What is the most cost effective way for parents to give their children a house?

Gift transfer is exempt from individual income tax and value-added tax, but not deed tax. The deed tax is payable at a rate of 3%. That is, for a house with an appraisal price of 1 million, you need to pay at least 30,000 yuan in taxes.

In addition, some cities also need to donate notarial deeds, and notarial deeds require fees, because there are differences in fees, so I will not talk about the cost of notarial gifts in detail here.

I believe many people will wonder who will transfer the property of parents to their children? There will be deed tax, individual income tax and value-added tax for the sale and transfer, but as long as certain conditions are met, individual income tax and value-added tax can be exempted. If the transferred property is more than two years old, it is exempt from VAT.

If the transferred property is more than five years old and is the only property of the parents, it is exempt from individual income tax and VAT. Most of the parents' real estate transfer to their children is to meet the requirements of two years or "five only", that is to say, only need to pay deed tax and individual income tax or only need to pay deed tax. The sale and transfer of ownership enjoys preferential deed tax, with a tax rate of 1%-3% and an individual income tax of 1%.

In most cases, the deed tax and individual income tax add up to less than 3%. Therefore, the transfer of ownership is not more than the money spent on gifting.

As the name suggests, the transfer of inheritance can only be handled after the death of the parents, and it cannot be handled during the lifetime. There is no need to pay transfer taxes for inheritance transfer, which is the most cost-effective transfer method.

It is worth noting that if you want to give them the property obtained by gift and inheritance in the future, there will be a 20% difference in individual income tax. For example, the appraised value of the property is 1 million when it is given or inherited, and the value is 1.8 million when it is ** in a few years, the difference is 800,000, and the 20% individual income tax is 160,000. I believe that most people can't accept high taxes and feesTherefore, the parents' real estate to their children, the more cost-effective way to transfer is actually to buy and sell, the tax is not much, and there is no need to worry about the difference in personal income tax in the future.

There are three ways to transfer real estate to children: the first is to transfer the property by way of transfer, that is, to handle the transfer in accordance with the transaction procedures by way of sale. The second is to handle the transfer by way of gift, first handle the notarization of the gift, then handle the housing appraisal and housing appraisal, and finally handle the transfer.

The third way is to handle the transfer by inheritance, but this situation needs to occur in the case of the death of one of the parents, which is not very common.

1) Transfer of ownership of the house to children by way of transfer: The main costs of handling the transfer of the house are business tax, individual income tax and deed tax. Among them, the business tax is exempted for five years, and the individual income tax is also exempted, and only the deed tax and property transfer registration fee need to be paid, and if the property is less than five years, the business tax and individual income tax need to be paid, and the deed tax and property right transfer registration fee are paid at the same time.

2) Transfer the house to the children by gift: To handle the gift transfer, you need to pay individual income tax, deed tax and notary fees. There is no business tax on the transfer of gifts, because gifts are considered to be free gifts, so the donee is required to pay personal income tax, and at the same time, the gift transfer also needs to pay notary fees.

3) Transfer the house to the children by inheritance.

Compared with sales and gifts, inheritance and transfer are tax, because there is no business tax, individual income tax and deed tax on inherited property, and only notary fees need to be paid. The heir can handle the notarization of inheritance rights with the will, and go to the housing management department to handle the transfer and change of name with the notarial certificate of inheritance.

Further information: How to transfer ownership of a house to save money for children?

1) Inheritance transfer is the most cost-effective: among the three transfer methods of sale, gift and inheritance, inheritance is the most economical and fast way, because China has not yet levied inheritance tax, and only need to pay notary fees for inheritance and transfer, and other taxes and fees are exempt. Since inheritance can only be achieved in the event of the death of one of the parents, many parents do not consider this route for the time being.

Of course, there are also parents who think far ahead and plan to write a will to leave the property to their children.

2) The transfer of real estate within five years is more economical: according to the national policy, parents donating real estate to their children are exempt from business tax and personal income tax, and only pay the notary fee and deed tax accounting for 2% of the total price of the house. However, although there is no notary fee for the sale and transfer, the following taxes must be paid in addition to the deed tax:

1. Business tax shall be levied when the house is purchased for less than five years and the house with an area of more than 140 square meters is sold and transferred.

2. If the house has been purchased for less than five years or the house has been purchased for more than 5 years but is not a family house, individual income tax shall be levied when the house is transferred.

3) More than five years of real estate purchase and transfer is more cost-effective: According to the national policy, if the real estate has been purchased for more than five years, it is exempt from business tax and personal income tax, and only needs to pay deed tax, which is less than the gift transfer to pay a fair fee.

The parents' house is transferred to the children, the inheritance is the most cost-effective, the real estate certificate is more than 2 years old, and the gift is cost-effective. If the property ownership certificate is 5 years old and it is the only property, the purchase and sale is the most cost-effective.

The transfer of ownership between immediate family members is, of course, the most cost-effective inheritance, as it is exempt from deed tax, VAT and personal income tax. If the house is an ordinary house of less than 90 square meters when the parents are alive, and the children do not have a house in their name, then the purchase and sale method is the most cost-effective, because only 1 point of deed tax needs to be paid. If it is a non-ordinary residence less than five years old, it must pay individual income tax and value-added tax.

How to give the most cost-effective house for children? Parents want to give the house to their children, and the most cost-effective way is to support me and serve me, and this house is for whom, which is the most cost-effective for parents.

How to give a parents' house to their children? You can give it to your children, so you can spend less money.

Personally, I think that if this house is going to be bought and sold in the future, it is better to give it to your children in the form of a sale, and it will be compared.

The most cost-effective way for parents to give their children a house should be considered a gift, and I think a gift should be the most cost-effective.

Parents give the house to their children to inherit the way is the most cost-effective, inheritance transfer is the most cost-effective: in the sale, gift, inheritance of the three transfer methods, inheritance is the most economical and fast way, within five years of the gift of real estate transfer is more money-saving: according to the national policy, parents to donate real estate to their children is exempt from business tax.

What is the most cost-effective way for parents to give their children a house?

The way for parents to inherit the house to their children is the most cost-effective, and the inheritance transfer is the most cost-effective: among the three transfer methods of sale, gift, and inheritance, inheritance is the most economical and fast way, and the transfer of real estate within five pants is more cost-effective: according to the national policy, parents donating real estate to their children are exempt from business tax.

Further information: More money is saved for the sale and transfer of real estate for more than five years: According to the national policy, if the real estate has been purchased for more than five years, it is exempt from camp or unemployment tax and personal income tax, and only needs to pay the deed tax, which is less than the gift transfer fee of a notarization.

Inheritance is the least expensive, followed by buying and selling, and gifting is the most expensive. Gifts and purchases are optional, inheritance is uncontrollable and not optional, and inheritance is only said when people die.

Dear, isn't it the most cost-effective way to buy and sell?

The <> of the pro is not

I've been in this house for more than five years.

It is a demolition house. My mom was going to change my name.

Then this situation inheritance is the most popular.

Okay, there is no problem to go through the transfer procedures.

What if I sell it later?

This in itself does not affect the value.

But in this case, you can also choose to buy and sell with fewer transfer procedures, but you need to buy and sell the agreement, if you need it, I can write a copy for you.

If parents want to transfer the house to their children, which way is cost-effective? A lot of people don't really know too much. Today I will give you a more accurate answer.

Generally, when encountering this kind of thing, there are generally three ways we can choose, the first is gifting, the second inheritance and trading. So which one do you think will be more cost-effective and cost-effective when the time comes? It is estimated that many people will be surprised to see the correct answer.

The answer is buying and selling.

First, in the form of gift, you need to pay about 3% of the deed tax, in addition to not being able to enjoy any other preferential policies, some places also need a notarial certificate of gift, the most expensive charge is about the house price, assuming that your house is 3 million directly small 40,000 yuan will have to be swept away, and the gift of real estate is not very easy to sell after the extinction, unless the house is five years old, and it is your only housing. Otherwise, if the price of the house rises and you want to sell, you need to pay 20% of the difference as personal income tax, then if it is inheritance, the house obtained through inheritance does not need to pay personal income tax, deed tax and value-added tax, and generally only needs to pay the stamp duty, notary fee and appraisal fee. But there is another thing you need to know, that is, if you inherit it, it must be an inheritance, and only after the death of a person can you transfer the property rights.

Moreover, there will be a lot of complex processes and legal issues involved, so the risk is actually relatively high. If you choose the last one, that is, sell to your children, if the house has been five years old and it is the only house of your parents, then in this case you can be exempted from personal income tax and value-added tax, and you only need to pay deed tax, stamp duty and property transfer registration fees. And if the child does not have a house in his name, the deed tax seems to be the highest.

If the three methods are compared, there is no doubt that the plan for parents to transfer the house to their children should be the best, free and cost-effective, but it should also be noted that this situation is limited by the area of the house, the number of years of residence, the first set, the second set, multiple sets and many other factors. Therefore, different families need to make specific decisions according to their actual situation.

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