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用公司名义买房可以贷款吗

用公司名义买房可以贷款吗

浏览：32次 | 提问时间： 07-13 09:43

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6个答案

Hckey吻痕 07-13 09:43

用公司名义买房是可以贷款的，不过据我了解到，以公司名义买房还是很不划算的哈，它交的税费就比以自己名义买房的税费要高很多的。以公司的名义买房申请的贷款是商业贷款，并且需要满足一定的条件的呢，需要你是法人代表，并且签合同的时候需要你带公章和法人章，然后你的年龄需要在18-60岁之间等等。以公司名义贷款买房的流程还是相当复杂的哈。

幕后黑手 07-13 09:52

如果公司可以提供贷款需要的资料的话就可以以公司的名义做贷款买房申请房贷款的资料：1.借款人的有效身份证、户口簿;2.婚姻状况证明，未婚的需提供未婚证、已离婚的需出具法院民事调解书或离婚证(注明离异后未再婚);3.已婚需提供配偶的有效身份证、户口簿及结婚证;4.借款人的收入证明(连续半年的工资收入证明或纳税凭证当地);5.房产的产权证;6.担保人(需要提供身份证、户口本、结(未)婚证等)。

别离 07-13 10:00

以公司名义贷款买房是可以的，只要符合条件就行。买房签合同的时候要带公司的公章和法人章。办理贷款时要提供流水等来证明你公司运营的状况。这里要注意的是如果不在国内注册的话，不能购买住宅。还有贷款时不能是商业贷款，等房产证有了后可以办理抵押，但利率和商业贷款差不多。在签订合同20天到一个月左右就可以放款了。如果要变更成个人名下的话，必须要通过变卖，在交易中心进行产权变更登记。具体的你可以到你们当地的房产交易中心详细咨询。

宁做平民妻不做帝王妾 07-13 10:08

用公司的名义买房当然是可以贷款的，个人名义无法贷款买房的时候再去选择进行用公司的名义进行贷款买房。原因有以下几点，首先呢，公司买房会视为是商业用房，所以，很多的是税费和利率都会相对于个人买房会高一些，简而言之来说呢，就是要比个人名义买房，会多花一部分钱。其次呢，在公司贷款买房以后，如果想要转为个人名下的话，必须要通过买卖才可以。最后一点，如果公司是境外公司的话，那就不能购买住宅。所以我还是建议您用个人名义进行贷款买房。

擡掇秘密 07-13 10:17

我觉得用公司名义买房子当然是可以贷款的，但是你得是以公司的名义贷款才行，而且以公司名义贷款的话，买房子要看看这个房子写的是谁的名字，写你自己的名字显然得由你自己承担公司的还款才行。另外还有一种方法也是可以的，假如说这个公司是以你自己的名义注册的，也就是说你自己就是公司的法人代表的话，那么以公司的名义买房子贷款还款，这一系列都没有任何问题。

三尺白绫 07-13 10:25

当然是可以的呀，但是用公司名义买房贷款的程序还是比较复杂的，而且用公司名义买房的话，享受的政策没有个人名义买房的多，像税费这方面，用公司名义买房就需要交纳的多一些，而且像贷款的话，也是只能贷商业贷款的，需要提供的材料也是多一些，我个人是觉得用公司名义买房并不是很划算的事情，如果有条件的话，还是建议你以个人名义买房。

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