the city is getting more and more expensive.
Some people pursue efficiency, spend two generations of savings, and borrow millions of dollars to take out two rooms and one living room in the city center
Some people look at the future, the second-hand house outside the eighteenth ring, you can't buy a loss, you can't buy a fool
Some people consider cost performance, linear programming calculus, and buying a house is comparable to a large math exam
However, everyone is an adult, especially for young people who are just emerging from society:
"Children make choices, I want them all"
So they bought it
Loft apartment
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You often hear apartment ads like this in life:
Are you worried about high housing prices?
Are you lost because of the purchase restriction policy?
Are you tired of the 996 house slave life?
Second Ring Centre, Central CBD, Luxury Apartments
Not five million, not three million, just 990,000! Just 990,000! It's better to act than to act, come and grab it!
Ask for the price, select the type, carry the bag to stay, all in one go.
Don't forget to send a circle of friends: no, no, no, no, it's 2102, and some people spend millions to buy a house?
First month of stay: ??? How is my utility bill a bit expensive???
12th month of stay: ??? I didn't have a school district degree when I got married???
120th month of stay: ??? I can't sell my apartment???
The 240th month of staying: developer, I XXX! refund
Yes, you read it right, this scene is like Guo Xiang seeing Yang Guo: "Street advertising first met, a loft mistaken for life"
Because from the moment you decide to start a loft apartment, you become a "lamb to be slaughtered" in the eyes of the developer.
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Actually loft apartment is a magical thing.
You say he's a residential apartment, he's not a residential apartment. You say he's not a residential apartment, he's a residential apartment.
For this reason, the little marshal would like to call it "Schrödinger's apartment".
Strictly speaking, there are two kinds of apartments in China: ordinary residential apartments and serviced apartments.
The former is a general house, often larger, what household registration seventy years of property rights compulsory education degree has everything, the disadvantage is a word:
expensive!
The latter land belongs to commercial land, the scale is not small, such as a variety of youth inns, no household registration and no degree property rights are only forty years, the reason is very simple: this thing is not for people to live for a long time, I have not heard of anyone who lives in Hanting can also get a school qualification.
So the question is, if you are a real estate owner, when you have completed the contracted commercial land development, there are still some small scraps left, what will you do? Let them eat ash in the horns?
Nonono。 If you have money and don't make a fool of yourself, capital will never give up any opportunity to cut leeks.
So, they used scraps to make up a "stitching monster" - the loft merchant to live in the apartment.
According to the developer, this kind of apartment "has the dual function of office building and home". But the saying is also true in reverse, that is, "it can neither be an office building nor meet the needs of housing." ”
On the one hand, the developers get their hands on the commercial land, they can not change the type of land use without authorization, otherwise they will face the water meter, so they must do the premise of commercial land, which is doomed to no matter how to operate, it is impossible to have 70 years of property rights, it is impossible to settle down, it is impossible to have a school district, and it is impossible to enjoy the water and electricity of residents.
On the other hand, the developer's scraps can not attract commercial companies, it can only be sold to ordinary people, ordinary people's needs are very simple, that is, can live, so the developer must package it as much as possible "like a house", so the external publicity "within the second ring, the central CBD, 10 minutes commute, buy is earned" and then press the price to only one-half or even one-third of the houses in the same area.
Can it not be depressed, this is purely hanging sheep's head to sell dog meat, it can definitely earn a vote is a vote, and run away immediately after earning it.
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To be reasonable, China's 1.4 billion people, bought loft apartments and found that they were deceived and wanted to help themselves, but there are not many. However, the ideal is very happy, and the reality is very bone.
You ordinary people on the "thief ship" still want to come down intact, without shedding a layer of skin, that is to look down on the power of capital.
There are two kinds of difficulties, one on paper and one in reality, let's nag one by one.
First of all, as commercial land, its transaction process is different from ordinary residential. In addition to stamp duty, deed tax and VAT, loft apartments also pay a difference of 20% individual tax and a difference of 30% to 60% of the difference in land VAT.
For example, you spent 2 million to buy a house, now appreciated to 2.8 million, if it is a second-hand house for sale, then the taxes you need to pay are 800,000 * 5.65% + 2.8 million * 0.05% + 2.8 million * 3% equals 130,000 yuan, you net income of 669,600 yuan.
But what if it's a loft apartment for business conversion? On the basis of 130,400, the minimum land value-added tax of 800,000 * 30% and the personal income tax (800,000-240,000-45,000-140,000-84,000) * 20% * 20% of the personal income tax, the final tax payable is 130,400 plus 262,000 yuan equals 392,400 yuan, rounded to 400,000 yuan.
Good fellow, I sold a total of 800,000 differences and you told me that half of them are taxed?
This is not the worst, because the above calculation is true of the premise that you can find the seller.
In July last year, there was a news in Chengdu that a commercial housing project was hyped up, and it was necessary to buy a house and shake the number.
As a result, on the opening day, two-thirds of the owners chose to abstain, and the first month's sales were 50% lower than expected. The data of new houses that have not been sold are tragically like this, so can it be hot in the second-hand housing market?
From a statistical point of view, second-hand transactions are equivalent to two batches of buyers, and the number of small whites who do not know how to do it should be discounted. Therefore, every receiver is an angel, and every loft trader deserves to be treated kindly.
The third and most fatal point is that the commercial reform apartment project is still free from the gray area of the law, frantically testing on the verge of breaking the law.
In March 2017, Beijing issued the Announcement on Further Strengthening the Management of Commercial and Office Projects, which set a precedent in the country and explicitly prohibited individual traders from re-living in apartments.
In October 2020, the Guangxi Nanning Natural Resources Bureau gave high-profile support to The Greenport Group's commercial housing project, which was also regarded as a major decision affecting urban development.
In March this year, Nanjing issued the "Joint Review Measures for the Planning and Construction of Existing Buildings to Change and Use Functions", and once again strictly prohibited the "commercial to residential" project, and at about the same time, the Shenzhen Municipal Government announced that the "commercial to residential" project was connected to gas.
According to this market, the legal status of the loft apartment in the commercial reform has also become a problem for Schrödinger. You don't know whether it is legal or not, Nanning says yes, Beijing says no; Shenzhen says yes, Nanjing says no. You don't even know when it's legal.
It is not allowed to buy an apartment in the morning, and in the afternoon, a document will be issued to stop personal transactions, and the one or two million funds thrown in at that time will all fall into their own hands.
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In recent years, the popularity of commercial apartment conversion is not accidental.
The main reason is still high house prices, under the high house prices, there will inevitably be people who choose to be opportunistic, and the developer is precisely to pinch this part of the people "and want the horses to be good" and "want the horses not to eat grass" speculative psychology, only to develop a low-quality loft apartment.
In essence, this is a basic means of using information inequality to do business, not a fraud, but definitely not much elegance, we as ordinary people want to buy a house, or honestly go to the formal real estate trading center, in order to avoid the "one into the loft deep like the sea, from then on no chance of commercial housing" life tragedy.