It appears Japanese players are in agreement.

[EdwinLi]

So... Free Company has no benefits, since HQ rates are at-or-near 100% anyway, and Personal Housing gives actual benefits, like increased Determination?

The FC Benefits is towards DoH so it depends on your value for certain things but new players will certainly benefit from these bonuses from FC Housing.

Legacy player won't have any use for these since most have maxed everything and can access all DoH cross skills for a better chance at HQ items even for 2 star crafts but new players will have use for these benefits since they don't have all the benefits of every single crafting class yet.

There is also Exp bonus for people to level their crafting faster (since HQ turn in for leves have been reduced).

Personal Housing bonuses is more towards personal stuff like DoW and DoM classes for PvE and maybe DoL stuff.

These benefits are all determined by what Towers and Parks you will put into the Personal House or FC House.