2. Disadvantages: Ownership is not personal, but company's. To transfer the property, you must get the consent of the company, and the procedure is very complicated.
Are you restricted from buying a house by the company?
1. From the perspective of the purchase policy, the people who are restricted to purchase are registered or non-registered households, and the number of purchases is limited. However, if you buy a house in the name of the company, you have not imposed any restrictions on the number of purchases, so in theory, you can completely avoid the purchase restriction.
2. However, the property cost of the company's house purchase is high, and it is necessary to pay various taxes and fees until it no longer holds the house. If you want to transfer the house to a personal name, you need to pay land tax, business tax and enterprise income tax. In addition, bank loans are difficult and profitable.
Buying a house in the name of the company can avoid the purchase restriction order, but the cost is high and uneconomical, unless it is self-occupied. Unless for financing purposes, this method is not reliable for ordinary property buyers.
4. Buying a house in the name of a company, first registering the company, and then buying a business house is actually used for living. This way of buying a house bypasses the purchase restriction policy. As long as the financial resources are not limited, you can buy multiple suites in full. Professionals said: after buying a house in full and getting a real estate license, you can also apply for a mortgage loan to ease the financial pressure.
What should I pay attention to when buying a house in the name of a company?
Whether it is an ordinary house or a non-ordinary house, as long as you buy a house in the name of the company, you should pay the deed tax at 3% of the house price and enjoy a discount of half. Secondly, companies have to pay more property tax and stamp duty when buying a house. Even a company registered in its own name must go through the formalities of resale and transfer after paying the relevant taxes and fees, which requires not only paying another tax, but also meeting the purchase conditions of the tax payment certificate or social security certificate. 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 depreciated every year. In addition, once the company's financial situation has problems, it may mortgage or sell the property to make up for the debt loss.