There are three ways for parents to transfer property to their children. The second is the most economical, but the least commonly used!

Now many parents have prepared houses for their children early, because they are worried that house prices will get higher and higher, and it will be difficult for children to buy houses in the future. Although the child is still young, he can't register for transfer. Or some rich old people, it is normal to have one or two suites or several suites in their hands. So if parents or elderly people with houses want to transfer their houses to future generations, which property transfer method is the most economical and convenient? Let's take a look together. "My house, I want to leave it to my grandson, but if I die, the children's seven aunts and eight aunts all have a share, and they all want a room, that's not good. I'm thinking about making a will. " This is the real idea of an old man. Indeed! There is a big difference between an old man transferring his house to his children (or grandchildren) before his death and after his death. If he makes a mistake, he will be punished! Generally speaking, there are three main forms of real estate transfer: sale, gift and inheritance. Among them, buying and selling gifts all happen before the death of the old man, while inheritance can only be carried out after the death of the old man. Although no matter which one needs to spend a lot of tax, there is still a big difference between the time of transfer and the amount of tax. First, the sale of real estate. It is not only applicable for parents to transfer property to their children, but also for all people, that is, strangers can successfully transfer property by selling it. Expenses that may need to be paid: business tax (the property is exempted for two years, and paid at 5.5% of the total amount for less than two years), personal income tax (exempted for five years, and paid at 1% of the total price of real estate assessment for less than five years), deed tax (3% of the appraised house price), registration fee for property right transfer, registration fee and stamp duty. Second, property inheritance. Generally applicable to people who are related by blood, such as husband and wife, parents and children, or brothers and sisters. If the old man "makes a will", then after the old man dies, he will distribute the property according to the contents of the will; If there is no will, then the first-order heirs (parents, children, spouses) inherit the legacy of the elderly. If there are more legal heirs in intestate inheritance, there may be more disputes. Fees that may need to be paid: only a few fees such as registration fee and stamp duty need to be paid, and general value-added tax, personal income tax and deed tax are free. This is the least (most economical) way to transfer property, and it is also the simplest way, but the requirement is that the elderly can inherit it after death, which is not very common and practical in daily life! Third, the real estate gift. When both parties sign the gift contract, it is best to go to the notary office for notarization, and then both parties go to the real estate bureau to register the change of house ownership. This method is generally a free gift of real estate, and the donee does not need to pay the house price to the original owner, but only needs to pay the relevant taxes. Possible expenses: full deed tax (the tax rate is as high as 3%), notarization fee (2% of the assessed house price, the minimum fee is 200 yuan), registration fee, stamp duty, etc. Generally speaking, among the three ways of property transfer, property inheritance is the most economical, followed by property sale (the property has been over 5 years) and finally property gift.