Yes, as long as you are the legal representative of the company, you can apply for a commercial loan from the bank. Conditions for buying a house with a commercial loan: a natural person aged 0-land (Hong Kong, Macao and Taiwan and foreigners are also allowed); Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; The actual age of the borrower plus the loan application period shall not exceed 0 year old; There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank; Self-raised funds of more than 30% of the total price of purchased houses (20% for self-occupied houses with a construction area of less than 90 square meters), and guaranteed to be used to pay the down payment of purchased houses; There is an asset mortgage or pledge recognized by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation ability as the guarantor. Materials to be provided by the borrower: husband and wife ID card, household registration book/temporary residence permit for foreigners, household registration book; Two copies of marriage certificate/divorce certificate or judgment/single certificate; Proof of income (format stipulated by the bank); Copy of the business license of the unit (with official seal); Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Second, 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 I borrow money to buy a car in the name of the company?
With so much spare money, I can buy a car in full. No money, just enough for the down payment. You can make money slowly after car maintenance. A loan, of course. This is a common situation. The following are special cases. Business people can consider buying a car with preferential loans 1. The financial company can invoice you for the repayment amount every month. It is also reasonable to offset thousands or tens of thousands of expenses a month.
It's not stupid for the tax bureau to write a few hundred thousand invoices for a one-time full car purchase to offset the expenses, unless you put the car into the company account, which involves other problems.
And the scheme I'm talking about can buy a car in your own name and help your company offset the expenses.
2, it is good and harmless to leave some cash flow in business, and there is not much explanation. If you don't do business and have spare money to manage money, you still have to buy a car in full. Don't trust those extravagant financial plans, you can't beat him. Car loans are generally at 10%, and you have to manage your finances to get this rate of return. In short, buy a car in full unless you need tax deduction for your own business or you really don't have enough money. In fact, if there are many credit cards, you can also buy them by credit card. It was enough for me to swipe three credit cards at that time. A card cost 50 yuan more, and the subsequent move was to rob Peter to pay Paul, without spending a penny more.
In fact, I also have cash, and I don't want to make him 10% for business turnover.
Fourth, how to buy a house in the name of the company?
Yes, as long as you are the legal representative of the company, you can apply for a commercial loan from the bank. Conditions for buying a house with a commercial loan: a natural person aged 0-land (Hong Kong, Macao and Taiwan and foreigners are also allowed); Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; The actual age of the borrower plus the loan application period shall not exceed 0 year old; There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank; Self-raised funds of more than 30% of the total price of purchased houses (20% for self-occupied houses with a construction area of less than 90 square meters), and guaranteed to be used to pay the down payment of purchased houses; There is an asset mortgage or pledge recognized by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation ability as the guarantor. Materials to be provided by the borrower: husband and wife ID card, household registration book/temporary residence permit for foreigners, household registration book; Two copies of marriage certificate/divorce certificate or judgment/single certificate; Proof of income (format stipulated by the bank); Copy of the business license of the unit (with official seal); Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.