Advantages of company purchase: it can be used as the company's assets to extract depreciation, thus reducing the company's corporate income tax.
Disadvantages of the company's purchase: as the company's assets, it is necessary to pay property tax and land use tax. When the company goes bankrupt or has an economy in the future, the house is part of the debt-paying assets, and when it is transferred back to the personal name in the future, personal income tax will be levied according to dividends.
Benefits of personal purchase: depreciation cannot be used as the company's assets, and the company does not need to pay property tax and land use tax, but it can be provided to the company in the form of lease, and the lease fee can be used as the company's expenses. If the company goes bankrupt or sometimes happens, if it is not an enterprise with unlimited personal liability, such as individual industrial and commercial households, it will not involve this house.
2. What are the advantages and disadvantages of the property under the company name?
The advantage of hanging the property in the company's name is that you don't have to pay all kinds of fees yourself. The disadvantage is that the property will never be your own and you have no right to dispose of it.
3. What is the impact on my spouse buying a house in my name?
Search: What is the impact on my spouse when my colleague buys a house in my name?
4. What is the impact of having a company loan to buy a house?
There is a company loan in the name. At this time, if you buy a house with a loan, you may not be able to pass the mortgage review because of the high debt ratio. Corporate loans are characterized by high loan amount. If there is a large amount of personal credit, banks will worry that users will not be able to repay the principal and interest if they lend money to them again. Therefore, there is a company loan under the name, and users who want to borrow money to buy a house usually need to prepare sufficient financial proof materials. Buying a house by loan means that an applicant applies for a loan from a bank to pay the house price for the purpose of buying a house, and then repays the loan to the bank in installments according to a certain number of years, and the bank charges interest at the same time. For example, housing mortgage loan is a personal housing loan business in which buyers use the purchased housing as collateral and the real estate enterprises that purchase the housing provide regular guarantee. What conditions can I borrow to buy a house? Commercial loans are slightly different due to different policies in different regions. The general requirements are:1a natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed); Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; The actual age of the borrower and the loan application period should not exceed 70 years old; There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank; Self-raised funds account for more than 30% of the total price of purchased houses (20% for self-occupied houses with a construction area of 90 square meters or less), and are guaranteed to be used for the down payment of purchased houses; There is an asset mortgage or pledge recognized by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation ability as the guarantor. What problems should I pay attention to when buying a house with a loan? Clear the repayment method in advance. At present, there are two main repayment methods, one is equal principal repayment and the other is equal repayment. These two repayment methods have their own advantages. For the equal repayment method, the borrower can master the monthly repayment amount and plan the household income and expenditure. For the repayment method in average capital, it is suitable for people who have very strong repayment ability and want to reduce interest through quick repayment. You can choose the appropriate repayment method based on your own situation. According to the latest mortgage regulations, the first suite usually needs to prepare 30% down payment, and the second suite needs to prepare at least 40%. In addition, considering the interest rate, people who borrow money to buy a house should prepare more funds, and it is best to ensure that their monthly income is more than twice the monthly payment, which will help improve the mortgage pass rate. If the borrower takes the balance of the provident fund before the loan, it will make the balance of the provident fund in his provident fund account become zero, and then the amount of the provident fund loan will become zero. In other words, you can't successfully apply for provident fund loans at this time.