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The money saved when the property is transferred is actually a deed tax saving. There are now 3 ways to transfer real estate, among which the ordinary sale and transfer is the most "money-saving", because the deed tax is now temporarily halved and collected, and it is generally paid according to 1 2 of the total house price; It is relatively troublesome to handle the transfer by way of gift, and the transfer of ownership in this way must first go to the notary department to handle the notarization of the gift, and then evaluate and appraise the house, and then go through the gift transfer procedures, which is the most expensive and troublesome transfer method that takes the transferee's time, the most expensive and the most troublesome; The transfer of real estate between relatives can also change the ownership of the house by inheritance or testamentary inheritance, which is now only required to pay the cost of the housing transfer procedures at the housing authority, and there is no deed tax, which should be the most cost-effective.
According to the Inheritance Law, when a legal heir inherits the ownership of land and a house, the transfer procedure can only be carried out after the death of the property owner, and the same is true for testamentary succession. Because the owner can change the heirs at any time before his death, this method saves money now, but it is the least easy to secure. Nowadays, many families use the form of transfer of real estate, although they have signed a sales contract, the purchase price is nothing, and once the family relationship breaks down, the purchase money becomes the focus.
Therefore, which transfer method is more cost-effective, the key depends on which method is more suitable for you. ”
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If you still want to ** the property in the future, then don't hesitate to go through the normal sale and transfer, because the second sale after your gift, the personal income tax alone is as high as 20%, how to calculate it is also a lot of losses.
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There are some specific contents to be implemented in this question, one is whether your local real estate transaction can be allowed to transfer according to the registration price on the real estate certificate, and the other is whether the house is not mortgaged in the bank, and the property right belongs to your grandfather personally. The cost of the gift is greater, because there must be an additional procedure to go to the notary office to do a gift notarization before the transfer to the Land Bureau, the gift notarization fee is 2% of the real estate registration price, and the transfer fee is still unavoidable. The most important point is that when you want to sell the house in the future, you will have to pay the full income tax, which is 20% of the transfer registration price, and 5% of the full business tax, which is very high, so it is generally not recommended to give a gift.
If you don't have either of these, it's more complicated, and to make it clear to you here, it's almost a training course for real estate agents, hehe.
If it is a gift, then if the transfer is to your name, your relatives have no way to do it, but only to do the notarization of the gift and not to transfer, then your grandfather wants to go back at any time.
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1 Of course, there are more costs incurred in buying and selling.
2 The best way is to have it notarized in the form of an inheritance without hassle.
3 If you have signed a notarized agreement, you cannot go back.
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