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.
Can the company borrow money to buy a house?
It is ok to borrow money to buy a house in the name of a company. 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. The conditions are as follows: (1) Sign the contract and affix the official seal and legal person 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.
Can I borrow money to buy a house in the name of the company?
No, mortgage loan for house purchase is a kind of personal housing loan, which is not aimed at companies at present. If you want to borrow money in the name of the company, I suggest you consult the bank directly.
Monthly payment = (loan principal month) (loan principal-accumulated principal) × monthly interest rate; Monthly interest payable = residual principal × monthly interest rate = (loan principal-accumulated principal) At first, due to the large principal, interest accounted for a large proportion. With the increase of repayment time, the proportion of principal gradually increases and the proportion of interest becomes smaller and smaller. Average capital: The loan interest decreases month by month, and the principal decreases until the loan is settled. The change of money buyers is different every month, in which the amount of principal is equal, which decreases with the decrease of monthly principal, and the interest gradually decreases with the increase of repayment time. Housing provident fund loans: for residents who participate in the payment of housing provident fund, low-interest housing provident fund loans should be given priority when purchasing housing provident fund loans.
1. Housing provident fund loans have the nature of policy subsidies. Personal housing commercial loan: the above loan methods are limited to employees who pay housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund are not eligible to apply for loans, but they can apply to commercial banks for personal housing secured loans, that is, bank mortgage loans. Personal housing portfolio loan: a provident fund loan that can be issued by the housing provident fund management center. The maximum amount is generally 100000-290000 yuan. If the purchase price exceeds the limit, it shall apply to the bank for housing commercial loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank.
2. The repayment method of reinsurance mortgage is that the new loan bank helps customers find a guarantee company, repay the funds of the original loan bank, and then apply for a new loan bank. If your current bank can't give you a 30% mortgage interest rate, you can jump ship and find the most affordable bank. Monthly interest rate adjustment The repayment method of monthly interest rate adjustment is the channel for interest rate to rise when the interest rate is introduced into the fixed interest rate, so the interest rate is slightly higher than the floating interest rate in the same period. As long as the central bank raises interest rates once, its advantages will appear immediately. But once the interest rate is cut, the buyers who choose the interest rate will suffer. Therefore, in the case of interest rate cuts, the fixed interest rate of housing loans we chose before should be quickly converted into floating interest rates.