However, Shanghai real estate agency said that similar behaviors can be realized through buying and selling transactions, and the required taxes and fees are lower than those paid by gifts.
Housing reform housing generally refers to the built public housing purchased by urban workers at cost price or standard price according to the relevant policies and regulations of the state and local people's governments at or above the county level on the reform of urban housing system. The reporter learned that at present, in Shanghai, housing reform houses are generally purchased according to the preferential length of service of employees.
Wang Wei, director of Hanyu real estate transaction mortgage department, told reporters that the relevant departments stipulate that real estate gifts are only allowed between immediate family members. For this gift, the donee must pay the deed tax of 3% of the total housing market price and the notary fee of 2% of the total housing market price, and the total tax to be paid is about 5% of the total housing market price.
"In practice, we generally recommend that families who need to transfer property rights complete the transfer of property rights through a business transaction, that is, parents sell this renovated house to their children, which can save a lot of tax costs." Wang Wei told reporters that after the introduction of the new Shanghai real estate policy, most of these houses can be classified as ordinary houses, and most of them have lived for more than five years. If it is the first house for children, and the house area is less than 90 square meters, only the buyer needs to pay the deed tax of 1% of the total house price for one transaction, and all taxes and fees of other buyers and sellers can be exempted. Even if the two conditions of "first purchase" and "90 square meters" are not met, as long as the house belongs to ordinary housing and has lived for 2 years, the buyer only needs to pay the deed tax of 65438+ 0.5% of the total house price; If the house is not the only house of the seller's family, the seller only needs to pay personal income tax of 65438+ 0% of the total price. In this way, if the transfer of property rights is completed in the form of commercial transactions, the family only needs to pay the deed tax of 1%-2.5% of the total house price.
"The taxes and fees paid for buying and selling transactions are much less than those paid for gifts, and this is a completely reasonable and legal tax avoidance method." Wang Wei said.
The reporter learned through the "12366" Shanghai Finance and Taxation Hotline that whether it is a reformed house or a commercial house, the property right of the house under the parents' name can be transferred to their children by buying and selling transactions or gifts, depending on the specific situation of the house.