Chinese style housing starts from the beginning of name, down payment, loan, loan repayment, sale and inheritance. This article tells you that it is not always good to write down the name of a real estate certificate.
first: children may pay more down payment when they buy an independent house.
if the children and parents do not have a real estate, that is, the parent property certificate does not have the name of the child, then the child will buy the first suite after the adult, according to the policy first 30%, and can enjoy the first set of preferential mortgage interest rate.
if children have a total of no more than 2 homes and their parents before the introduction of the policy, they can buy 1 sets of housing independently according to the policy. Some banks stipulate that this suite of loan interest rates can enjoy the first suite discount, but the down payment may pay 70% according to the two suite standard.
second: when a child buys a family's second suite after marriage, he may pay a real estate tax.
,Tommy Hilfiger Clothing, for example, children and their parents have 2 sets of real estate, each with an area of 90 square meters. If the share of the property is not agreed in advance, the default is 1/3 shares per person, that is, the child has 60 square meters of property.
adult children in their own name to buy the first suite of 100 square meters of construction area, according to the policy, the first Suite No matter how large the area,cheap clothing, no property tax.
and after the child's marriage wants to buy the family second suites,Clothing Clearance, assuming the building area is 120 square meters, the child's name of the total building area of 280 square meters, deducted from a family of three 180 square meters of duty-free area, and 100 square meters of property tax need to be levied, of which 60 square meters of parents out of love in the age of love. A child's name is added to the property card.
third: if a child has an accident after marriage, the spouse has the right to inherit the premarital property.
if the child is unfortunate to die after marriage, the spouse, child and parent are the first order heirs,Clarks Shoes Online Outlet, and have the right to inherit all the property of the dead, including the premarital property.
this means that if a child has a real estate with his parents when he is underage, the children's real estate will also be divided and inherited as a legacy. As a parent, white haired people send their black haired people to their hearts. Now they even live in unsafe houses. How can they live in their old age?
Is there a solution to
?
real estate and legal expert recruitment, first, can be notarized, agreed to the children of children and their parents shared property, in their parents' life, the rights and interests belong to the parents. Two is directly to the real estate trading center to make changes in the share of property, reduce the share of the property under the name of the children, at least 1%.
In this way, the tax rate will be extremely limited, even if the property tax is required to be levied even with the parents, even if the property is exceeding the standard in its own name after the child is grown up.
The more money
gets, the more
the loan is.
most people's idea of buying a house is: the fewer the mortgage, the better.