The length of the loan is a little short

　　因为公寓的贷款年限只有10年，而住宅**长可达30年，同时公寓目前首付**少是5成，听起来**笔钱就是不小的数目，但是换言之，首付多了，年限少了，利息也相对来说少很多，至于月供多少就看你选择的公寓大小了，合理选择的情况下，其实月供相对还是挺乐观的。

　　Because the apartment loan period of only 10 years, 30 years and up to the residential, apartments are currently down payment is at least 5, the number of the first sound money is not small, but in other words, Shoufu more, fewer years, interest rates are relatively less, as for how many months to see you choose the size of flat, reasonable choice, in fact, for relatively optimistic.

　　短期转手要慎重

　　A short transfer should be prudent

　　相比住宅而言，公寓的转让税费更高。住宅在营业税、个税、契税等方面，会根据政策有不同程度的减免，普通住宅符合政策要求的情况下，**甚至仅需缴纳2％－3％的主要税费。

　　The transfer of the apartment is higher than that of the house. In the housing business tax, tax, tax and other aspects, according to the policy will have different degrees of reduction, ordinary residential policies in line with the requirements of the situation, the main taxes lowest even only pay 2% - 3%.

　　而公寓（商业）目前极少有减免政策，较住宅还增加了土地增值税，各项税费加起来，通常税费**达到物业交易总价的10％。这一笔“酱油贵过鸡”的惊人税费，令商用公寓换手率通常都较低，转手相对不容易，通常需通过长线放租获利，在收租10－20年后才会选择卖出。

　　However, apartments (business) have very few reduction policies at present. The land value-added tax is added to the houses. The taxes and fees generally add up to 10% of the total property tax. This is a stunning tax "soy sauce too expensive chicken", the commercial apartment turnover rate is usually low, relatively hands is not easy, usually through long-term leasing profits, sold in 10 to 20 years before the rent.