Regret buying an apartment as a residence for a long time

Apartment is a type of house in the real estate industry, which is common in the rental market. However, some people bought an apartment as a residence, and some friends said that they "regretted buying an apartment as a residence for a long time". Why? How will loft apartment develop in the next 10 year? Let's analyze the advantages and disadvantages and investment value of loft apartment for everyone.

Regret buying an apartment as a residence for a long time?

Take LOFT apartment as an example, many people regret buying loft apartment, mainly because of its shortcomings:

1, 40-year property right, low appreciation space.

According to the latest property law, the right to use residential construction land will be automatically renewed when it expires, and the renewal of the right to use non-residential construction land will be handled according to law. In other words, the 40-year-old commercial property LOFT apartment needs to pay the land transfer fee when it expires. As for how and how much to pay, it is still unknown. In addition, compared with residential buildings, LOFT apartments have lower appreciation space. When I want to change rooms in a few years, I found that the surrounding house prices have increased by 200%, while the LOFT in your hand has only increased by 20%. This kind of mood is self-evident.

2. Can't settle down

As we all know, commercial apartments are not allowed to settle down, nor can they enjoy degree rooms in the region.

The swimming pool has a large area.

The compound swimming pool is larger than the flat floor. Flat shared high-rise buildings account for 20%, but general duplex shared buildings account for about 26%, even as high as 30%. As the pool area increases, the housing acquisition rate will decrease accordingly.

4. The down payment ratio is high, and provident fund loans are not allowed.

LOFT has a minimum down payment ratio of 50% and a maximum loan period of 10 year, and can only use pure commercial loans instead of provident fund loans.

5. High cost of living

Loft apartment for commercial and residential use, water, coal, electricity and other expenses are charged according to commercial standards, and the property fee will be higher, which increases the daily living cost.

6. The living environment is average

Loft is mostly used for business, and there are many people mixed up. Privacy, noise, and even travel elevators should also be considered. The stairs in apartments are generally steep and narrow, which are not suitable for the elderly and children. Finally, the Loft apartment is 4.8 meters to 5.2 meters high and is divided into two floors. The height of the upper and lower floors is relatively low, which may cause the upper floor to stand upright, especially unfriendly to tall people.

How will loft apartment develop in the next 10 year?

Loft apartment has room for appreciation. Due to the influence of the market and policies, the return on investment in the housing market has been different from that of that year. Even though house prices are still rising, high house prices have become an obstacle to investors. Compared with millions of houses, lotf apartments have a high return on investment in the market.

1. Any investment product has two sides, and advantages and disadvantages coexist. But whether a project is worth investing depends on its income.

Generally speaking, the return on apartment investment mainly comes from rent. For example, a loft apartment in Longhu Langlan constellation was bought for 400,000 yuan and rented for 2,000 yuan a month. Then according to the rough calculation formula of rental rate of return, rental rate of return = (monthly rent * 12)/ total house price = (2000 *12)/400,000 =6%.

3. The ultra-high rental return rate of 6% completely outperforms other financial management methods on the market. What's more worth mentioning is that the rent will not remain unchanged after the apartment is rented. If the house price rises in this area, so will the rent and the rate of return. What's more, in the investment hotspot of Huanwan, the appreciation potential is even more promising!

To sum up, I regret buying an apartment for a long time, and then introduce the development of loft apartment in 10. It can be seen that loft apartments have many shortcomings, which are generally used for rent and have less long-term residence. If it is used to invest in the investment value of loft apartment, it has great appreciation potential.