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借公司名义买房有哪些弊端_其他_设计456问答
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借公司名义买房有哪些弊端

浏览:47次 | 提问时间: 07-13 09:44
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6个答案
梦里都是你 07-13 09:45

根据我个人的了解情况来看借公司名义买房有利也有弊,比较好的地方就是以公司名义所买的房子是不受限购政策影响的。在申请贷款的时候额度相对来说也是比较高一点。但是以公司名义买房子的话也是又不好的地方,就是需要准备的材料非常多,而且在申请贷款的时候利率会比较高一点,买房之后这个房子是属于公司的财产,并不是属于你个人的。假如说你现在经济情况比较好的话还是以个人的名义买房。

原谅我孤独成性软弱成病 07-13 09:53

借公司名义买房的弊端有以下几个方面,首先,借公司名义买房必须全款一次性付清,不可以使用商业贷款,所需缴纳的契税税率也是比较高的,不管面积大小都是按4%收取的,持有成本也是比较高的,房产税每年都必须缴纳,按买入价格乘以1.2%再乘0.8计算,其次就是以公司名义买的房子需要转让的话,转让的税费也是比较高的,比如土地增值税,按出售时的差额的30%~%60%缴纳,交易手续费,普通住宅是3元每平方米,如果是公司的房子,交易手续费11元每平方米。

我心依旧 07-13 10:01

以公司名义买房其实就是为了避开限购政策,但是这样做的话,成本是很高的,因为你需要缴纳各种税收,直到你以公司名义购买的房屋产权到期才可以停止交税。如果借公司名义买房之后想把房子转到个人名下的话,你需要补缴营业税,土地税,契税等等,所以后续是比较麻烦的。而且以公司名义买房,除非你自己本人拥有一个公司,不然的话你还需要先注册一个公司。再一个,不能贷款,只能全款一次性付清房款。

堵神 07-13 10:10

借公司名义购买房子的话,弊端还是很多的。第一,以公司名义购买房子的话,房子是属于公司共同财产,房子不属于个人私有财产的,第二,如果需要申请房贷的话,只可以申请商业贷款,是不可以申请公积金贷款的,商业贷款的利率要比公积金贷款利率高一点,第三,以公司名义购买的房子,只有公司才有房子的使用权,个人是没有任何使用权的。

墨绿 07-13 10:18

我觉得弊端还是蛮多的。首先申请房贷的通过率会更高一点,房贷可以申请的额度也要比个人申请更高。其次,以公司名义购买的房子属于公司财产,不属于你个人私有财产,房子出售转让都必须获得股东们的同意的,如果申请房子的话,也只能够申请商业贷款,是无法申请公积金贷款的,所以还是以自己个人的名义去申请比较好。

整个宇宙 07-13 10:26

以公司名义买房还是有利弊之处的。以公司名义买房需要缴纳的税费比较高还不能享受一些优惠;购买过程是比较繁琐的要准备很多的资料;在申请贷款的时候利率也是比较高的。总体来讲以公司名义购买房子总成本肯定是要高了很多,唯一的好处应该就是购买的时候没有什么限制的。如果想以公司名义购买房子的话,还是建议你先合算一下费用,看值不值得。具体要缴纳的费用还是去相关部门进行咨询一下,这样也会比较明确的。

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