Daniel's trick! If you want to write your child's name into the real estate license, just do it!

"Parents love their children, and they will do something far-reaching", especially China's parents. I am always afraid that my child will lose at the starting line. I will plan, plan and pave the way for his future. Preparing real estate for children is one of them. Many parents worry that there is no house in their children's name, their future life is not guaranteed, or their quality of life is not high enough. They always intend to transfer the house to their children, or write their names directly.

As everyone knows, it is very risky to do so!

Obviously, in the future, children will need to pay more for the down payment when they buy a house independently!

Analyze it separately first. If parents don't have their children's names on the real estate license, then when their children want to buy a house independently as adults, according to the current regulations, they only need to prepare 30% of the total house price as a down payment, and they can enjoy the preferential mortgage interest rate of the first suite, such as a 10% discount on the benchmark interest rate.

If there are no more than two sets of properties shared with parents before the introduction of the purchase restriction policy, and the children are underage, according to the policy, the children can buy a house independently after adulthood.

Some banks stipulate that the loan interest rate of this suite can enjoy the first suite discount, but the down payment may be not less than 40% according to the standard of the second suite. Some cities even stipulate 50% or 70%.

When a child buys a second suite after marriage, he has to pay property tax!

Let's give an example. For example, if the child is underage, he and his parents have two houses, each with 90 yuan. If there is no prior agreement on the share of property, the default is that each person accounts for one third, which means that the child already has 60_ of property.

The child is an adult and wants to buy the first suite independently 100_ regardless of the area and property tax.

I want to buy a second suite after marriage 120_ There is 280 in my child's name _ After deducting the tax-free area of small apartment 180_ I have to pay property tax.

In case of an accident after marriage, the spouse has the right to inherit the property before marriage.

If a child dies unexpectedly after marriage, his spouse, children and parents are the first successors and have the right to inherit all the property of the deceased, including the part before marriage.

In other words, children sharing property with their parents during their minor years will also be inherited as inheritance.

So, here's the problem. What should we do?

1, notarized

It can be notarized, and it is agreed that the children will have real estate with their parents when they are underage, and the rights and interests will belong to their parents before their parents die.

2. Share change

You can directly go to the real estate trading center to change the share, so as to reduce the share of the real estate under the children's name, and the low share can be changed to 1%. In this way, if the property tax needs to be calculated, the tax amount is limited.