Yes, you can.
When buying a car, the company can apply for a mortgage loan. However, it should be noted that if automobile mortgage is in the name of the company, then the mortgage loan needs to be in the name of the company as a legal person. This requires providing the personal certificate of the legal person, the company's business certificate and related documents, in addition to these documents, but also provide the company's recent tax records and other related documents.
Second, how to repay the loan when buying a car?
If Nanjing people buy a car loan in Nanjing, it must be the lowest and most cost-effective way to ask me to help you.
Third, how to make accounts for the company's loan to buy a car and the company's private account to repay the loan?
A company loans to buy a car, a legal person, and a car account purchased in the name of a private legal person. If a legal person borrows funds from the company and fails to return them, it shall be regarded as profit distribution and personal income tax shall be levied.
1. Intra-company loan refers to a way for multinational companies to realize internal and external transfer by providing funds to each other according to the differences of foreign exchange control and tax regulations in the countries where their subsidiaries are located, and it is also an important part of the internal fund transfer mechanism of multinational companies.
2. If there are no restrictions on the transfer of funds in the country where the subsidiary is located, the parent company can lend it directly to the subsidiary in the currency of any party or a third party. The interest rate of direct loans within the company is actually the internal transfer price of funds. If there are restrictions on the transfer of funds in the country where the subsidiary is located, the parent company will use circuitous loans to bypass the foreign exchange control in the country and realize the internal transfer of funds.
1. Loan is a kind of credit activity to lend monetary funds under the conditions of bank interest rate and repayment. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. By issuing loan funds, banks can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income from it and increase their own accumulation.
2 "Three Principles" refers to the basic principles of bank loan operation. People's Republic of China (PRC) Commercial Bank adheres to the operating principles of safety, liquidity and efficiency, and implements self-management, self-risk, self-financing and self-discipline. "
3. The loan guarantee is commercial; Liquidity refers to the ability to recover the loan according to the predetermined time limit or realize it quickly without loss to meet the needs of customers to withdraw deposits at any time; Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
Fourth, how to repay the car loan?
Car loan repayment is to deposit money into the repayment account on time. 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. A secured loan is a loan granted on the condition that a third party provides a corresponding guarantee for the borrower. A guarantee can be a person's guarantee or a thing's guarantee. Personal guarantee refers to the guarantee document issued by an economic entity with repayment ability. When the borrower fails to repay the loan principal and interest, the guarantor shall bear the responsibility of repaying the loan principal and interest. The guarantee of things is based on a specific kind or a certain right. Once the borrower fails to perform the contract, the bank can exercise its rights on the collateral to ensure that the creditor's rights will not be lost. The conditions for buying a car by loan are as follows: 1. Car buyers must be at least 18 years old and have full capacity for civil conduct; 2, there must be a stable income, or other assets that can be easily realized. Of course, assets that are easy to realize mainly refer to stocks or some precious metals; 3. During the loan application period, the car buyer shall deposit no less than the down payment stipulated by the bank in the account of the bank savings counter; 4. Provide banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan; 5. Car buyers are willing to accept other conditions deemed necessary by the bank. 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 through 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.