Some people, when they were young, already had several properties in their hands. We call this category of people: rich! two! generation! For this kind of classmate, Xiaofang just wants to tell him, please! with! I! do! with! table!
Because Xiaofang classmates can tell you about underage buying and selling of houses. The second chapter of the course "How to Make the Rich Second Generation": Is it cost-effective for the little ghost to be "home"? There are many differences between underage children buying second-hand houses and adults buying second-hand houses, and there are pros and cons. Today, I will take stock of the issue of "Home Alone" for everyone.
Movie "Home Alone 2" stills
1. Pay less transfer tax?
In second-hand housing transactions, the taxes and fees paid for buying a house in the name of a minor child are the same as those for buying a house in the name of the parents. However, second-hand houses purchased in the name of underage children can avoid the taxes and fees that need to be paid for transferring the property to the children in the future.
When parents buy second-hand houses, they need to pay 3% deed tax and other fees when they are transferred to their children through gift; when they are transferred to children through sale, they need to pay at least 1% deed tax. And if the parents directly put the property rights of the house in the name of the child when buying a house, there is no problem of transferring the house, and these taxes and fees can be saved.
2. Can children directly sign or transfer ownership? The answer to
is no. Since minors do not have full capacity for civil conduct and cannot sign contracts with sellers themselves, they need their parents to come forward.
Parents need to provide the household registration book of the minor child, the parent's ID card, guardianship certificate and other relevant materials to sign the house purchase contract for the child. At the time of transfer, in addition to the materials required for the normal housing transaction registration procedures, additional materials such as the child's household register or birth certificate, parent's ID card, guardian certificate and other materials are required.
3. Can minors apply for loans?
can't. Because minors often do not have the ability to repay debts, and banks grant loans to natural persons with full civil capacity, minors cannot handle bank loans when buying houses.
Parents with limited financial strength can also try their parents and children as co-buyers. In this case, parents can apply for partial loans and bear joint and several repayment liabilities with their children.
4. Can parents dispose of their children's real estate?
can't. Parents, as guardians, when selling real estate under the name of minor children, they must present a declaration to protect the interests of minor children before selling the real estate and provide a certificate certifying the qualifications of the guardian.
When the children reach adulthood, if the parents want to sell the house, they must hold the written authorization of the children, expressing their willingness to sell the property on their behalf and notarize it.
5. Who is the property right of divorced parents?
is legally owned by the minor owner. The property right of the house does not belong to the joint property of the husband and wife and cannot be distributed. But from the perspective of custody rights, whoever obtains custody of the children can obtain the right to use and benefit from the house.
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