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 I borrow money from the fund-raising house? What materials are needed?
The unit fund-raising house can be mortgaged. Fund-raising housing refers to changing the system that housing construction is all-inclusive by the state and units, and implementing a way for the government, units and individuals to raise funds for housing construction. Individual workers can contribute in full or in part according to the house price, and the government and relevant departments will give some relief in land use, credit, building materials supply, taxes and fees. . The fund-raising house can be mortgaged, but it needs the consent of the unit. The fund-raising house can be mortgaged, but it needs the consent of the unit. The materials generally needed are: the application form and contract (company seal) for employees to raise funds to build houses; The approval of the unit to raise funds for building houses (issued by the Housing Reform Office) and the roster of employees who participate in raising funds for building houses after the audit; The "Agreement on Raising Funds to Build a House" signed by individuals and units; Copy of the planning permit for the unit to raise funds to build a house; A copy of the construction permit for the unit to raise funds to build a house; Receipt and personal identity certificate of individual's payment of fund-raising housing funds.
Employees who purchase fund-raising houses can apply for housing provident fund loans while paying the down payment with housing provident fund.
1, preparation materials:
(1) The original and two copies of the Notice of Room Number Allocation and Payment.
(2) Original and photocopy of the questionnaire on entrusted loan of housing provident fund before loan 1 copy (the blank form is attached, and can also be downloaded from the homepage of Oilfield Lan Provident Fund).
③ Marriage certificate (or proof of marital status) and two copies.
④ The original and two copies of the ID cards of the borrower and spouse.
(5) The original and two copies of the joint card of the borrower and spouse's provident fund;
The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!
Can I get a loan to buy a house in an administrative institution?
Employees of public institutions can apply for housing provident fund loans as long as they have paid the housing provident fund for more than half a year.
To apply for housing provident fund loans, you must meet the following conditions:
1. The borrower has purchased, built, renovated or overhauled the owner-occupied house within the administrative area of this Municipality, and the procedures are complete and legal;
2. The borrower has full capacity for civil conduct and has a permanent residence or valid residence certificate in this city;
3. The borrower has stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;
4. When applying for a loan, the borrower has continuously paid the housing accumulation fund 12 months in full in the management center, and continues to pay it normally;
5. If you buy a house, you must pay a down payment of 30% of the purchase price; New construction, renovation and overhaul of owner-occupied housing need to have completed more than 30% of the construction investment;
6. The borrower agrees to use the purchased built houses and other houses with the same value as loan collateral, or provide other legal and effective guarantee methods that meet the requirements of these detailed rules;
7. The borrower has no debts that affect the repayment ability of the loan.