Company to buy a house can be loaned in the name of the company to buy a house to pay attention to what
Reform and opening up has been almost forty years ago, China's economic policy has been a great adjustment, many small and medium-sized companies such as the emergence of the spring, but they are not enough money, and now we can buy a house of the individual can be loaned, so the The company can buy a house loan? What are the conditions for buying a house loan? To buy a house in the name of the company to pay attention to what?
One, the company to buy a house can be loaned
1, the key point of this issue is to "company" name, then the company to buy a house can be loaned? In fact, it is possible, which the buyer can be an individual, can also be a company or other groups of legal persons, as long as the conditions are attached to it is possible. However, the company to buy a house no matter what house is considered commercial housing, the amount of the loan is generally in the amount of 50% of the price of the house, but the interest rate to be up 10%, but foreign companies in the country can only buy a house.
2, the company to buy a house loan and ordinary home buyers are almost the same, the conditions are as follows:
(1) with the official seal and corporate seal, sign a contract;
(2) sign a contract when the start of the loan, because it is in the name of the company, so relatively speaking, trouble, you may have to provide water or other proof of the state of the business operation of the document, this loan you can Find business more familiar with the bank for;
(3) after signing the contract about 20 days at the latest - 1 month or so can be disbursed.
Two, in the name of the company to buy a house to pay attention to what
1, the company is divided into companies registered in the territory of the company and companies registered outside the country, the former company in the purchase of housing types and sets of unrestricted, the latter company can not buy residential, if there is an office, you can office in the name of the purchase of a set of non-residential.
2, the company to buy can not be commercial loans, only to be issued after the real estate license for licensed mortgage, years, interest rates and commercial loans are not the same.
3, the company to buy a large amount of tax tax is the deed tax, 3%, other fees are not high, but different from the individual purchase is the property tax, according to the purchase price × 1.2% × 0.8 × years.
4, the company's property rights in the house to change to personal name must be through the sale, from the trading center for the registration of property rights changes.
5, the company's property rights in the house can be transferred through the transfer of equity, do not need to go through the trading center, but this is only a change in equity and the actual controller, the most suitable to do this kind of transaction is the name of the company no other real estate and assets, otherwise it is not realistic.
Conclusion: The above is about the "company to buy a house can be loaned in the name of the company to buy a house to pay attention to what" all the content, through the above details, I believe that we have a certain understanding of these contents, the loan to buy a house to reduce the economic burden, it is worthwhile to have the conditions of the people to try!
Company to buy a house can loan
Loan to buy a house is now a very popular practice, many people will be in the name of the company to buy a house, for the company to buy a house for the problem we do not know very well. Then the company to buy a house can loan, the company to buy a house with the individual to buy a house what is the difference? One to understand!
Company to buy a house can loan
The question is actually to "company" name to buy a house, to buy a house in the name of the company can be a loan, the buyer can be either an individual or a company enterprise. However, the company to buy a house is generally regarded as commercial premises, the loan amount is generally 50%, the interest rate to be up 10%, and foreign companies are only allowed to buy a house in the country.
What is the difference between a company buying a house and an individual buying a house
1, first of all, there is a certain difference in the ownership of the property, the house bought in the name of the company, the title certificate is the name of the unit, the individual to buy a house belongs to a privately owned property. Unit of the property to be transferred, it must go through the board of shareholders' consent, can be transferred, personal property transfer as long as the couple in the deed of sale can be signed.
2, the deed tax is not the same, individuals buy a house in the area of 144m_ above the deed tax needs 3%, 90-144m_ deed tax needs 1%, 90m_ below the deed tax-free, while the company to buy a house deed tax are 3%.
3, if you buy a house in the name of an individual, in the calculation of personal income tax, will not deduct the property tax paid; and if you buy a house in the name of a company, then in the calculation of corporate income tax, the property tax will be deducted from the taxable income (Corporate Income Tax Law, Article 8).
4, individuals and companies to buy a house in the operation of the property tax, the difference will not be very big, the biggest difference is that: individuals buy a house will be related to the business tax and personal income tax, so it is best to buy a house in the name of the company.
Summary: The above is about the company to buy a house whether the content of the loan, I do not know whether it is helpful to you! Loan to buy a house can reduce a lot of economic burden, whether it is in the name of the company or in the name of an individual to buy a house, be sure to account for the cost, and then consider the subsequent problems.
Company name property can be mortgaged to buy a house
Legal analysis: Yes, the company's name of the house is the company legally acquired, and the ownership and use of the right to use there is no dispute, the company can be mortgaged in the name of the house. Required materials:
1, the company's business license, state and local tax registration certificate
2, organization code certificate
3, the company's articles of incorporation and capital verification report
4, the central bank of the enterprise's account opening certificate
5, issued by the central bank after the annual review of the loan card (not available at the bank to apply for)
6, the enterprise's last twelve months financial Certificates and bank statements
7, the last two years and the last month's balance sheet, income statement
8, the last two years and the last three months of tax returns and payment slips
9, the mortgage house property rights certificate, the lease contract (if there is a rental)
Legal basis: the People's Republic of China and the National Law Code
300 Article 95 of the debtor or the third party has the right to dispose of the following properties can be mortgaged:
(a) buildings and other land attachments (b) construction land use rights (c) the right to use the sea (d) production equipment, raw materials, semi-finished products, products (e) buildings under construction, ships, aircraft (f) means of transportation (g) laws and administrative regulations do not prohibit the mortgage of other properties. .
The mortgagor may mortgage the properties listed in the preceding paragraph together.
Article 399 The following properties may not be mortgaged:
(1) land ownership (2) the right to use collectively owned land such as homesteads, self-reserved land and self-reserved mountains, except where the law provides that they may be mortgaged (3) educational facilities, medical and health care facilities and other facilities of public interest of non-profit legal persons established for public welfare purposes such as schools, kindergartens and medical institutions (4) facilities where the right of ownership (v) property that has been seized, detained or supervised in accordance with the law (vi) other property that may not be mortgaged under the provisions of laws and administrative regulations.
Company to buy a house can loan
In the name of the "company" to buy a house loan can be, which the buyer can be an individual, can be a company or other groups of legal persons, as long as the conditions are attached to it is possible. However, the company to buy a house no matter what house is considered commercial housing, the loan amount is generally 50% of the price of the house, but the interest rate to be up 10%, but foreign companies in the country can only buy a house. 2, the company to buy a house loan and the ordinary buyers are similar to the conditions are as follows: (1) with the official seal and the corporate seal, sign a contract; (2) sign a contract to begin to deal with the loan, due to the company name, so relatively troublesome, it may be a little. So it is relatively troublesome, may have to provide water or other proof of business operating conditions of the documents, this loan you can find more familiar with the business of the bank for; (3) after signing the contract about 20 days at the latest - 1 month or so can be disbursed.
Can a company buy a house in the name of the loan
No, the purchase of a mortgage loan is a loan for personal housing, not for the company, if you want to buy a house in the name of the company loan, we recommend that you consult directly with the bank.
Monthly payment = (loan principal month) (loan principal - cumulative principal) x monthly interest rate; monthly interest payable = remaining principal x monthly interest rate = (loan principal - cumulative principal) At the beginning, as the principal is very large, the proportion of interest is large. With the increase of repayment time, the proportion of the principal gradually increases, and the proportion of interest is getting smaller and smaller. Equalization of principal:The interest on the loan decreases month by month and the principal decreases until the loan is settled. The amount of change in the money purchaser is different every month, where the amount of principal is equal and decreases with the decrease in the monthly principal and the interest gradually decreases with the increase in the repayment time. Purchase of housing loans Housing Provident Fund loans:For residents who participate in the payment of housing fund, the purchase of housing fund loans should be given priority to low-interest rate housing fund loans.
1. Housing Provident Fund loans have the nature of policy subsidies. Individual housing commercial loans:The above loan options are limited to employees who pay housing provident fund and have many restrictions. Therefore, those who have not paid the housing fund are not eligible to apply for the loan, but they can apply for a personal housing secured loan from a commercial bank, i.e., a bank mortgage loan. Personal Housing Combination Loan:A CPF loan that can be issued by the Housing Provident Fund Management Core. The maximum limit is generally $100,000-290,000. If the purchase price exceeds the limit, one should apply for a housing commercial loan from the bank. These two loans together are known as portfolio loans. The operation can be handled by the real estate credit department of the bank.
2. The repayment method of reinsurance mortgage means that the new lending bank helps the customer to find a guarantee company to repay the original lending bank and then reapply to the new lending bank. If your current bank can't give you a 70% discount on your mortgage rate, you can switch jobs and find the most affordable bank. Monthly Rate Adjustment Monthly rate adjustment repayment is a conduit for interest rates to rise when rates are introduced at a fixed rate, so the rate is slightly higher than the variable rate for the same period. As soon as the central bank raises the interest rate once, its advantage appears immediately. However, in case of a rate cut, buyers opting for the interest rate will lose out. Therefore, in the event of a rate cut, the fixed rate of interest we used to opt for home loans should be quickly converted to a floating rate.