Yes, you can.
A company can buy a car in the name of a loan, but it needs to provide its business license, tax registration certificate and legal person ID card, and submit a loan application for approval by the bank.
However, the loan to buy a car in the name of the company can only be included in the after-tax expenses and cannot be deducted, but it can reduce the company's capital outflow.
Therefore, after borrowing money to buy a car in the name of the company, the company's financial treatment should be proper, and tax evasion is never allowed.
The specific process of buying a car in the name of the company is as follows:
1. customer application: the customer applies to the bank, fills in the application form in writing and submits relevant materials at the same time;
2. Signing a contract: After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate;
3. Loan issuance: After all formalities are completed, the bank will directly transfer the loan to the car dealer's account according to the transfer method agreed in the contract;
4. Repayment on schedule: The borrower shall repay the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;
5. Settle the loan.
legal ground
company law
Article 3 A company is an enterprise legal person, which has independent legal person property and enjoys legal person property rights. The company is liable for its debts with all its property. Shareholders of a limited liability company shall be liable to the company to the extent of their subscribed capital contribution; Shareholders of a joint stock limited company shall be liable to the company to the extent of the shares subscribed by them.
Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
Type of automobile loan
Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.
The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.
In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.
Can I borrow money to buy a car in the name of the company?
Of course. For cars under the company's name, the company as a legal person can apply for mortgage loans with vehicles.
Legal basis:
Interim Measures for the Administration of Personal Loans
Article 11 An individual loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Can I borrow money from a public account to buy a car?
Of course. You can borrow money to buy a car in the name of a company. You need to pay attention to the following aspects: If you want to borrow money to buy a car in the name of a company, you need a company legal person to apply for a loan; When applying, you need to provide legal person ID card, marriage certificate, household registration book, company tax return within three months and business license; Need to provide the guarantor's ID card, marriage certificate and household registration book; If the shareholders of the company misappropriate company funds and open an account in their own name or in the name of other individuals, then the vehicles purchased by the shareholders with the funds shall be owned by the company.
Can I get a car loan for my company?
The company can borrow money to buy a car. To borrow money to buy a car in the name of the company, users need to provide the company's business license, tax registration certificate, legal person ID card and other documents before submitting the loan application. Individual users need an ID card to borrow money to buy a car. In addition, it is also necessary to meet the application conditions for car loan to buy a car in the name of the company.
If the company's loan to buy a car is overdue, it will affect the company's credit information, so it is impossible to apply for other loans before the company's credit information is restored.
Can I borrow money to buy a car in the name of the company?
You can borrow money to buy a car in the name of the company. However, if the company's shareholders misappropriate the company's funds and open an account in their own name or in the name of other individuals, the vehicles obtained from the loan contract concluded between the shareholders shall be owned by the company. The People's Bank of China shall not provide guarantee to any unit or individual.
Things to prepare for buying a car
There is also the income certificate of the company unit, as well as its own deposit certificate and so on. If you buy during the dealer's disposition period, you should sign a car purchase contract with the dealer. Then the last thing to be provided is the balance of a bank card. The balance of this bank card cannot be lower than the down payment. Only when dealers and banks know that everyone has a certain purchasing power will vehicles agree to borrow money to buy a car.
Then the last thing is to mortgage the car, such as the company's bank card or the rent. If there is no return at that time, then dealers and banks can also take the mortgaged things.
It is important to pay back on time.
The amount of collateral must exceed the amount of the loan vehicle, and only in this way can it be handled. Then if you borrow money to buy a car in the name of the company, you need to make records, such as prepayment, which is very important. Because once overdue, it will affect a company's reputation.
Certificates to be provided
The company's business license also needs to be brought. Only with a business license, dealers and banks will know that this company is formal. And if necessary, it is also necessary to provide banks and distributors with the company's annual income or monthly income. In fact, it is really troublesome to borrow money to buy a car and a house, but it is also to protect the legitimate rights and interests of dealers and banks.
According to the automobile loan management measures:
Chapter IV Institutional Automobile Loans
Article 18 The term "institutional automobile loan" as mentioned in these Measures refers to the loan granted by the lender to legal persons other than dealers and other economic organizations (hereinafter referred to as institutional borrowers) for the purchase of automobiles.
Article 19 A borrower applying for an institutional auto loan must meet the following conditions:
(1) Legal documents proving the borrower's subject qualification, such as business license of enterprise legal person or certificate of institution legal person, business license of branch legal person and business license of individual industrial and commercial households;
(2) It has legal and stable income or legal assets sufficient to repay the loan principal and interest;
(3) Being able to pay the prescribed down payment;
(4) No major breach of contract or bad credit record;
(5) Other conditions required by the lender.
Article 20 Lenders shall refer to the provisions of Article 15 of these Measures, establish independent credit files for each institutional borrower, and strengthen the tracking and monitoring of credit risks.
Article 21 When lending institutional commercial vehicle loans to institutions engaged in car rental business, lenders should monitor the borrower's estimation method of surplus value to prevent risks brought to lenders due to overvaluation of surplus value.
Can the company car be mortgaged?
The company's car can be mortgaged, but the loan must be applied in the name of the company.
To use the company's car as a mortgage loan, the following conditions need to be met: the enterprise has independent legal personality and is a domestic-funded enterprise registered in the administrative department for industry and commerce; The car is under the name of the enterprise; Only the company legal person or shareholder has the right to handle the repayment of vehicle mortgage loan on behalf of the enterprise.
Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.
The longest loan period is not more than 30 years, and the second-hand housing provident fund loan is not more than 15 years; The loan amount is 70% of the appraised value of the house; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate shall change according to the loan term. The following is the latest loan interest rate table of 20 13 (the interest rates of banks have risen according to the housing situation).
Article 12 of the Interim Measures for the Administration of Personal Loans, the lender shall require the borrower to apply for personal loans in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions. Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion. Article 26 The lender shall standardize the guarantee process and operation in accordance with the relevant provisions of People's Republic of China (PRC) Property Law, People's Republic of China (PRC) Guarantee Law and other laws and regulations. The Lender shall participate in the mortgage registration according to this Contract. If the lender entrusts a third party to handle the matter, it shall verify the registration of the collateral. Personal loans secured by guarantee shall be completed by at least two loan officers.
Can Gong Hu get a loan on the bus? Let's stop here.