Whether it is an ordinary house or a non-ordinary house, as long as it is purchased in the name of the company, the deed tax should be paid at 3% of the house price, and the preferential tax rate should not be halved.

Secondly, companies have to pay more property tax and stamp duty when buying a house.

Taking a five-year second-hand house with a total house price of 2.5 million yuan for the first time as an example, this paper calculates the total taxes and fees of individual and company houses respectively, and finds that the company has to pay nearly 60,000 yuan more taxes and fees when buying a house.

Individual house purchase: tax = deed tax 37,500 (2.5 million×1.5%)+business tax137,500 (2.5 million× 5.5%)+personal income tax 25,000 (2.5 million×1%) = 200,000 yuan.

Unit house purchase: tax = deed tax 75,000 (2.5 million× 3%)+business tax137,500 (2.5 million× 5.5%)+personal income tax 25,000 (2.5 million×1%)+property tax 2100 (25,500). ) = 259750 yuan The benefits of buying a house in the name of the company mainly include the following aspects:

1. If an individual purchases a property less than five years old and transfers it, he/she needs to pay 5.6% business tax and additional fees. 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 at 2 million tomorrow, you don't have to pay this business tax. You can buy it today and sell it tomorrow. Land value-added tax, enterprise income tax, because he has no profit, no money and no need to pay, which requires some financial knowledge. Therefore, when the company chooses to buy real estate, it should try to choose the transaction price for transfer, 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 again, there will be a high price difference and a high tax.

2. Although some newly established companies can't get bank loans temporarily when they buy real estate, they can find some guarantee companies to pay the full amount for some houses transferred by Hongben, and then mortgage the real estate to the bank to get some commercial loans, which can generally reach 70% of the real estate value. Industrial companies can get loans at 10 and1last year. Across the country, the policy support for SMEs is very strong, not only for SMEs, but also for SMEs. 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 loans are tightened again in the future and banks do not lend, it may be easier to obtain bank loans with corporate real estate as collateral than personal real estate as collateral.

3. If there is only one property under the company's name and no other business is going on, for example, my company bought a house with a price of 6,543.8+0,000 yuan. Ten years later, the house has risen to 6,543.8+0,000 yuan, which is quite different. What should I do if I want to buy this house again? I can transfer the equity of this company, and only need to pay a little equity transfer tax when buying and selling equity, thus avoiding some taxes on the transfer of this high-price difference property, and land value-added tax and enterprise income tax can also be avoided. First, the interest rate of provident fund loans is preferential.

Compared with commercial loans, provident fund loans can save tens of thousands of yuan in interest under the same loan amount and repayment period. Moreover, compared with commercial loans, provident fund loans not only have short repayment time, but also have much less repayment interest.

For example, if a loan of 280,000 yuan is repaid with the same amount of 172 1 yuan/month, the commercial loan will be repaid for 300 months, lasting for 25 years, with a total payment of 5 16300 yuan and interest of 236,300 yuan. When the provident fund loan is repaid to the 25th1month, that is, the 2nd1year, all the principal and interest have been paid, totaling 4,30715 yuan, and the interest paid is only 1507 15 yuan, which is 85,585 yuan less than the commercial loan.

Second, it is more flexible and convenient to repay provident fund loans.

If you use provident fund loans to buy a house, the bank's repayment method will be more convenient and flexible than commercial loans to buy a house. The borrower can determine the monthly repayment amount by himself, provided that the monthly repayment amount should not be lower than the lower repayment amount stipulated by the bank. In this way, the borrower can make a reasonable and feasible repayment plan according to his own economic strength, which is convenient for the borrower to arrange his monthly economic expenditure.

For the prepayment of provident fund mortgage loan, the borrower can repay part or all of the loan principal and interest in advance without paying any liquidated damages.

Third, provident fund loans have fewer restrictions on the purchased houses.

At present, major commercial banks have many restrictions on second-hand housing loans. It is difficult for banks to apply for housing loans for second-hand houses with excessive housing age, poor location and poor mobility.

However, for houses purchased with provident fund loans, banks have relatively few restrictions on the age of second-hand houses. If the second-hand housing age and housing loan life add up to less than 50 years, you can apply for provident fund mortgage loans.