What kind of company has no restrictions on buying a house?
Take Beijing as an example, only local companies can buy houses (including houses) without restrictions; Foreign-funded institutions can only buy non-residential products; Eligible individual industrial and commercial households can only buy 1 house.
What is the difference between buying a house in the name of a company and buying a house in the name of an individual?
The following is a comparison between buying a house by a company and buying a house by an individual:
Let's talk about the tax on the company's purchase of real estate:
1, deed tax, whether you are the oldest house, a very cheap house or a luxury house, will be levied according to the deed tax of 3%. The stamp duty is 0.5 ‰ of the registered price, and the transaction fee is 3 yuan. Except the deed tax is levied at 3%, there is little difference between others and individuals buying real estate.
2. Holding tax. Companies hold real estate in two situations. The first one is to pay 10.22 of the monthly rent of the leased office according to some taxes, rental fees and management fees. Vacant property is currently subject to property tax, and your registration price is 1 10,000× 7 %×1.2% ÷12 months. Generally speaking, the annual property tax is 0.84% of the registered price. At present, vacancy tax seems to be much higher than personal property tax. However, if the government collects property tax on personal property in the future, there is a saying that the company will be exempted from paying property tax on vacant property within three years after purchasing first-hand houses.
3, land value-added tax, the transfer (the sale of real estate under the name of the company) will pay more land value-added tax than the individual holding the real estate. For example, I bought a house for 1 10,000 and sold it for 2 million. He has to make up the difference of 30-60%, and the rest is actually similar to that of an individual.
Some people think that companies will pay too much land value-added tax if they hold real estate. One thing to mention is that in the process of holding real estate, you can depreciate 5% of the registered price every year, that is, you can depreciate 1 10,000 yuan every year. kkzy 17 keeps his decoration invoice for the decoration of real estate, which can be deducted as a deduction in the land value-added tax, but in general, the decoration cost cannot exceed 65,438 of the registered price. The operation of this company may rise to some accounting knowledge, and how to do it requires some professional accountants to assist you in doing the real estate held by this company.
I said so much just now. Maybe everyone thinks that "it is so troublesome for companies to buy real estate, and they have to pay taxes and keep accounts." Why buy it in the name of the company? " But at present, some real estate speculators or some senior investors hold some properties in this way. The main benefits are as follows:
1. If an individual purchases the property for less than 5 years and transfers it, he/she shall pay 5.38 1% business tax and surcharges. However, if there is no price difference in the property held by the company, even if you buy a 2 million house today, if I sell it for 2 million tomorrow, you don't have to pay this business tax. Land value-added tax, enterprise income tax, because he has no profit, no money and no need to pay, which requires some financial knowledge. So when the company chooses to buy real estate, try to choose the transaction price to transfer it, that is, when you buy it, you can tell the other party that I want to transfer the transaction price and I will help you pay more taxes. When the house is transferred, there will be a high price difference and a high tax.
2. Although some newly established companies can't get bank loans for the time being when they buy real estate, they can find some guarantee companies to pay the full amount for some houses transferred by Red Capital, and then mortgage the real estate to the bank to get some operating loans, which can generally reach 70% of the value of the real estate. Industrial companies can get loans at 10 and1last year. In the country, the policy support for small and medium-sized enterprises is very strong, not only small and medium-sized enterprises, but also small and medium-sized enterprises. If it is a corporate loan with good commercial credit, it will be easier to obtain than a personal loan in the next 3-5 years. If the loan is tightened again in the future, the bank will not lend money, and it may be easier to get a bank loan by taking some company property as collateral than taking some personal property as collateral.
So if you are a friend here, you have many properties under your name, or you want to buy but don't want to write someone else's name, you might as well consider the method of buying properties with a company.
But what are the disadvantages of buying a house in the name of the company?
Reason one: buying a house in the name of a company has complicated information.
To buy a house in the name of a company, the purchaser has to prepare a lot more materials than an individual, among which the basic materials include: copy of business license, copy of tax registration certificate, copy of organization code certificate, official seal, legal representative's ID card, agent's ID card and power of attorney.
If you are the legal representative of the company, your behavior can represent the company when signing the house purchase contract. But if you are not a company legal person, you must prepare a full set of company authorization procedures.
Reason 2: buying a house in the name of a company is restricted when it is listed again.
In order to sell the house under the name of the company, two hard conditions must be met: the company has no debt and has paid the tax payable.
Different from ordinary commercial houses, houses under the company's name need to settle property tax and land use tax before being sold, and the company is required to pay these two taxes every year or declare them by itself. In case the confused boss doesn't know the truth, he hasn't paid property tax and land use tax since he bought the house. When he sells it again, he has to pay not only taxes, but also liquidated damages before the house can be listed and traded.
Reason 3: It costs more to buy a house in the name of the company.
Buying a house in the name of a company, on the one hand, requires paying more taxes, on the other hand, can't enjoy deed tax concessions.
There is no room under the name, and buying a house belongs to the first suite. Loan interest rate and deed tax have certain preferential policies, so we must cherish our "first suite" index.
In addition, after the company buys a house, there is still a big expenditure every year, as mentioned above. In addition, some newly established companies may not be able to apply for bank loans.
What qualifications does the company need to buy a house?
Companies are divided into companies registered in China and companies registered abroad. Companies registered in China are not restricted in the type and quantity of houses they buy. Companies registered abroad cannot buy houses in restricted cities. If they have an office in a restricted city, they can buy a non-residential house in the name of an office.
How does a company apply for a loan when buying a house?
Buying a house in the name of a company can avoid the purchase restriction policy, but because most banks' mortgage loan business is only for individual buyers, the company needs to pay the real estate payment in one lump sum, which means that the initial investment cost is very high. Only after obtaining the property right certificate can the mortgage be made.
What information does the company need to buy and sell houses in name?
When the seller (buyer) is a domestic company, 1 1 spare parts are needed. They are:
1, real estate license;
2. Business license of enterprise legal person or certificate of institution legal person after annual inspection;
3. Documents approving the establishment of a legal person or other organization;
4, the legal representative or person in charge of the legal identity documents;
5. Copy of local tax registration certificate or financial license;
6. A copy of the organization code certificate of People's Republic of China (PRC);
7. Power of attorney of legal person;
8. The legal identity certificate of the agent;
9. SASAC approval letter (state-owned property right), collective voting (collective property right) and shareholders' resolution (joint-stock enterprise);
10, mapping table;
1 1, official seal.
When the seller (buyer) is an overseas company, 1 1 spare parts are needed. They are:
1, real estate license;
2. The business license of an overseas institution to set up a branch or representative office in Beijing or the registration certificate issued by the relevant administrative department;
3. The notarized business registration certificate or registration certificate of a legal person or other organization, and the registration place of the company registration document of a foreign legal person or other organization shall be notarized by the Chinese embassy or consulate in that country;
4, the legal representative or person in charge of the legal identity documents;
5. The approval certificate of the foreign-invested enterprise issued by the competent commerce department;
6. Power of attorney of legal person;
7. The legal identity certificate of the agent;
8. The embassies of various countries and the representative offices of international organizations in China submitted a note from the Ministry of Foreign Affairs agreeing to purchase houses;
9, in line with the actual needs of the principle of self-use, autonomy, written commitment (but overseas cancellation, you can go through the formalities of commercial housing transfer registration in accordance with the provisions);
10, mapping table;
1 1, official seal.
Why do you think of buying a house in the name of the company?
"curve buying a house" is suspected of evading purchase restriction
Recently, the phenomenon of companies buying houses has increased. Why? What is the appeal behind it?
The demand for improvement broke out in a short time, and many private enterprise owners did not rule out buying their own houses. It is understood that under the strict purchase restriction policy, some private enterprise bosses with idle funds in their hands are limited by the purchase restriction policy for improvement and other considerations, so they turn to buy houses in the name of the company. In addition, there are a few foreigners who do not have the qualification to buy a house, and also use the company to buy a house in order to achieve the purpose of "curve buying a house".
In addition, with the deepening of regulation, the prices of some high-end residential projects in Shanghai have not increased significantly, which also makes people see the potential value.
But it is not uncommon to buy a house in the name of a company before. Whether in the past or now, it is not uncommon to buy a house in the name of a company. In his view, commercial housing can also be used as an asset to buy a house in the name of the company, which is essentially an integral part of business activities.
Even listed companies buy and sell real estate. Some listed companies even get out of trouble by selling houses, such as ST Mei Xin, *ST Jialing, ST Chengcheng and S*ST Qianfeng. Last year, their business situation was improved by selling real estate, and *ST striker turned a profit at the end of the third quarter of last year.
Or it will lead to strict control.
However, industry experts said that buying a house in the name of the company, to a certain extent, exploited the loopholes in the policy and undermined market fairness. Under the overall regulatory requirements of "housing and not speculating", such situations may be stopped.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, pointed out that strictly speaking, buying a house in the name of a company should attract more attention. He said that the supply of Shanghai property market is tight, and there is a problem of insufficient housing. In addition, some just-needed property buyers also have some pressure in terms of funds, so compared with the full-payment company at this time, there is no chance of winning. Therefore, from this perspective, it seems that the company's compliance in buying a house actually undermines market fairness.
A similar phenomenon also shows that there may be some "tricks" in the sales process of the current luxury home market. Yan Yuejin said that it is not excluded that some buyers will participate in the lottery in the name of the company while shaking the number in their own name, which is one more opportunity than others. From this point of view, in the process of luxury home sales, there are new problems in the definition of sales targets. If this behavior is not stopped in time, similar problems will also lead to an increase in companies buying houses.
Therefore, 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.
By the way, you are a nonlocal registered permanent residence. What should I do if I want to buy a house in Guangzhou?
Settle down before buying a house.
Because the conditions for local people to buy houses in cities with restricted purchases are more relaxed, foreigners do not need to provide tax or social security certificates if they can settle down. But how can foreigners settle down to get the qualification to buy a house?
1, talent introduction and settlement: Many cities have talent policies that can provide settlement services for qualified high-level talents. Take Tianjin's talent settlement policy as an example: undergraduate students are under 40 years old, master students are under 45 years old, and doctors can settle down without age restrictions.
2, the unit collective account can buy a house: in some cities, some enterprises can handle collective accounts for employees, collective accounts and local accounts are basically the same effect.
3. Rely on and settle down: In some cities, buyers can settle down by taking refuge.
However, it is necessary to remind buyers that they do not have to settle down to buy a house. Take Chengdu as an example. In Chengdu, there are some restrictions when buying a house if the new household registration is less than 24 months.
Second, the company name to buy a house
At present, the main body of the urban purchase restriction order is ordinary families, including couples and minor children; Therefore, if the subject of buying a house changes from an individual in the family to a unit or company, the situation will be different, and most of them will not be affected and restricted by the purchase restriction policy. Although the unit company is not restricted in buying a house, it is still affected by the purchase restriction policy if it wants to transfer the property of the unit to an individual name.
Third, the house was given to outsiders.
Some cities stipulate that the gift of real estate is not affected by the purchase restriction policy. Take Wuhan as an example, many people buy houses in Wuhan in the name of relatives and friends, and then give them to transfer ownership after handling the real estate license. Housing gift does not require the donee to have the qualification to buy a house, but the gift needs to bear taxes and fees.
Fourth, buy commercial housing.
In most cities with restricted purchases, commercial housing is not affected by the policy of restricting purchases and loans (except Beijing), and buyers can buy commercial housing. However, it should be noted that commercial housing is an office and a business, and the property rights are mostly forty or fifty years, with high taxes and fees and high living costs. In some first-tier cities, it is necessary to introduce policies to strictly control the conversion of commercial housing into residential use, so the risk of living is greater.
After reading this article edited by Bian Xiao, I will increase my knowledge! "curve buying a house" is suspected of evading the purchase restriction? The article, I hope it will help you. Bian Xiao at the end of the small reminder: curve to buy a house must plan the use and calculate the cost.