How to save the most money on the transfer of property The difference between inheritance and gift t

The taxes and fees that need to be paid for inheritance are:

1. Inheritance notarization fee;

The inheritance notary fee is charged at 2% of the appraised value of the real estate inherited by the heir, with a minimum of not less than 200 yuan.

2. Real estate value appraisal costs; [2]

According to the Fang (1996) No. 088 document, the appraisal fee is calculated according to the different levels of real estate value, and the progressive method of differential rating law is adopted, and the total amount of real estate (10,000 yuan) is calculated by progressive billing rate

100 or less (including 100) 5

101 or more to 1000 parts.

1001 to 2000 parts.

2001 above to 5000 parts.

5001 to 8000 parts.

8001 to 10000 parts.

10,000 or more parts.

Gifts are subject to Ghanaian taxes and fees;

The main cost of the gift is individual income tax + deed tax + notary fee. If the transfer is made by gift, there is no business tax, but because the gift is considered to be a gratuitous gift, the donee needs to pay individual income tax, as well as deed tax and gift notary fees, which are much higher than the taxes and fees for the sale and transfer. However, for the donated property, the bank will generally determine that the recipient accepts the gift free of charge, and there is no actual transaction, so the donated house cannot apply for a mortgage loan.

Gifts: 3% deed tax for immediate family members (20% individual income tax and 3% deed tax for non-direct family members), 2% of the appraisal price of notary fees, etc.

Inheritance: 2% of the house appraisal fee, stamp duty, etc. Inheritance by legal heirs is exempt from deed tax.

Hope it helps.

Summary. There are two types of gifts: gifts from immediate family members and gifts from non-immediate family members.

In the case of non-immediate family members, the gift taxes are as follows:

1) If the gift value of the house is higher than the local tax approval of the house** of the house where the house is located, it shall be paid:

1 Deed Tax: House Gift Value*3%.

2 VAT: Gift Value of Homes*

3 taxes: 20% of the gift value of the house

4 Land Appreciation Tax: 5% of the gift value of the house

5 Stamp Duty: The value of the gift of the house*1

Transfer: How much tax should be paid for sale, gift, and inheritance.

Hello. The taxes to be paid for the sale and purchase of the house are: 3-5% of the deed tax and 20% of the tax rate on the income from the transfer of property; Individuals who purchase houses less than 2 years old shall pay VAT in full at the rate of 5%, and those who have purchased houses for less than 2 years (including 2 years) shall be exempted from VAT; 6 yuan square meter of house transaction fee and 80 yuan house title registration fee.

Hand Bu. There are two types of gifts: gifts from immediate family members and gifts from non-immediate family members. In the case of non-immediate family members, the gift taxes are as follows:

1) If the value of the house gift is higher than the local tax approval of the house by Sun Heng in the place where the house is charged**, it is necessary to pay: 1 Deed tax: the value of the house gift * 3% 2 VAT:

Gift Value of Houses* Individual Tax: Gift Value of Houses*20%4 Land Appreciation Tax: Gift Value of Houses*5%5 Stamp Duty:

The value of the house gift*1

That is, I am going to buy a house with a quiet smile, and I plan to settle in the name of me and my own sister, if I remove my name in the future and only keep my sister's name, how to go through the procedures, is it necessary to start the wheel with a very high fee.

1. Inheritance notarization fee; The inheritance notary fee is charged at 2% of the appraised value of the real estate inherited by the heir, with a minimum of not less than 200 yuan. 2. Real estate value appraisal costs; According to the Shanghai Price Housing (1996) No. 088 document, the appraisal fee is calculated according to the different levels of real estate value, and the progressive method of differential rating law is adopted, and the total amount of real estate ** (10,000 yuan) progressive billing rate is below 100 (including 100) 5 101 or more to 1000 part 1001 or more to 2000 part 2001 or more to 5000 part 5001 to 8000 part 8001 to 10000 part 10000 or more 3. Real estate inheritance and transfer tax. It is composed of the contract seal and flower tax of the appraisal price of the house, the registration fee of 100 yuan, and the warrant stamp duty of 5 yuan.

1) Inheritance (immediate family) :(not included in the purchase limit) Business tax: The certificate can be exempted after 5 years (if it is not full, you can adjust whether the certificate has passed 5 years in the archives) Less than 5 years:

Valuation Individual income tax: The certificate has been passed for 5 years and the only house can be exempted (if it is not enough, you can adjust whether the certificate has passed for 5 years) Valuation for less than 5 years 1% 2) Bequest (non-immediate family members): included in the purchase limit) Business tax:

Exemption after 5 years of appraisal Appraisal for less than 5 years Individual income tax: Appraisal for 5 years and only house can be exempted Valuation for less than 5 years 1% Note: Ownership of inheritance real estate transfer**If it is written as "inheritance, gift", it is taxed according to the method of gift.

4. Deed tax The legal heirs inherit real estate, which is exempt from deed tax, and the non-statutory heirs who inherit the ownership of land and houses according to the will need to pay deed tax.

Article 6 of the Provisional Regulations of the People's Republic of China on Urban Real Estate Tax Real estate tax shall be levied according to the following standards and tax rates: 1. Real estate tax shall be levied annually according to the standard house price, and the tax rate shall be 1%. 2. Real estate tax is levied on an annual basis according to the standard land price, and the tax rate is 1.5%.

3. Cities where the standard housing price and the standard land price are not easy to divide may be temporarily levied on an annual basis based on the combined standard real estate and land price, and the tax rate is 1.5%. Fourth, cities where the standard real estate price is not easy to obtain may be temporarily levied on an annual basis according to the standard real estate rent, and the tax rate is 15 percent.

Inheritance, sale, and gift are all forms of real estate transfer. The differences are as follows:

1. Difference in definition:

If the decedent does not die, the inheritance relationship will not occur, and only after the death of the decedent will the inheritance right become a vested right. To realize the right of testamentary succession, there must be a legal will made by the deceased and the decedent has died, otherwise the testamentary succession relationship will not occur.

The surviving parents are willing to donate the property to their children, and this behavior is not called inheritance, but gift during death. The inheritance obtained by the heir in accordance with the law must be the lawful property owned by the deceased during his lifetime or other lawful property rights and interests that can be inherited in accordance with the law.

Inheritance of joint family property, joint property of husband and wife and partnership property without division shall not be carried out as inheritance. All illegally acquired property does not belong to the inheritance and may not be inherited.

2. The difference between taxes and fees:

If a person donates immovable property free of charge, he or she needs to pay the full deed tax (the current tax rate is 3%), and the house gift is subject to 20% of the individual income tax in most cases, but the gift to the immediate family, the dependents or supporters, and the heirs of the house inheritance according to law are exempt from individual income tax.

If an individual inherits immovable property through a will or by law, there are two situations in which the deed tax is paid:

For legal heirs (including spouses, children, parents, siblings, grandparents, maternal grandparents) who inherit land and house ownership as stipulated in the Inheritance Law, they do not need to pay deed tax;

For non-statutory heirs who inherit the ownership of land and houses according to their wills, they need to pay deed tax, in addition to the property right registration fee, which is charged on a case-by-case basis.

3. Differences in pros and cons:

1) Gift during his lifetime: The advantage is that the real estate donated during his lifetime can be transferred immediately, and the donee can immediately own the ownership of the house; However, the disadvantage is that gifts need to pay more taxes during their lifetime, and they need to pay full deed tax, stamp duty, and in most cases, 20% of personal income tax must be paid, except for gifts to immediate family members, dependents or supporters, and legal heirs of the house inheritance.

2) Testamentary succession: Testamentary inheritance of property ownership means that the decedent states in the will that the property will be owned by the heir, and the heir obtains the ownership of the house according to the will.

The advantage is that you pay less tax, and you only need to pay the title registration fee, which is charged on a per-piece basis. The disadvantage is that the heir must wait for the death of the deceased before he can handle the transfer of the property and have the ownership of the house; And even if the will made by the decedent has been notarized, after the death of the decedent, the housing registration department still requires the presence of other heirs when handling the transfer of real estate, unless the other heirs cannot provide other notarized wills, the validity of the notarized will will be recognized.

Therefore, the procedure of obtaining ownership of a house by testamentary inheritance is more cumbersome and difficult than that of gifting a property during his lifetime.

The house transfer inheritance method is the most cost-effective, but there are many restrictive conditions.

In terms of fees, there are only two parts of inheritance: one is the notary fee, and the other is the cost of going to the housing authority to handle the transfer registration. The two expenses add up to only a few thousand dollars. "Inheritance" requires the death of the inheritor before the transfer can be made.

The gift method is one more deed tax than the inheritance method.

Deed tax 3% + notary fee + transfer registration fee must be paid. However, it is worth noting that the acquisition of real estate by inheritance and gift is more expensive if you want to trade in the future. Because it is equivalent to the zero cost of getting the property before the party who gets the house, then when the party who gets the house will get the property, the personal income tax involved will be relatively high.

Both gifts and inheritances can be tax-exempt.

If the real estate certificate has been completed for five years, the sale and transfer of ownership is cost-effective. The details are as follows:

The transfer fee is about 6% of the tax return price (i.e. the transfer price of the property as agreed upon) (3% of the notary fee and 3% of the transfer tax). However, after the transfer of the gift, if you want to transfer the property in the future, you will have to pay 20% of the declared value of the individual income tax alone. Therefore, it is not advisable to use gift transfer.

It is recommended to use the sale and transfer of ownership, that is, the direct transfer of the property, the tax is about 8% of the declared value of the property (seller: 1% of personal income tax (exempt for real estate certificate more than 5 years), VAT real estate certificate for more than 2 years), buyer: deed tax, other transfer taxes and fees are about hundreds, and the above tax points are calculated according to ordinary residences of less than 144 square meters).

If the real estate certificate is transferred for five years, there is no need to pay individual income tax, only the deed tax is paid, and other transfer taxes and fees are about hundreds. i.e. about a total of about that.

The tax return price is yours to set. The Housing Authority's computer system has a minimum assessment for each local area. If the declared value is higher than the appraised value, the tax will be calculated according to your value.

If it is lower, it will be calculated according to the appraised value of the system. The most knowledgeable about this appraisal price is the local real estate agent in the same area, because they often go to the transfer and know how much they can pass through the lowest report, so it is recommended that you go to the agent to find out.

The basic procedures for the transfer of ownership of second-hand houses: signing the sales contract, handing over documents, paying taxes, paying taxes and transferring, and obtaining certificates. Sometimes the procedures vary from region to region, for example, it is possible to pay taxes first and then submit the documents.

Signing a sales contract refers to the negotiation and signing of a contract between the buyer and the seller together with the intermediary party (if any) on the real estate, delivery method, payment method, etc.

If the loan requires a certificate of the first house, it must be issued by the relevant department first according to the requirements of the Housing Authority. The seller should bring the original ID card, real estate certificate, and original tax invoices related to the property. The sale and purchase contract can be signed with the Housing Authority version to the Housing Authority.

There are many big cities that have implemented online signing, which is to apply for a pre-acceptance number and fill in the form online, and then submit the documents, so as not to queue up at the housing authority).

Tax payment transfer means: after the buyer and the seller pay their respective taxes, both parties bring their ID cards and all the invoice documents for their respective taxes and fees to the housing authority to inspect and confirm that the tax has been paid, complete the transfer, and receive the transfer receipt.

Obtaining the certificate means: the buyer shall bring the ID card and the transfer receipt to the housing authority to collect the new real estate certificate at the specified time according to the transfer receipt.

The gift costs a lot, and the gift is required to pay the notarization fee of the gift agreement (2% of the minimum amount of the donated real estate). The deed tax is 3%, the handling fee is 200 yuan, and the real estate appraisal fee is about 6/1000. Inheritance is only the inheritance notary fee (2% of the base amount of the real estate), and the deed tax is exempted.

1. The transfer gift is free of charge, so the corresponding fees charged are lower than the transfer costs generated by the transaction. Of course, it is better to choose to give both.

2. Gift tax collection standard: 3% deed tax and stamp duty, but the gift should be notarized.

3. It will be cheaper if you handle inheritance.

4. Since it is a gift, when it is ** in the future, there will be a corresponding 20% increase in taxes! If your house is only used to live in the future, and it will never be **, then the 20% tax that has just been introduced for a long time still has to be paid 1, the fee you said actually mainly refers to the tax paid, and the other handling fees are basically the same, as for the tax or inheritance, it is naturally lower through inheritance. 2. However, it should be noted that even if the house is completely bought by you, in the absence of a clear agreement, whose name is on the real estate certificate of the house is whose house, so the house belongs to your parents.

3. In this way, once the parents die, the house will be divided equally among all the children as the inheritance of the parents, and it will not matter if you say that the house is all your money. 4. Therefore, if you want to enjoy the ownership of the house alone, then it is better to go through the transfer procedures while your parents are alive, so that it is safer.