It's possible. Buying a house in the name of a company can be a loan, and the buyer can be an individual or a company.
However, buying a house by a company is generally considered as a commercial house. The loan amount is generally 50%, and the interest rate is 10%, and only foreign companies are allowed to buy a house in China.
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Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out in the form of loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Traditional loans (also called offline loans) refer to submitting loan applications in the real life of RMB loans through banks. )
Online loan (also called online loan, which refers to the application submitted by online loan) is a P2P financial loan.
The establishment of P2P was born between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts and running away. Internet finance has no fixed investment group, which can effectively solve the safety of platform operation and protect the interests of investors.
Mobile phone loan (refers to submitting a loan application through the mobile phone loan app, which is flexible and convenient at any time and place)
Basic provisions of the loan: the loan target is China citizens with full capacity for civil conduct who have reached the age of 18 to 60.
Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower.
The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating. Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB.
Loan term: the maximum validity period of the mortgage line is 5 years, the maturity date of the pledge line shall not exceed the maturity date of the pledge right, and the maximum validity period of the credit line and the guarantee line shall not exceed 5 years. The validity period of the line shall be calculated from the effective date of the loan contract.
If the borrower applies for two or more lines of pledge, mortgage, guarantee or credit at the same time, the Construction Bank will verify the validity of the borrower's personal consumption line loan according to the shortest line. After the limit expires, it is not allowed to continue to withdraw the remaining limit.
Can the company borrow money to buy a house? What should I pay attention to when buying a house in the name of a company?
It has been almost forty years since the reform and opening up, and China's economic policies have been greatly adjusted. Many small and medium-sized companies have sprung up like mushrooms after rain, but they are short of funds. Now we can get a loan to buy a house. Can the company borrow money to buy a house? What are the loan conditions for buying a house? What should I pay attention to when buying a house in the name of a company?
1. Can the company borrow money to buy a house?
1, the key point of this problem is in the name of "company", so can the company borrow money to buy a house? Actually, it is possible. Buyers here can be individuals, companies or other legal entities, as long as conditions are attached. However, no matter what house a company buys, it is a commercial house. The loan amount is generally 50% of the house price, but the interest rate is 10%. However, foreign companies can only buy one house in China.
2. The company's housing loan is similar to that of ordinary buyers, with the following conditions:
(1) Sign the contract and affix the official seal and corporate seal;
(2) When signing the contract, you start to apply for a loan. Because it is in the name of the company, it is more troublesome. You may need to provide running water or other documents to prove the operation of the enterprise. You can apply for this loan from a bank with more mature business.
(3) The loan can be released about 20 days-1 month at the latest after signing the contract.
Second, what should I pay attention to when buying a house in the name of the company?
1. Companies can be divided into companies registered in China and companies registered abroad. The former company has no restrictions on the type and quantity of houses purchased, while the latter company cannot buy houses. If you have an office, you can buy a non-residential house in the name of the office.
2. The company can't buy a house with a commercial loan, and can only apply for a mortgage with the certificate after the real estate license is issued. The service life and interest rate are different from commercial loans.
3. The large tax paid by the company to buy a house is deed tax, 3%, and other handling fees are not high, but it is different from the property tax purchased by individuals, according to the purchase price × 1.2%×0.8× year.
4. If the company's property right house wants to be changed into a personal name, it must be sold and registered from the trading center.
5. The house of company property rights can be transferred by means of equity transfer, without going through the trading center, but this is only the change of equity and actual controller. The most suitable transaction is that there are no other properties and assets under the company name, otherwise it is unrealistic.
Conclusion: All of the above are about "Can a company buy a house with a loan? What should I pay attention to when buying a house in the name of the company? " Through the above detailed introduction, I believe everyone has a certain understanding of these contents. Buying a house with a loan can reduce the economic burden, and it is worth a try by those who have the conditions!
Can the company borrow money to buy a house?
Buying a house with a loan is now a very popular practice. Many people will buy a house in the name of a company, but we don't know much about the problem of buying a house by a company. So can the company borrow money to buy a house? What is the difference between a company buying a house and an individual buying a house? Let's get to know each other!
Can the company borrow money to buy a house?
This problem is actually borrowing money to buy a house in the name of a "company". Buying a house in the name of a company can be a loan, and the buyer can be an individual or a company. However, buying a house by a company is generally considered as a commercial house. The loan amount is generally 50%, and the interest rate is 10%, and only foreign companies are allowed to buy a house in China.
What is the difference between a company buying a house and an individual buying a house?
1. First of all, there are certain differences in the ownership of real estate. When buying a house in the name of a company, the title certificate is the name of the unit, and buying a house by an individual belongs to private property. If you want to transfer the unit property, you must obtain the consent of the shareholders of the board of directors before you can transfer it. Personal property transfer, only husband and wife can sign a sales contract.
2. The deed tax is different. The deed tax of houses with an area of 144m _ or more for individuals needs 3%, the deed tax of 90- 144m _ needs 1%, and the deed tax of companies buying houses needs 3%.
3. If you buy a house in the name of an individual, the property tax already paid will not be deducted when calculating the personal income tax; If a house is purchased in the name of a company, the property tax shall be deducted from the taxable income when calculating the enterprise income tax (Article 8 of the Enterprise Income Tax Law).
Individuals and companies have to pay property tax when buying a house, and the difference will not be great. The biggest difference is that buying a house by an individual will involve business tax and personal income tax, so it is best to buy a house in the name of a company.
Bian Xiao concluded: The above is about whether the company can borrow money to buy a house. I don't know if it will help everyone! Buying a house with a loan can reduce a lot of financial burden. Whether you buy a house in the name of a company or an individual, you must calculate the cost and then consider the follow-up issues.
What should I do to apply for a house loan for the company?
The company's housing loan processing flow is as follows:
1. Prepare the company's business license, bank account number, corporate identity certificate and income certificate, and apply for a loan from the bank.
2. Then the bank will review the application materials. After approval, the applicant needs to bring the company official seal and legal person seal to the loan bank to sign the loan-related contract.
3. Then, the applicant needs to go to the relevant departments for mortgage registration and other procedures.
4. After all the formalities are completed, the lending bank will issue the loan.