A company can buy a car in the name of a loan, but it needs to provide its business license, tax registration certificate and legal person ID card, and submit a loan application for approval by the bank.
However, the loan to buy a car in the name of the company can only be included in the after-tax expenses and cannot be deducted, but it can reduce the company's capital outflow.
Therefore, after borrowing money to buy a car in the name of the company, the company's financial treatment should be proper, and tax evasion is never allowed.
The specific process of buying a car in the name of the company is as follows:
1. customer application: the customer applies to the bank, fills in the application form in writing and submits relevant materials at the same time;
2. Signing a contract: After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate;
3. Loan issuance: After all formalities are completed, the bank will directly transfer the loan to the car dealer's account according to the transfer method agreed in the contract;
4. Repayment on schedule: The borrower shall repay the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;
5. Settle the loan.
legal ground
company law
Article 3 A company is an enterprise legal person, which has independent legal person property and enjoys legal person property rights. The company is liable for its debts with all its property. Shareholders of a limited liability company shall be liable to the company to the extent of their subscribed capital contribution; Shareholders of a joint stock limited company shall be liable to the company to the extent of the shares subscribed by them.
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.
Type of automobile loan
Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.
The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.
In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.