-Adu
Text/Du Biwen (WeChat official account: buying a house knowledge)
With tens of millions of buildings, Ande Guangsha is a great refuge for all the poor in the world. Hello, everyone, this is the science of buying a house. I'm Du Biwen from Andrew Guangrui Real Estate.
Today, I will discuss a problem with you. How to transfer the house to the children is the most cost-effective. Let's explain how to transfer the house to the children through the dialogue between Xiao Yao and Du Ge. If you don't understand or have any other doubts about buying a house, you can leave a message at the back of the article, and our staff will help you answer it at the first time.
free and unfettered
Brother Du, how to transfer the house under the parents' name to the children? Is there any charge?
Adu
Xiaoyao, at this age, I began to think about how to give the house to the children. Haha, it's too early to plan ahead now.
free and unfettered
Gee, I just want to learn more. It is not that learning is a sign of being a man, but for many people, it is a lifelong practice. The rules and skills of learning are a lesson that many people need to make up.
Adu
Yes, yes, yes, it's never too old to learn. Let's talk about transfer first. There are three ways of transfer: inheritance, gift and sale.
free and unfettered
How are the expenses generated by these methods calculated?
Adu
I knew you were smart enough to ask this question. Let's take a house of 85 square meters and 2 million square meters as an example. First of all, talk about business. Suppose the house is "totally independent", the area is less than 90, and the deed tax 1%, then, 20,000; Appraisal fee, 0. 1%* appraisal price, 2000 yuan; Everything else is a small fee. Total sales: 22,000+.
free and unfettered
If an 85-square-meter, 2-million-square-meter house is full and unique, then trading transfer fees is 22,000+.
Adu
Yes, if there are less than five, there will be one more personal income tax, which is very large. Personal income tax = evaluation price-original price-reasonable expenses, which is tens of thousands. Let's talk about the price. The donation needs to be evaluated, and the evaluation fee is 654.38+0 million, 0.5%, 5,000 yuan; More than 1 10000, less than 1 10000, 0.25%, 2500. Notarization fee, less than 200,000 yuan 1.2%, 2,400 yuan; 200,000 yuan but less than 500,000 yuan, 1%, 3,000 yuan; 0.8%12000 from 500,000 to 5 million;
Deed tax, transaction price * 3% = 60000; There are other small expenses. Total gift money: 84900+.
free and unfettered
The gift cost is so high! Notarization fee, appraisal fee and 3% deed tax are required.
Adu
Yes, it depends on inheritance in the end. Of course, the premise of inheritance is that it can only be operated to the next generation after death! Look at the cost again: the fair cost is the same as the gift, totaling:17400; The evaluation fee is the same as the gift, totaling: 7500; The inheritance is tax-free! Everything else is a small fee. So the total inheritance cost: 24900.
free and unfettered
Inheritance is deed tax-free, and requires assessment fees and notarization fees. Then among the three, the cheapest one, if it is the only fifth; If you are under five years old, the only thing is the cheapest inheritance, but only when something sad happens. Thank you, Brother Du. I understand the expense relationship between gift, sale and inheritance. Little friends, do you understand?
Adu
It is our pride to help people who have difficulty in buying a house. If you really want to thank me, why don't you share this official WeChat account of "Buying a House" with your friends? I'm sure they will thank you. You can also watch my live science about buying a house and investing in Aauto faster every night, Aauto QuickerNo. : Du Biwen. Waiting for you!
(The above answers were published on 2018-01-15. Please refer to the actual situation for the current purchase policy. )
Comprehensive and timely real estate information, click to view.