Position:home>Property consultant>Buy line of business is direct: Baby and parents buy room ability jointly to bor
Buy line of business is direct: Baby and parents buy room ability jointly to bor
From;  Author:Stand originally
Buy line of business is direct: Baby and parents buy room ability jointly to borrow money

Caricature / Xu Yingjian

At present, beijing appears more and more " baby owner " , namely discipline of child small off year, under one's name had the house property that parents purchases for its. Some parents think, let the child become person of building property right, it is in advance makes a plan in the future for his. Child of father mother love is the nature makes like that, but this kind of means after all whether be to one's profit? The reporter interviews discovery, buy a house with minor child name, advantageous have disadvantage, on one hand can change the name of owner in a register will make over avoid henceforth tax cost, but on the other hand, when buying a house, cannot undertake mortgaging loan, there are many troubles in the meeting when will be being made over henceforth at the same time. Want " impish husband " , parents answers cogitative hind redo decision.

But change the name of owner in a register will make over avoid henceforth tax cost

[case] recently, mr Lin thinks the name that uses 4 years old of daughters is bought on the west 2 annulus a two bedrooms. Mr Lin says, can discharge the death duty that happens possibly henceforth so.

Although leave,asking for death duty to be returned now is to discussing level only, but if buy a house with the child's name, it is OK really a few duty expend avoid. "This kind of means not drag in arrives change the name of owner in a register, won't be regarded as so donative, do not need to hand in the duty such as agree duty to expend " , zhou Huiming's lawyer points out office of Beijing Jun Zejun's attorney, in October 2006, tax total bureau is in the country " about strengthening free of estate market individual donative praedial concerned problem informs " in clear, between directly-related members of one's family -parents donative house property, need pays the agree tax of 4% . And if parents is in,handle building property right in child under one's name directly, nonexistent want transfer ownership more the problem of the name, can save next this tax cost so.

Minor cannot borrow money to the bank

[case] Miss Zhang should be used just was born the son's name buys a house, do business with the payment that mortgages 20 years, but be informed by loan bank, minor cannot apply for loan with his name directly.

The reporter interviews understanding to arrive, although minor child can buy a house alone, but its repay without debt ability, and Chinese people bank " individual housing assures method of loan administration try out " also have specific provision the 4th times, "The bank extends the has capacity of completely civil action to seeming natural person of loan " , because this minor is bought,the room cannot undertake the bank borrows money.
Previous12 Next