What are the advantages and disadvantages of adding the child's name to the real estate license?

Disadvantages of real estate license plus children's names First, the cost of buying a house independently by children has risen. The house bought by parents has not registered the name of the child, and the child will buy the first house in the future. However, if the child's name is added to the real estate license, it will be the second suite in the future, and a stronger down payment ratio, mortgage interest and deed tax will be paid. It may increase the cost of buying a house for children. Secondly, bonus hunter real estate tax, a key tax supplement to real estate tax, will be fully levied in the future. Referring to Shanghai and Chongqing, where real estate tax has been levied, real estate tax will not be levied across the board, and everyone will be given a certain tax-free area. Real estate tax must be paid if the accumulated area of real estate under the name of children exceeds the tax-free area. Third, the property will be inherited by the spouse, and the children will die unexpectedly after marriage, so the spouse, as the first heir, has the right to inherit all the property of the children's family. Even if the property belongs to the child, the child's spouse has the right to apply for a patent. If the property cannot be given to the child's spouse, it may be necessary to pay a financial compensation. The advantages of adding children's names to the real estate license are as follows: 1. There are three key ways to avoid the tax generated by transfer: gift transfer, sale transfer and inheritance transfer. 3%-4% deed tax should be paid for the transfer of gifts, as well as notarization fees and property rights handling fees; Because the conditions are different, the taxes to be paid are different, at least 65438+ 0% of the house price and the assessment fee must be paid; It is the most cost-effective to transfer the inheritance, and only need to pay notarization fees and evaluation fees, generally ranging from several hundred to several thousand. These three transfer methods will generate valuable tax revenue. If parents directly register the real estate license under their children's accounts, they can save these transfer fees. Second, there will be no division of premarital property in divorce. Pre-marital property purchased by parents for their children before marriage, or some property with children's names, if the children die unexpectedly in the future, their spouses have the right to inherit part of the property. However, at the time of divorce, the property belongs to the children's pre-marital property, and their spouses have no right to divide the house. Third, to avoid the risk of family bankruptcy, the company run by parents applied for bankruptcy reorganization due to insufficient funds, and their parents' property was taken away to pay off debts. However, the property under the children's account is not a malicious transfer of assets, the children's property will not be affected, and the family will not be homeless.