Buying a house with a loan is now a very popular practice. Many people will buy a house in the name of a company, but we don't know much about the problem of buying a house by a company. So can the company borrow money to buy a house? What is the difference between a company buying a house and an individual buying a house? Let's get to know each other!

Can the company borrow money to buy a house?

This problem is actually borrowing money to buy a house in the name of a "company". Buying a house in the name of a company can be a loan, and the buyer can be an individual or a company. However, buying a house by a company is generally considered as a commercial house. The loan amount is generally 50%, and the interest rate is 10%, and only foreign companies are allowed to buy a house in China.

What is the difference between a company buying a house and an individual buying a house?

1. First of all, there are certain differences in the ownership of real estate. When buying a house in the name of a company, the title certificate is the name of the unit, and buying a house by an individual belongs to private property. If you want to transfer the unit property, you must obtain the consent of the shareholders of the board of directors before you can transfer it. Personal property transfer, only husband and wife can sign a sales contract.

2. The deed tax is different. Is the personal purchase area 144m? The above deed tax needs 3%, 90- 144m? Deed tax needs 1%, 90m? The following taxes are exempted, and the company's house deed tax is 3%.

3. If you buy a house in the name of an individual, the property tax already paid will not be deducted when calculating the personal income tax; If a house is purchased in the name of a company, the property tax shall be deducted from the taxable income when calculating the enterprise income tax (Article 8 of the Enterprise Income Tax Law).

Individuals and companies have to pay property tax when buying a house, and the difference will not be great. The biggest difference is that buying a house by an individual will involve business tax and personal income tax, so it is best to buy a house in the name of a company.

Bian Xiao concluded: The above is about whether the company can borrow money to buy a house. I don't know if it will help everyone! Buying a house with a loan can reduce a lot of financial burden. Whether you buy a house in the name of a company or an individual, you must calculate the cost and then consider the follow-up issues.

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