I have a friend, and her father has an empty house to keep her in. Now she wants to change her name. Is it the gift or the trade? What are the main costs
Miss wang
Journalists have learned from the department of real estate trading that there is a cost involved in either the gift or the transaction, and that the lower cost of either option depends on whether the source of the title is more than five years old and on the use of the house. The dwellings in guangzhou are divided into ordinary and non-ordinary dwellings (commonly known as mansions), and the transaction costs are lower if they are ordinary and more than five years after the last transaction。
It was described that, owing to the dynamism of the guangzhou second-hand real estate market, the government, in order to prevent the use of gifts to avoid tax evasion, required that gifts be notarized. At present, housing in guangzhou is subject to a grant of 1. 5 to 3 per cent tax and 2 per cent notary fee. In the case of transactions, there is a need for taxes, stamp duties, transactional services, land concessions, land deeds tax, personal income tax, turnover tax, land value added tax, property registration fees, certificate stamp taxes, city construction surcharges, education surcharges, etc., which, if more than five years have elapsed since the last transfer, account for about 2 to 3 per cent of the total house price。
In this way, when the source of the property is more than five years old, the ordinary dwelling chooses the form of the grant, the cost of which is about 3. 5 per cent of the assessed price of the house, and the cost of the transaction is about 2 per cent; the figures for the mansions are about 5 per cent and 3 per cent, respectively. Obviously, it would be more cost-effective to do so。
It was explained that the total house price referred to here is the total price assessed, which is the result of an evaluation of the house made by a specialist of the housing authority, rather than the actual transaction price。
In addition, in order to curb the build-up, starting last year, housing units with an ownership source for less than five years are subject to a turnover tax and additional urban construction taxes and education surcharges, which are fully measured by transfer income. For more than five years, ordinary dwellings are exempted from recruitment; when non-ordinary dwellings are sold, valid house purchase invoices are provided, based on value added or, without value added, exempted. Non-residential housing is measured according to value added。
Thus, in the case of non-residential housing, it is clear what would be cheaper to calculate the detailed accounts。
What is an ordinary dwelling
(a) construction capacity in 1 residential subdistrict is above 1. 0
2 single sets of buildings with an area below 144 m2
The actual transaction price is less than 1. 2 times the average transaction price for housing on the same level of land。
Calculation of whether the last transaction exceeds 5 years
The time of registration (month) specified in the real estate certificate is generally used as the time of commencement or purchase, and the time of completion of the tax declaration (month) is used as the time of end of use to calculate eligibility for exemption. If there is an objection to the time of purchase or the time of the start of use, the following additional information may be submitted to the authority for approval at the time of commencement:
1 house conversion: schedule of contributions for the sale of publicly owned housing, payment time indicated in receipt receipt or contract time for the purchase of housing。
2 self-building: time frame for completion of receipt and inspection by the planning department。
3 commodity houses: time of return (at the time of personal income tax) as agreed in the contract for the purchase and sale of commodity houses。
4 grant, inheritance, divorce division: time of acquisition of property prior to the act. (reporter wang yong-gyu)
