When it comes to buying a house, you can help with ideas

Do you pay a CPF loan to your employer every month? You can apply for a provident fund loan after paying for more than six months, and there is the house you buy! If he is not a regular property owner, he will not be able to apply for a provident fund loan, so he should be cautious when buying a house, and the provident fund is much cheaper than a commercial loan.

Housing provident fund is a kind of welfare loan for buying a house in the country, if you pay the provident fund for six months, you buy the first house in your life, you can ask the unit to take out the provident fund loan you paid before, because your unit is only for the national provident fund management center to collect money, then buy a house he will send it to you, and you can apply for a provident fund loan, the provident fund loan is now the bank interest rate, the commercial loan is, so and the interest on the loan can pay a lot less, so it is best to have a provident fund. It's a bit of a hassle though.

The housing provident fund is given to you by your unit, do you pay the provident fund money to the unit every month? If you pay the unit and wait for you to buy your first house, it will give you a lot of money to pay the provident fund, and you can also go to the bank to apply for a provident fund loan, which is much more affordable than a commercial loan and can save a lot of money. However, it is very troublesome to apply for a provident fund loan, you first have to go to the unit provident fund management office to ask for a form to fill in, then go to your township or town or sub-district office to fill it out, and then go to the district to fill in the form, and then go to the relevant national provident fund management center to fill in.

OK. The down payment is three trips, and the monthly payment depends on the time of your mortgage.

Buying a suite in your capacity is not a problem. We all know that money will depreciate when it is deposited in the bank. Pay a down payment loan to buy a house first, and the rest of the money has to be renovated in case there is an emergency, etc. Because you plan to repay it in 5 years, you can borrow for 20 years, so it is more cost-effective to repay the interest less.

You need to think about what exactly you need to settle here, or is it just too hot and you need air conditioning or you are too poor to work out.

Need to learn to choose between air conditioning and house or exercise I believe this multiple-choice question will not be too difficult.

What is the purpose of making money, what is the use of not improving his life, you can buy a small one, or do other plans, you still have children, you must not think about him, go to school or something.

If you don't feel well, change it. With your income, no problem.

A: If you don't have an owner-occupied house, if the economic conditions are okay (you have some savings and a stable income), it is recommended to buy a house. Reason:

1. The currency will always depreciate in the hand; 2. Already have children, give the family a good living environment; 3. Housing prices in Maoming should be relatively stable (it is difficult to rise and fall); 4. It is recommended to take out a loan, if you are not old, it is recommended to take out a loan for 10 years, the general interest rate is 5-6%, and the interest is not high, and the remaining money can be managed (basically not lower than the interest) 5. If you can borrow money without borrowing money, you will not be able to repay it if you are not favorable; 6. In the future, if you change houses or go to other places, the house in your hand can be changed.

Go to the North Pole, then you can build a house as you like.

On the 12th, a new marriage law has just been introduced.

Even if one of the parents contributes to the purchase of immovable property for the child after marriage, and the property right is registered in the name of the child, it shall be recognized as the personal property of one of the spouses.

Here's what it says:

Article 7: If the immovable property purchased by one of the parents for the children after marriage is registered in the name of the investor's children, it may be regarded as a gift to only one of the children in accordance with the provisions of Article 18, Paragraph 3 of the Marriage Law, and the immovable property shall be recognized as the personal property of one of the husband and wife.

Since it is stipulated in this way after marriage, let alone the nature of gifts before marriage. In fact, you can go to the premarital property notarization to divide the personal property of both parties clearly.

For the second suite, the payment varies from place to place. On our side, we charge a 10% real estate transaction tax. So the cost is too much. When you receive an inheritance, you will definitely have to pay various fees.

It is better to do a prenuptial notarization of property.

As for your later question, it is recommended that you buy it in your name. Because whether it is an inheritance, a gift or a transfer, you must pay the corresponding taxes. Only by adding your name at the time of subscription does not need to pay more taxes, which is now equivalent to a transfer of property rights, so taxes will be incurred.

If it's a transfer of how many shares to you, how much tax you'll have to pay. If it is a gift, the tax must also be paid, and the fair fee is overpaid, which is calculated as the value of the donated property * 2% tax included; Deed; Transaction price*3%.

Stamp duty on transactions; Transaction price* Stamp duty on real estate certificate: 5 yuan (one per person) Property registration fee: 550 sets, 1 more buyer + 10 yuan Transaction management fee:

3 yuan The cost of inheritance is similar to that of gift, you can refer to the following.

First, the latest judicial interpretation of marriage for houses purchased by parents is that whether it is before or after marriage, it is a unilateral personal property.

Second, the deed tax of the second house is higher than that of the first house, no matter how large the house you buy, it will be paid at 3%, and if you take out a loan, the interest rate will rise by more than 10%. If your parents inherit after 100 years, you need to notarize the inheritance, the fee is 2% of the value of the house, and the transfer is tax-free, but if you inherit and transfer again, you need to pay 20% of the value of the personal property transfer income tax.

To sum up, you can consider the first case to buy a house, which eliminates the concerns of divorce and property rights, and also eliminates the inheritance notarization that parents still need to handle in the next hundred years.

1. It is personal property before marriage, and marriage and divorce have nothing to do with the other party;

2. Buy it in the name of your parents, and after the death of your parents, you can handle it in accordance with the legal inheritance (provided that there are no other heirs, such as the parents of your parents). This process requires the notarization of inheritance, the payment of the appraisal fee and notary fee of the house (the standard in Shanghai is 2% of the appraised value of the house). After the completion of the application, go to the housing management department (Shanghai is the real estate trading center of each district and county) to go through the transfer procedures with the notarial certificate.

Since it is a legal inheritance, there is no need to pay other taxes and fees, and there is only a very small amount of handling fees.

First, the pre-marital property is owned by you personally. Second, if you take out a loan for a second home, the interest will be much higher, and it should not be supported for a second home loan now, depending on regional differences. Third, there should be a tax on automatic inheritance of property, and someone will explain the specific name to you when you inherit it.

Fees are charged as % of the room rate.

The first question, the new law has just come out, you can go and see, that is, the house belongs to you.

The second question mainly depends on whether there is a purchase restriction in your city, and it is also related to whether your parents take out a loan to buy a house. 2. The situation of 2 houses is more common in most cities, and there is no need to pay additional fees, of course, you need to pay normal fees such as deed tax when you buy a house.

Finally, I suggest that you take the first way, which has just come out with clear legal provisions, which is also more appropriate, thank you.

Who buys it to whom specifically you have to ask the local legal department and **department.

The property before the marriage is, and it is still your property after the divorce, if your parents sell the second house, you will have to pay more taxes, and if your parents are gone, you will have to pay inheritance tax.

In the first case, the court will decide that the house is the joint property of your husband and wife after you get divorced!

On August 12, according to the Supreme People's Court, Sun Jungong, spokesman of the Supreme People's Court, said today that the new marriage law clarifies for the first time that the immovable property purchased by one party with a prenuptial loan in a divorce case should be owned by the property rights registration party, but fair and reasonable compensation should be given to the spouse who participates in the repayment of the loan.

The Supreme People's Court's Interpretation (III) on Several Issues Concerning the Application of the Marriage Law of the People's Republic of China was adopted by the 1525th meeting of the Adjudication Committee of the Supreme People's Court on July 4, 2011, and will come into force on August 13, 2011. The Supreme People's Court held a press conference today on its application.

Sun Jungong pointed out that the new marriage law clarifies for the first time that the immovable property purchased by one party with a prenuptial loan in a divorce case should be owned by the party with property rights registration. In divorce cases, the division of the mortgaged house is one of the key issues. If the criterion for dividing the mortgaged house as a pre-marital personal property or marital joint property after the marriage is merely based on the time when the title deed was obtained is merely the criterion, it may be unfair to one party.

Sun Jungong said that according to Article 10 of the Interpretation (III) of the Marriage Law, one party had paid all the purchase price to the real estate company through a bank loan before marriage, and the contractual obligation to buy and sell the house had been fulfilled, that is, all the creditor's rights confirmed by the purchase contract to the buyer had been obtained before the marriage, and the real right to obtain the property after marriage was only a natural transformation of property rights, so it was relatively fair to identify the mortgaged house as the personal property of one party when dividing the property in divorce. For the increase in the value of the mortgaged house after marriage, the actual situation of one spouse's participation in the repayment of the loan should be considered, and fair and reasonable compensation should be made for it. On the basis of recognizing that the mortgaged house is owned by one party, the unpaid debts should also continue to be borne by it, which is not only easy to operate, but also conforms to the principle of privity of contract.

If one party signs a mortgage contract with the bank before marriage, and the bank agrees to the loan on the basis of reviewing its credit standing and repayment ability, it is a contract counterparty in the legal sense, so it should continue to bear the repayment obligation after the divorce. For the party who participates in the repayment of the loan after marriage, the party registered in the property right shall compensate the other party for the payment of the joint repayment of the loan after marriage and the corresponding part of the appreciation of the property, in accordance with the principle of taking care of the rights and interests of the children and the wife as stipulated in the first paragraph of Article 39 of the Marriage Law.

Full text of the judicial interpretation.

On August 12, the Supreme People's Court issued a judicial interpretation of the Marriage Law. The Interpretation stipulates that if the immovable property purchased by one of the parents for the child after marriage is registered in the name of the investor's child, it shall be regarded as a gift to only one of the children; If the immovable property purchased by both parents is registered in the name of one of the children, the immovable property may be deemed to be jointly owned by both parties in accordance with the share of their respective parents' contributions.

The new Marriage Law interprets the abolition of the compensation clause for extramarital cohabitation agreements.

On August 12, the Supreme People's Court issued a judicial interpretation of the Marriage Law, which removed the clause in the draft for comments, which stipulates that "compensation for extramarital cohabitation is required".

On August 12, the Supreme People's Court issued a judicial interpretation of the Marriage Law, which stipulates that if a husband claims damages on the grounds that his wife's unauthorized termination of pregnancy violates his reproductive rights, the people's court will not support it.

Pre-marital property is personal. Inheritance needs to pay deed tax, the area is less than 90 deed tax one point, 90-144 two points, more than 144 is the full amount of four points of deed tax. Complete.

The first point is that buying a house before marriage and divorcing after marriage are personal property. The law provides for it.

The first point is that there will definitely be a lot of fees for 2 suites, depending on where you are. Loans will be affected. After 100 years of parents, they have to go through some procedures at the housing authority.

to be transferred to your name. The exact amount of the fee depends on the local situation. Just came out today.

SPC: Pre-marital loans to buy houses belong to individuals. You can care.

1. The house you bought before marriage belongs to pre-marital property, and if you feel that it is not insured, you can notarize your pre-marital property with your future lover.

2. You can buy a house in your parents' name, provided that it complies with the local home purchase policy. For example, Beijing requires a local household to buy two apartments in a family unit. Buy a house, pay the house payment, and pay the deed tax.

If the house capital is less than five years, you have to pay 1% more business tax and individual income tax, I don't know how old your parents are, whether they take out a loan to buy a house, see your local bank loan policy).

The fees for inheriting real estate are as follows: commercial housing, 2% of the amount of the house acquired by the notary office as the notary fee, 2% of the cash income as the notary fee (take Beijing as an example, see your local notary office for the specific amount), and then transfer the property to the local housing transaction center to your name after you get the notarial certificate. The fees of the notary office may be different in different places, including whether the deed tax is still required to be paid after the notary fee is paid, etc., subject to your policy.

First question; is private property. The second question; The second purchase of a house is subject to a deed tax of 4 points, and the second-hand house is not the only house to pay individual income tax and business tax. Inheritance is subject to deed tax.

First, it is best to buy a house in your name, and then do a premarital property justice, if the divorce is your premarital property in the future, it will not affect your parents, and there is no transfer, inheritance and a series of problems.

Today, there is a judicial interpretation of the Supreme Court that parents buy a house for their children before marriage, and the property belongs to the children after the divorce. That is, the house that your parents bought you before you got married, and after you divorced, the property is yours.

That way, you don't have to think about the second option.

I hope you will adopt.

First of all, the first situation you mentioned can be solved, because the property before the marriage is unilateral property, and the head of the real estate certificate is only yourself, and the date of the real estate certificate must be before your marriage date, and secondly, you can notarize the property before the marriage, sign by both parties, and sign by the department or notary public with legal effect.

In the second case, I personally think that it is not recommended for you to use, the state is now controlling the situation of individual second homes, if you already have a house under your name, then when buying a second house, the corresponding handling fees, loan interest and other handling fees will increase, and it is more cumbersome, it is recommended that you use the first method.