Detailed process of adding name to real estate certificate summary of precautions for adding name to real estate certificate
4hw.com.cn: many people who buy a house and want to get married will encounter adding each other's names to the real estate certificate to show their loyalty to each other's feelings. How can they add or delete names on the real estate certificate? What is the process of adding a name to the real estate certificate? Let's have a look!
Let's start by adding a name to the property certificate
Adding a name to the real estate certificate is legally 'increasing the co owner of the house'. To increase the 'co ownership of houses', according to the current law, there are three ways: gift of house property rights, house purchase and sale, and property analysis registration.
We usually involve more, and we are more concerned about the first point. Generally, parents add the name of their children to the real estate certificate, or husband and wife add the name of the other party. Let's take a look at the detailed description!
1、 No loan real estate certificate plus the names of wife, children and parents
1. Bring three certificates (marriage certificate, ID card, real estate certificate) and their copies.
2. To the housing trading center, the window staff will review the submitted materials.
3. The fee for adding a name to the real estate certificate: 110 yuan, 80 yuan, 25 yuan, and 5 yuan. If it goes well, you can get the real estate certificate in about 20 days.
2、 With loan property certificate and name
1. Go to the bank to go through the mortgage formalities first.
2. Expenses required for handling: in addition to the 110 yuan handling fee mentioned above. If the loan is a provident fund, you need to add another 100 yuan; If it is a portfolio loan (provident fund loan + commercial loan), an additional fee of 200 yuan is required.
3. Other steps are the same as the previous process without loan.
3、 The situation of adding a name to a real estate certificate without direct blood relationship will be much more complicated, because it will be regarded as a house purchase and sale, and the following fees need to be paid.
1. 3 yuan per square meter transaction fee.
2. For less than 5 years, 5.6% business tax plus 1% personal income tax (the time period is from the date of issuance of the certificate to the trading day), and it is not required for more than 5 years.
3. 5 / 10000 stamp duty.
4. This contract is about 5 yuan per copy (different from each district Trading Center).
5. The man transfers 50%, and all taxes are calculated according to the market price. If a house of 1 million is taxed, the value is 500000.
6. If several persons transfer the certificate, the rights and interests of the certificate shall be divided equally.
Let's talk about the name reduction of the real estate certificate
What is the name, process and cost of the real estate certificate? The lawyer said that the name of the real estate certificate should also be divided into different situations: if the name is added or removed between husband and wife, no deed tax will be charged. Adding or removing names between parents and children is regarded as business and deed tax is charged. Removing the name is similar to share transfer. The process is similar to normal housing transactions. Only the deed tax of the share needs to be paid, ranging from 1% to 3%.
There are four situations:
1. The first purchase of ordinary houses less than 90 square meters: 1%.
2. The first purchase of ordinary houses over 90 square meters: 1.5%.
3. Non first time purchase of ordinary residence: 3%.
4. Purchase of non ordinary houses: 3%.
There are differences in local real estate policies. This paper provides corresponding guidelines for the addition and subtraction of real estate names. The specific taxes and fees shall be subject to the actual handling.