Now, with the rapid development of society, house prices rise again and again, and many young people are under increasing pressure. Therefore, the common phenomenon is that parents prepare houses for their children in advance. In other words, is it better for a father to give a house to his children or transfer ownership? What should we pay attention to in housing sales? Let's take a look with Xiaobian.
There are 3% deed tax and 0.1% stamp tax for gift;
There are two points to pay attention to in business
1. First of all, if the immediate family members trade the real estate, they will be suspected of fraud and the bank will not grant the loan;
2. Secondly, there are three kinds of situations when the direct relatives choose to buy and sell: A. there is only one house in the name of the parents' family and the house has been built for five years (exempt from personal income tax); B. there is no house in the name of the children's family (can enjoy the preferential deed tax, 1% / 90 square meters above 1.5%); C. the ordinary house with the house has been built for two years is exempt from value-added tax and tax Additional, the value-added tax and additional of the difference of non ordinary residential. Most of the real estate transactions between immediate family members are ordinary houses.
Suggestions on sale / donation: the term of the property donated by immediate family members shall be calculated according to the time before the donation, and the term of the property right of the property after the sale shall be calculated according to the time of the new house registration; therefore,
1. If you have the idea of changing the house or selling the house within 2-5 years after the transfer, it is recommended that you take the gift;
2. If you are only living for your own sake, it is suggested that you choose the appropriate transaction mode according to the actual total tax amount after accounting in (1) and (2).