How can you save money if you want to be removed from the parents' house in order to qualify for re-purchase? Do you have a land-use term indicated on the property certificate and no additional land price is required for the transaction?
The city of guangzhou entered the “red may” city, with an increasing number of people buying and selling houses. In the course of the transaction, there are a number of “small, important” strategies that are not always noticed. To that end, journalists interviewed the heads of the relevant departments in guangzhou and the city on a case-by-case basis。
Keywords: supplementary costs for rehousing
A sudden payment of over 10,000 extras for the transfer?
Miss luo wants to change the suite in the kosumi district. According to the regulations, a 1 per cent land price must be added to the rental price presented by the housing authority system, unless it is stated on the property certificate that “the concession of land use rights has been levied”。
Ms. Rowe therefore specifically asked the owner whether the land price had been paid, and the owner replied that it had been paid and produced a property certificate indicating the land use period. The real estate broker also stated that the calculation of the land use period would begin only after the replacement price had been paid. As a result, ms. Rowe bought the house, but when she arrived for the transfer, the real estate transaction registration centre stated that she had to pay the land price in advance before she could formally process the transfer。
As the owner stressed the need to collect, ms. Rowe was “mong” in the face of the sudden occurrence of 10,000 multiple payments of land prices. In the end, when the two sides coordinated, they each borne half。
We'll agree on the offer, if we have to pay back
According to the relevant director of the real estate transactions register, the requirement is that a person must pay the land price for a change of house or re-marketing transaction, even if the date of calculation of the land use period is indicated on the property certificate, does not mean that the land price is not due for sale. When buying a house, the public asks who paid the fee, and supplementary provisions are drawn up to specify who will pay if funds are needed。
In addition, contributions are also made in the event that the dwelling has not been converted to a share. However, if the “building area” is indicated on the property certificate, this means that the share of the area has been paid for the rehousing of the building. It also depends on whether the property certificate states that it is “purchased at cost”, since the standard house change price is lower than the cost price, and if it is sold on the market, the owner is required to return 20 per cent of the value added to the original property, i. E. To the original property。
Keyword: provident fund loans
Did one of the parties in the case not lend a further $800,000?
Ms. Lee said that she had purchased a house on a personal loan fund and was still repaying the loan. Now i'd like to go back to my boyfriend, who hasn't bought a house or used a pool loan. In this case, can they still apply for a provident fund loan? If you can apply, can you apply for a two-person loan of $800,000? Do you have access to the first flat policy?
I'll pay you $500,000
The relevant director of the provident fund centre indicated that if the two individuals had bought the house together, one of them had used the provident fund loan and had not settled it, the other party could still apply for the provident fund in its personal capacity, but the amount of the loan would be only 500,000 yuan per person; if the other party has an outstanding loan but has not used a provident fund loan, it can apply for a loan of 800,000 yuan from both parties。
On the down payment side, since ms. Li already has a room in her name, even if her boyfriend is the first one, the two are to be bought jointly on the basis of the second one. Since ms. Li has not yet settled the previous set of mortgages, a new suite is available, which is 40 per cent lower if a down payment is made using the pure provident fund; if a commingled loan is used, the down payment is subject to specific bank regulations。
Keyword: de-listing of property certificates
How can you save money by removing the property?
Mr. Zhang is from guangzhou and currently lives in a joint house with his wife. Recently, they wanted to have more rooms, but found that they already had two rooms because his name was included in the parents ' property. He was unable to buy any more houses, as the local resident population of guangzhou limited the purchase of two units. According to his understanding, if he could be removed from his parents ' property, he would be able to reset. But how does it save money? After the de-listing, would the property be subject to a turnover tax if it was traded within two years?
They can be delisted by selling 1% of the property
The relevant persons in the city real estate register indicated that the de-listing of the property certificate could take place either by gift or by sale. Of these, the way in which gifts are made is relatively cumbersome and costly. According to the rules, only immediate family members may be granted, requiring proof to be issued at the relevant office. In addition to taxes, there are costs such as notary fees, house valuation and identification fees。
(b) as to the mode of sale, the transaction is carried out on the basis of the share in the name of the person to whom the title is to be sold, if the share of the joint owner has been agreed on the property certificate; if only “shared property” was stated on the property certificate, without a clear share, the share of the seller could be specified at the same time as the transaction, with a low of 1 per cent。
Industry has indicated that it is both cost-saving and convenient to remove a 1 per cent title. Such de-listing is also carried out online, with 1 per cent and no less than 1 square metre of property rights on the netting contract; only 1 per cent of the property is available to the notary seller if the regional land tax office requests an equal distribution of head on the property certificate。
In addition, after the de-listing of the property by trade, the property registry will reissue a new certificate and re-file the date of ownership of the property. This means that in the event of a transaction within two years of the delisting, a turnover tax is paid。
Keyword: a tax credit
Is there a tax reduction on the seller's son's houseless?
Under the law, property is exempt from tax if the property is owned. Closely, mr. Huang saw a second-hand house of 85 square metres at a total cost of approximately $2 million. The property certificate was issued in 1999 and has been shared by an adult son and mother for 16 years. Of these, only this room is in the name of the son, while the mother has another room. In such cases, could a single tax be counted separately for relief? If it were possible to separate, mr. Huang might have saved $10,000 in taxes。
Half of the property is taxed for houselessness
Journalists have learned from the guangzhou municipal tax office that if the parents share property with an adult child, each tax may be collected separately depending on the circumstances. A child who has reached the age of majority can be classified as an independent family, and if the child has only the property in his or her name, he or she can be counted as a home for himself or herself, the part of the property he or she owns is exempt from taxation. In the case of mr. Huang, only half of the property is taxable。
- - - i'm a gorgeous dividing line - -
