The so called resi units from 7th floor onwards are also Soho under commercial title. Really the only disadvantage is, as u rightly said, in future if we sell, buyer needs to fork out 20% instead of 10%. But to me, as the cost is low, so 10% I extra is not really a lot. I however see an advantage i.e if one has more than 2 loans, buying resi unit, one can get oly 70% loan but if buying commercial unit, one can still get 80%. Moreover, developer is pricing a premium for resi units compared to commercial. So in future if ommmecial is cheaper, it will be easier to sell.     

Can't simply markup like that. Bank need to do property valuation first and the margin of financing will be based on that figure.

commi?

Got lock-in period and compulsory Mrta?