My parents want to change the property deed to my name for a house of 85 square meters. How can I save the most money?
There are three main methods for handling house property rights transfer:
1. Handling house property rights transfer according to house property rights donation:
1. Required materials:
Parents bring the "ID Card", "Household Registration Book", "Marriage Certificate", "House Ownership Certificate" and "Proof of Father-son Relationship" and their children bring the "ID Card", "Household Registration Book" and "Marriage Certificate" to the local notary office to apply for " "House Property Rights Donation Contract" is notarized, and then take the above procedures to the local property rights registration department to handle the house property rights transfer procedures, and transfer the property rights of the house to the name of the child.
2. Fees required for transfer:
(1) Notary fee: 2% of the house price,
(2) Appraisal fee: 0.5% of the house price Pay.
(3) Deed tax: 3% of the house price is paid
(4) Land value-added tax: 1% of the house price is paid.
(5) Income tax: 1% of the house price is paid
(6) House property rights registration fee: 100.00 yuan.
2. Transfer of ownership according to house sale:
1. Required materials:
Parents bring "ID Card", "Household Register", "Marriage Certificate" "House Ownership Certificate" and the children should bring the "ID Card", "Household Registration Book" and "Marriage Certificate" to the local house property rights registration department to handle the house property rights transaction transfer procedures, and transfer the property rights of the house to the name of the children.
2. Fees required for transfer:
(1) Deed tax: 1% for first-time buyers of less than 90 square meters: 1.5% of the house price for 90-140 square meters: 140 House prices above square meters are subject to 3% of the house price
(2) Business tax: Houses with property rights that have been acquired for five years are exempted, and houses with less than five years are subject to 5.5% of the house price.
(3) Land value-added tax: The land value-added tax is exempted for five years after the property rights have been obtained, and 1% of the house price is paid for less than five years.
(4) Income tax: If the property ownership of the house has been obtained for five years, it will be exempted. If it is less than five years old, the income tax will be 1% of the house price or 20% of the difference between the original value of the house and the current value of the house. (The original value of the house is generally calculated based on the deed tax paid on the road)
(5) House transaction fee: 6 yuan/square meter based on the building area
(6) House property rights Registration fee: 100.00 yuan.
(7) House appraisal fee: 0.5% of the appraisal amount
3. Transfer of inherited property:
1. Required materials:
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(1) To apply for the transfer of real estate certificate, you must go to the police station where the deceased’s household registration is located to cancel your household registration and apply for a death certificate:
(2) To apply for the transfer of real estate certificate, you must go to the district or city notary office (Formerly, commercial houses sold for export should go to the municipal notary office) to apply for notarization of inheritance rights. There are two types of property inheritance: one is testamentary inheritance and the other is legal inheritance. The materials that need to be submitted are:
1. Death certificate of the deceased:
2. The property ownership certificate or other certificates of the house are required to process the transfer of the real estate certificate:
< p>3. Household register or other documents that can prove the kinship relationship between the decedent and the legal heir:4. The heir’s identity document is required for the transfer of real estate certificate:
Yes Additional information required for notarization of the inheritance rights of a will: the will made by the deceased (the will must be a notarized will, other forms of wills will not be accepted because their authenticity cannot be determined).
(3) For house transfer registration, the applicant is the heir or legatee.
The applicant shall submit the following documents to the registration agency: "Application for Real Estate Registration" (original), proof of identity (copy), real estate title certificate (original), notarized document of inheritance rights or notarized will and acceptance. Notarial certificate of bequest (original)\Deed tax payment certificate (original).
(4) Bequests are different from statutory inheritance and testamentary inheritance, and taxes need to be paid.
2. Fees required for transfer:
(1) Notary fee: 2% of the house price,
(2) Appraisal fee: 0.5% of the house price Pay
(3) Stamp duty: pay 0.05% of the house’s assessed value
(4) Land value-added tax: pay 1% of the house price
(5) House property registration fee: 100.00 yuan
Note: Which method of transfer is the most economical depends on the condition of the house. For houses purchased more than five years ago, business tax is exempted when resold. If the house is The only real estate in the family is not only exempt from business tax, but also exempt from personal income tax. If the house is less than five years old, it is more economical to choose to transfer it as a gift. Parents can consult the real estate management department when handling the transfer and choose a method that suits them to transfer the house to their children.
"Answer from user Sima Zhujian" I hope it can help you. Thank you for adopting.
Additional explanation: The most cost-effective transfer between relatives is inheritance. If it is a transfer between parents and children, the cost of inheritance is the lowest. You only need to pay the registration fee and notary fee of 280 yuan (40 to 45 yuan per square meter), and there is no business tax, personal tax and deed tax. However, the conditions are relatively simple. This can only be done for properties belonging to immediate family members with inheritance relationships.