I have to say that the speed of social development is getting faster and faster, and many people have also improved their economy, so they want to change their living environment and buy a house. To buy a house, you must have a certain economic ability, and you should also know the detailed information of buying a house when buying a house.

I have to say that the speed of social development is getting faster and faster, and many people have also improved their economy, so they want to change their living environment and buy a house. To buy a house, you must have a certain economic ability, and you should also know the detailed information of buying a house when buying a house. Can the relevant legal person buy a house? For most people, buying a house may be through a loan, so you should know what to pay attention to when buying a house with a loan.

Can a legal person buy a house

Yes, you can.

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 shall be paid at 3% of the house price, and the preferential tax rate shall not be halved.

1. First of all, no matter 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 shall be paid at 3% of the house price, and the tax rate shall not be halved.

Secondly, the company should pay more property tax and stamp duty when buying a house. Even a company registered in my personal name, if it wants to transfer the company's house to a personal name, it must also go through the resale procedures and pay the relevant taxes before going through the transfer procedures. This is not only to pay taxes again, but also to meet the conditions for foreigners to purchase tax payment certificates or social security certificates for five consecutive years.

3. If you buy a house in the name of the company, the property will be regarded as the company's fixed assets and need to be included in the financial statements to calculate depreciation every year. In addition, once the company's financial situation has problems, the property may also be mortgaged or sold to make up for the debt loss.

4. Yes, individuals need the ID card of the purchaser, the household registration book and the marriage certificate of the married person. However, if a company purchases a house in the name of a company, it needs to provide a business license, an organization code certificate, and a commercial housing sales contract, which needs to be signed by the legal representative of the company.

What should I pay attention to when buying a house with a loan?

1. Apply for the loan amount according to your own ability. When applying for personal housing loans, borrowers should make correct judgments on their current economic strength and repayment ability, and at the same time make correct and objective predictions on their future income and expenditure.

2. Choose a good loan bank for mortgage. For borrowers, they can choose their own loan banks to buy existing houses or second-hand houses. The more and more sophisticated services provided by mortgage banks, the more flexible and diverse personal financial services you will get, as well as a rich service and product portfolio. From the perspective of citizens, there is no doubt that the more choices citizens have, the better.

3. Choose the repayment method that suits you best. At present, there are basically two ways to repay personal housing loans: one is equal repayment, and the other is equal principal repayment. The advantage of equal repayment method is that the borrower can accurately grasp the monthly repayment amount and arrange the family's income and expenditure in a planned way. Average capital's repayment method is more suitable for individuals who have strong repayment ability at the initial stage of repayment and want to pay a large amount at the initial stage of repayment to reduce interest expenses.

Can the legal person concerned buy a house? What should I pay attention to when buying a house with a loan? If you buy a house through a loan, you should repay the mortgage on time every month. In addition, applying for a loan should be combined with your repayment ability, and you should be cautious when choosing a bank. The repayment method should also be more suitable for you. Although it is relatively simple to buy a house with a loan, it is also relatively stressful for future life.

Does it matter if a legal person borrows money to buy a house?

It doesn't matter that a legal person can borrow money to buy a house. However, the loan conditions need to be met.

(1) Having legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;

(2) Having a good credit record and willingness to repay;

(three) a stable source of income and the ability to repay the principal and interest of the loan in full and on time;

(4) the contract or letter of intent for the sale (pre-sale) of purchased houses and commercial houses;

(5) Being able to pay the down payment of the purchased house;

(6) Opening a personal settlement account in a bank;

(7) Effective guarantee recognized by the lender;

legal ground

Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Commercial Housing Sales Contract Cases 16. If one party requests a reduction on the grounds that the agreed liquidated damages are too high, it shall appropriately reduce the breach loss by 30%. If the parties demand an increase on the grounds that the agreed liquidated damages are lower than the losses caused, the amount of liquidated damages shall be determined according to the losses caused by the breach of contract.

What do you need for corporate loans?

What are the requirements for corporate loans?

The so-called operating loan is a loan issued by a bank to an enterprise as a legal person for operating the company's working capital. The service targets are mainly small and medium-sized enterprises that temporarily fail to meet the bank loan access standards due to factors such as irregular financial management and substandard credit rating, but are in good operating condition. 1. Enterprise loan conditions (1) The borrower has a fixed residence, permanent residence or valid residence certificate. (2) It has full capacity for civil conduct and is the legal person or the largest shareholder of the enterprise using the loan. (3) Having a valid business license and legal person code certificate, the enterprise has no bad credit record, operates according to law, pays taxes according to law, and has a good performance. (4) Personal property with high economic income and sufficient value has the ability to repay the loan principal and interest on schedule. (5) Having no bad credit and debt records, and being able to provide mortgage, pledge or guarantee recognized by the bank. (6) Other conditions stipulated by the bank. 2. The borrower shall provide commercial loan information (1). Identity card, household registration book and marriage certificate of the borrower and spouse (if single, unmarried certificate shall be issued at the Civil Affairs Bureau). (2) proof of assets (such as real estate, cars, etc.). (3) Proof of repayment ability such as personal or family income and property status. (4) Business license, tax registration certificate, organization code certificate, articles of association, etc. (5) Financial statements and tax returns for the last six months. (6) Other information required by the bank. 3. The maximum loan amount of an enterprise is 70% of the appraised value of loanable assets. 4. The term of enterprise loan stipulated by the bank is 1~3 years. The enterprise loan interest rate is now the bank loan interest rate stipulated by the bank. 6. Repayment method of the enterprise (1) If the loan term is within 1 year (inclusive), the repayment method of paying interest on a monthly or quarterly basis or repaying the principal once due can be adopted. (2) If the loan term exceeds 65,438+0 years, you can choose to repay the principal and interest monthly or according to the average capital. 7. Enterprise loan process (1) The borrower brings relevant information to the bank to apply for a loan. (2) The bank conducts pre-loan investigation and evaluation, investigates the borrower's credit rating and the legality, safety and profitability of the loan, verifies the collateral and guarantor, and forms an evaluation opinion. (3) With the approval of the internal review of the bank, both parties reach an agreement on the terms of the loan contract, mortgage contract and guarantee contract, and the parties sign the contract. (4) The Borrower handles the mortgage registration and other relevant procedures agreed in this Contract. (5) After the mortgage registration is completed, the relevant information will be handed over to the bank for lending.

What application materials should be provided for enterprise loans?

Hello, I need the following information.

I. Basic information of the company

1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.

2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.

3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.

4, nearly six months of tax bills, signed the purchase and sale contract (if any)

5. Proof of assets under the enterprise name

Second, personal data.

1, ID card of borrower and spouse

2. Identity cards of property owners and spouses

3. Household registration books of the borrower and the property owner.

4. Marriage certificate between the borrower and the property owner

5. Proof of personal assets, such as real estate, cars, stocks and bonds.

6. Personal bank flow in the past six months or a year.

Specifically, you can use Baidu Henan Yi Rong loan.

What's the difference between corporate loans and corporate loans?

The differences between corporate loans and corporate loans are as follows

1. Different loan subjects: corporate loans are generally made in the name of individuals, and three forms can be selected: personal consumption loans, personal business loans and corporate business loans. The first two loan forms are legal persons themselves; Enterprise loans are loans issued in the name of enterprises. Although the consent of the company legal person is needed, and sometimes even the legal person is needed as the loan representative, the main body of the loan is always the enterprise.

2. Loans have different uses: corporate loans can be used for personal consumption or business operations, and can also be used for business operations; Enterprise loans are used for enterprise management, including liquidity replenishment, project loans and enterprise expansion and development.

3. The loan amount, term and interest rate are different: this is mainly because enterprise loans can be applied in various forms, so when they are equivalent to enterprise loans, the loan amount, term and interest rate are different.

The above is the difference between corporate loans and corporate loans. If you happen to be an enterprise legal person of a company, you can choose the loan method according to your loan demand. An enterprise as a legal person is more of an identity, which can provide proof of repayment ability for your personal loan, increase your loan amount and lower the interest rate. However, an enterprise loan is a business loan with the enterprise as the main body, and it needs to be approved by a resolution of the company's board of directors.

About the legal representative of the company's loan responsibility 40 points.

The legal representative of the company signs a contract on behalf of the company and promises to perform certain obligations, which should be borne by his company, not by individuals.

Therefore, the loan of the enterprise is repaid by the enterprise. The legal representative of the enterprise is not personally liable for repayment. Of course, the premise is that the enterprise has no illegal acts such as false capital contribution, withdrawing funds and transferring assets. And the legal representative has not made personal guarantee, otherwise the shareholders or legal representative of the enterprise may have to bear corresponding responsibilities.

What responsibility should the legal person bear if the enterprise can't repay the bank loan?

1. First, classify enterprises. It is a limited liability company, a sole proprietorship company, a partnership or others. Because different companies are different. It is far from the point where banks can apply for bankruptcy liquidation of enterprises. Some bear unlimited joint liability, which can be traced directly to the personal property of shareholders, while others bear all risks only with all your shares in the company. 2. See if there is mortgage, pledge, guarantor, etc. The general way is to apply to the bank for auction of collateral (generally real estate, few movable property, and the mortgage patent right seems to be only done by Beijing guarantee company at present), and the excess money goes to the reduction enterprise. Because it is generally carried out according to 50%~70% of the valuation (villas, industries are generally 50%, businesses are 60%, houses are 70%, and shops facing the street seem to be 60%, I don't remember clearly), so the auction money is generally redundant. If the enterprise applies for bankruptcy by itself, your company has the priority to be compensated for the property originally pledged to your company. 3. Do you mean a legal person or a legal representative in a broad sense? Above. There should be many shortcomings.

The company borrowed money in the name of users, and now the legal person wants to resign.

Hello, according to the information you provided, I give the following answer.

1. Please confirm whether the company you mentioned is a limited liability company. If so, please continue reading.

2. Legal person and legal representative are two different concepts. You are only the legal representative of the company, and you just do some actions on behalf of the company. Company law talents are the main body of responsibility. So in the company's liabilities, if there are no other special circumstances, you don't need to be responsible for the company's liabilities.

As you used to be the legal representative of a heavily indebted company, it is inevitable that you will be prevented from lending to the bank in the future unless you pay off your debts.

What does the list of enterprise family property that enterprise loans need to provide include?

Fixed assets should also be looked at, and others, such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc. ), are the property of legal persons.

What materials do enterprises need to prepare for buying a house with a loan?

Materials to be prepared for mortgage to buy a house loan:

1. Original and photocopy of ID cards of the borrower and spouse;

2. The original and photocopy of the borrower's husband and wife residence booklet;

3. Proof of marital status;

4. The original purchase agreement;

5. Original and photocopy of advance payment receipt for 30% or more of the house price;

6. Business license, tax registration certificate, organization code certificate, articles of association and financial statements;

7. Bank flow;

8. Certificate of academic qualifications; 9. Bank deposit certificate;

10, other financial certificates;

1 1, the collection account number of the developer;

12, other materials specified by the bank.

What are the requirements for company loans? How much can I borrow?

Have full capacity for civil conduct and be under 50 years of age. 2. Hold the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce. 3 engaged in legitimate production and business activities, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule. 4. Good credit standing, law-abiding, no bad credit and debt records, and can provide mortgage, pledge or guarantee recognized by Industrial Bank. You may need to provide collateral, a house or a car, and calculate the interest on how much you used from the time you used it! If the loan money is not withdrawn from the bank, then the interest will not be calculated. The maximum amount of new small secured loans granted by financial institutions to individuals will be raised from 20,000 yuan to 50,000 yuan. 1. Housing mortgage loans and employment-oriented loans 1. Borrower's conditions: a natural person with Beijing property rights, stable income and full capacity for civil conduct (the borrower can be a foreign household registration); The borrower 18-65 years old (the mortgagor over 65 years old must entrust others as the borrower to apply for a loan). 2. Provide information: husband and wife ID card, household registration book, marriage certificate and income certificate; Property certificate of mortgaged house (such as the original purchase contract provided by the house property). 3. Scope of mortgaged real estate: Beijing real estate can be handled. 4. Types of mortgaged properties: commercial houses, houses, affordable houses, apartments, villas, shops, office buildings and shops. 5. Specific process: receiving customer information (collecting deposit) → home visit and evaluation → determining the loan amount → reporting to the bank → signing a contract with the bank → approval → mortgage registration → customers collecting money from our company. Loan term: mortgage loan 1-30 years. 7. Completion date of real estate: the real estate can be handled after 78 years. 8. Loan amount: 6,543,800+million. (The loan amount can be recycled) One person can mortgage multiple properties at the same time. Ii. loan of the same name 1. Borrower's conditions: a natural person with Beijing property rights, stable income and full capacity for civil conduct (the borrower can be a foreign household registration); The borrower 18-65 years old (the mortgagor over 65 years old must entrust others as the borrower to apply for a loan). 2. Information provided: ID card of borrower and spouse (including ID card, passport, military officer's card, travel permit to and from Chinese mainland, Taiwanese certificate), marriage certificate of borrower and spouse (marriage certificate for married, divorce certificate or divorce judgment for divorced, death certificate for widowed), temporary residence permit for the borrower who is a foreigner, and balance certificate of the lender with property right mortgage (. Please provide the following materials as far as possible if you can, or if you can't. Credit certification materials of the borrower (including automobile driving license, real estate license, passbook, deposit certificate, equity investment certificate, graduation and degree certificate, professional qualification certificate, professional title certificate, etc.). ); You don't have to provide it, but it is helpful for approval. 3. Scope of mortgaged real estate: Beijing real estate can be handled. 4. Loan amount: 6,543,800+million. (The loan amount can be recycled) One person can mortgage multiple properties at the same time. 5. Specific process: receiving customer information (collecting deposit) → visiting and evaluating at home → setting the loan amount → reporting to the bank → signing a contract at the bank → approving → repayment and mortgage issuance → doing mortgage registration → customers paying fees at our company → lending money. 6. Loan term: the loan term has been borrowed from other banks, and now you are applying for a house with a loan term of ≤30 years. Repayment method: average capital (decreasing), matching principal and interest, paying interest on schedule, and repaying principal when due (only applicable to loans with a loan term of less than one year and a loan amount of less than 500,000 yuan). Second-hand housing mortgage loan and second-hand housing mortgage loan 1. Information required by the borrower (buyer): Second-hand housing sales contract or agreement, borrower's and spouse's ID cards (including ID card, passport, military officer's card, travel permit to and from the mainland, and Taiwan compatriot's card). The borrower's marriage certificate (marriage certificate for married people, divorce certificate or divorce judgment for divorced people, and death certificate for widowed people) is required to provide affordable housing within the validity period. ......

What is the specific process for enterprises to borrow money from banks?

The original business license, the original national tax registration certificate, the original organization code certificate, the articles of association, the latest capital verification report, the account opening permit issued by the People's Bank of China, the credit card issued by the People's Bank of China, the identity certificates of the company's main members and directors holding more than the company's shares, the bank statement for six months, the company's financial certificates for the last six months, such as the VAT tax report, the balance sheet and income statement for the last three years and the last month, all need to be prepared. otherwise

Introduction of Housing Loan of Bank of China Shanghai Company

(1) The enterprise housing loan refers to the commercial loan issued by the lender to qualified enterprises and institutions as legal persons for purchasing all kinds of self-occupied real estate.

(2) Lender refers to China Bank Shanghai Branch.

(3) The borrower refers to the enterprise, institution or legal person and its authorized branch that has the conditions for China Bank to purchase houses as a legal person.

(4) The principle of "partial self-financing, effective guarantee, earmarking and repayment on schedule" shall be applied to the housing loans of commercial companies. Lenders and borrowers should sign relevant legal contracts according to law, and the purchase behavior must be true and effective.

The above contents are for your reference. Please refer to the actual business regulations.