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If you don't have a property in your name after transferring the house to your parents, you can enjoy various preferential policies for the first property if you buy a house in the future.
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Generally speaking, if you subscribe to a house and a loan, your first set is bought according to the loan, even if you transfer the house, it will be counted as the second set; Only recognize the house or your first home is paid in full, and then buy it will be recognized as the first set. Check with your local housing authority and commercial banking credit institutions.
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Yes. If you put the house completely. Transfer of ownership to parents.
Then this house is the parents' own. If you buy a house again. Yes, at all.
You're also the first home. Enjoy all the preferential conditions of the hairdressing room. There is nothing wrong with that.
Comply with the provisions of the law also. So be bold and go for it.
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As long as there is no real estate in the name, it is considered the first set to buy again.
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After you transfer the house to your parents, if you don't have a house in your name. If you buy a house, it's your first home. Hope it helps.
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After transferring the house to your parents, it means that you no longer have real estate registration in your personal name (except for multiple properties), and then buying a house is considered the first house.
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Not a first property.
Because you have already purchased a property, even if you transfer the ownership to your parents, then if you buy a house again, it will be considered a second house.
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If you are the only one who has transferred the house to your parents, and you are an adult, you can buy a house again. This is calculated on a family-by-family basis, including minors.
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No, because you've already bought a house, so buying another one doesn't count as the first one.
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Transferring the house to the parents and buying it after it is not considered the first property.
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No matter how many houses you buy, as long as you don't have a house registration in your name, buying a house in the future is the first house.
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Make sure that your current house is not bought with a loan, if it is bought with a loan, it will not be considered the first one, because you have already left a loan record in the bank credit system.
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It depends on whether the house is paid in full or on a loan.
Criteria for the recognition of the second suite:
1. I have bought a house in full and bought a house with a loan - the first set;
2. If you have bought more than two houses with a loan, and then sold them all, you can't find the property through the housing registration system, but you can find the loan record in the bank credit system, and then take out a loan to buy a house - the first set;
3. If you have bought a house with a loan, the commercial loan has been settled, and then you can take out a loan to buy a house - the first set. If the loan is not settled, it will be counted as two sets.
Second home loan fees.
1. Down payment.
According to the bank's regulations, if the borrower applies for a second home loan, he or she needs to pay a down payment of not less than 60% of the purchased house**, and some regions require a down payment ratio of not less than 70% for the second home loan.
2. Interest. The interest on a second home loan is calculated based on the borrower's loan amount, loan term, loan interest rate, and repayment method. Among them, the level of loan interest rate directly affects the amount of mortgage interest expense.
3. Mortgage registration fee.
Customers who apply for a second home loan must agree to mortgage the house purchased under their name, and the borrower needs to pay a certain amount of mortgage registration fee when going through the mortgage registration procedures.
4. Notary fee.
When applying for a second home loan, you also need to pay a notary fee. When applying for a bank housing loan, the bank will entrust the notary department to certify the borrower's qualifications, and the borrower needs to pay the notary fee.
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It depends on whether the house is paid in full or on a loan. If it is a loan, it is recorded in the bank. Banks in many areas only recognize the loan but not the house, even if you transfer the ownership, it is a second house. But if it is the full payment, the transfer is the first house.
Provisions for the transfer of ownership of the house:
The buyer and seller of real estate that has been put into use shall sign a real estate sales contract, and the text of the contract may use the model text formulated by the Housing and Land Management Bureau, or the self-made contract.
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Legal Analysis: No, the parents transferred the house to their children by way of sale or gift and went through the registration of real estate property rights, and the latter house is the first house of the children, and they need to pay the corresponding taxes and fees in accordance with the regulations of the tax bureau when handling the registration of the transfer of immovable property. The child takes ownership of the house after paying the appropriate taxes and obtaining the real estate registration certificate.
Legal basis: Article 209 of the Civil Code of the People's Republic of China stipulates that: The establishment, alteration, transfer and extinction of real estate rights shall take effect after being registered in accordance with law; Without registration, it shall not take effect, unless otherwise provided by law.
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Legal analysis: It depends on whether you bought the house in full when you bought it, if it was bought with a loan, even if you transfer the house to others, you have no house in your name, you buy it again, or you will be counted as two sets **. The family refers to you, your spouse, and your minor children, and the three parties cannot have a housing record registration under their names, and the three parties cannot have a loan to buy a house and record it in the bank.
Legal basis: Law of the People's Republic of China on the Administration of Urban Real Estate
Article 59: The State implements a system of registration and issuance of certificates for land use rights and housing ownership.
60th land use rights obtained by way of transfer or allocation, shall apply to the local people's land management department at or above the county level for registration, verified by the local people's land management department at or above the county level, issued by the people at the same level of land use right certificate. If a house is built on the real estate development land obtained in accordance with the law, it shall apply for registration with the local people's real estate management department at or above the county level with the land use right certificate, and the people's real estate management department at or above the county level shall verify and issue a house ownership certificate.
When real estate is transferred or changed, it shall apply to the local people's ** real estate management department at or above the county level for registration of real estate change, and apply to the people's ** land management department at the same level for registration of change of land use right with the changed house ownership certificate, and the people's ** land management department at the same level shall replace or change the land use right certificate after verification by the people's ** land management department at the same level.
Where the law provides otherwise, it is to be handled in accordance with the provisions of the relevant laws.
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Transferring the house to the parents and then buying a house is not considered the first set, and the house that needs to be seen is full payment or loan. If it is a loan, it is recorded in the bank. Banks in many areas only recognize the loan but not the house, even if you transfer the ownership, it is a second house.
But if it is the full payment and the transfer of ownership, it is considered the first house.
The buyer and seller of the real estate put into use in the provisions on the transfer of ownership of the house shall sign a real estate sales contract.
According to the laws of our country, the criteria for the identification of the second suite:
1. If you have bought a house in full, you must take out a loan to buy the first house.
2. I have bought more than two houses with a loan, and later sold them all, and I can't check the real estate through the housing registration system, but I am in the bank credit system.
I can check the loan record, and then take out a loan to buy a house is the first set.
3. Loan to buy a house, commercial loan.
It has been settled, and the refinancing to buy a house - counts as the first set. If the loan is not settled, it will be counted as two sets.
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After transferring your house to someone else, you also need to go through the procedures for canceling the house, so that buying a house in the future can be regarded as the first property.
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It's the first property, as long as you don't have a house in your name, it won't be yours if you sell it. If you buy it again, you will be the first home.
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The policy stipulates whether there is a property in the name, not whether it used to be owned, so if you buy it after selling it, it is the first home.
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If you buy a house after you transfer the house to your parents, it should be considered your first property, because you don't have a house under your hands.
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Transfer the house in your name to your parents, and then buy the first property.
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As long as you don't have a property in your name, buying another property is also your first property.
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