How to add children’s names when buying a house: Analysis of the latest hot topics and operation guide
Recently, the topic of adding children's names to real estate certificates has become a hot topic again. Especially with the adjustment of purchase restriction policies and the heated discussion on inheritance tax in various places, many families are concerned about how to plan for the future through signature on real estate. This article will combine the hot spots on the entire network in the past 10 days to sort out key information and operation steps for you.
1. Data related to recent hot topics
| Hot search keywords | Search volume increase | Related policies |
|---|---|---|
| Real estate certificate plus children’s names | +320% | Purchase restrictions lifted in many places |
| Transfer of property for minors | +180% | Inheritance tax draft discussion |
| Joint signature for loan repayment | +150% | Judicial Interpretation of Marriage Law |
2. Three main ways to add a name
| way | Applicable situations | Cost ratio |
|---|---|---|
| Transfer of ownership | Children have grown up | House price 3%-5% |
| Gift transfer | minor children | House price 1.5%-3% |
| inheritance transfer | after parents die | 0.05% stamp duty |
3. The latest tax standards in 2024 (taking a property worth 1 million as an example)
| Fee type | Buying and selling methods | Donation method |
|---|---|---|
| Deed tax | 15,000-30,000 | 30,000 |
| personal income tax | 10,000 (only exempt if you reach five or more) | 0 |
| Notary fees | 0 | 2000 yuan |
4. Special precautions when adding a minor’s name
1.Notarization of guardianship required: A notarized certificate from the guardian is required to prove that the addition of the name is in the interests of the minor.
2.loan restrictions: Most banks do not accept minors as co-borrowers and the loan must be settled in advance.
3.Disposal restrictions: The sale of real estate after adding a name requires the consent of the minor’s guardian and the issuance of a guarantee of use.
5. Practical suggestions
1.Premarital estate planning: The latest judicial interpretation of the Marriage Law emphasizes that adding names to real estate before marriage is regarded as a gift, and it is recommended to sign a written agreement
2.Special treatment for school district rooms: Some cities require that school district housing must be signed by both parents and children. You need to confirm the policy in advance.
3.Estate tax outlook: Experts suggest that if you consider the possible imposition of inheritance tax in the future, you can appropriately allocate assets in advance.
6. Risk warning
1.Impact of purchase restriction policy: Some cities regard adding a name as a transaction, which may occupy the qualifications for home purchase.
2.Property division risk: In divorce proceedings, the property in the added name may be recognized as joint property of the husband and wife.
3.tax audit: Gifts that are significantly lower than the market price may be assessed as tax levy by the tax authorities
Recent hot cases show that a family in Hangzhou had their name added invalid due to lack of notarization, and a couple in Chengdu had a dispute because they did not agree on a share. It is recommended to consult a professional lawyer before handling and formulate a plan based on the latest policies. During the specific operation, you can first go to the real estate registration center to obtain a list of materials, which usually includes: ID card, household register, marriage certificate, real estate certificate, evaluation report, etc. The processing cycle is about 15-30 working days.
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