父母把房产过户给孩子 税费更低的方式-看世界

父母把房产过户给孩子 税费更低的方式

拥有属于自己的一套房子是每个人一生的追求,而有些人并不用为房子而奔波,因为他们的父母早已为他们准备好。可是,当孩子们成年后父母准备把房产过户给孩子时,赠与和买卖的方式中哪一种税费更低呢?下面跟随360常识网了解一下吧!

拥有属于自己的一套房子是每个人一生的追求,而有些人并不用为房子而奔波,因为他们的父母早已为他们准备好。可是,当孩子们成年后父母准备把房产过户给孩子时,赠与和买卖的方式中哪一种税费更低呢?下面跟随360常识网了解一下吧!

Owning a house of their own is everyone's lifelong pursuit, and some people don't have to rush for the house, because their parents have already prepared for them. However, when the parents are ready to transfer the property to their children as adults, which of the ways of donation and sale is the lower tax? Now follow 360 common sense net to understand!

办理房产赠与的程序和费用:

Procedures and expenses for handling house property donation:

第一步:房产的赠与人与受赠人之间需要订立一份房屋赠与的书面合同,也就是赠与书。然后,赠与人和受赠人要带着这份赠与书和房屋的产权证,同时到房屋所在地的公证处进行房屋赠与的公证。

The first step: the donor and the donee of the real estate need to conclude a written contract of housing donation, that is, the donation letter. Then, the donor and the donee should take the gift certificate and the property right certificate of the house, and go to the notary office where the house is located to notarize the house gift.

这个过程中涉及评估费和公证费两笔费用。公证费,和继承权公证一样,房屋赠与的公证费收取的比例也是受益总额的2%,但不低于200元。

There are two costs involved in this process: assessment fee and notarization fee. Notarization fee, like the notarization of inheritance right, the proportion of notarization fee charged for house donation is 2% of the total benefit, but not less than 200 yuan.

第二步:到房地产交易中心去办理房屋所有权转移登记手续。需要的材料有房屋赠与的申请书,赠与人和受赠人的身份证件、原来房地产产权证、赠与书及公证材料以及缴纳的契税收据。

Step 2: go to the real estate trading center to go through the registration procedures of house ownership transfer. The materials needed include the application for house donation, the identity documents of the donor and the donee, the original real estate property right certificate, the gift certificate and notarial materials, as well as the deed tax receipts paid.

相关费用:与房产的继承过户不同,除了房产评估费,房屋赠与公证费、80元的登记费、5元的权证印花税、受赠方缴纳每平方米3元的房地产交易手续费、房屋评估价0、05%的合同印花税外,房产的赠与还需要缴纳一笔契税。目前,契税的征收比例是房屋评估价值的3%。

Related expenses: different from the inheritance and transfer of the real estate, in addition to the real estate appraisal fee, the notarization fee of the house gift, the registration fee of 80 yuan, the certificate stamp tax of 5 yuan, the real estate transaction fee of 3 yuan per square meter paid by the donee, the contract stamp tax of 0 and 05% of the house appraisal price, the real estate gift also needs to pay a deed tax. At present, the collection proportion of deed tax is 3% of the appraisal value of the house.

买卖过户:买卖过户可能涉及到的费用有营业税+个税+契税+公证费+过户登记费。

Transaction transfer: transaction transfer may involve business tax + personal tax + deed tax + notarization fee + transfer registration fee.

这里分2种情形。

There are two situations.

情形一:如果这套房产是过户方唯一的房产,小于90平方米(属于普通住宅),距离上次交易满5年,那么,营业税免征,契税1、5%,个税免征。

Situation 1: if this property is the only property of the transferor, less than 90 square meters (belonging to ordinary residence), and 5 years have passed since the last transaction, then business tax is exempted, deed tax 1, 5% and individual tax is exempted.

也就是说,如果是过户方的唯一房产且小于90平方米,那么买卖过户的方式比赠予方式的费用还要省。

That is to say, if it is the only property of the transferor and less than 90 square meters, then the way of buying and selling the transfer is cheaper than the way of giving.

情形二:如果这套房产大于90平方米(属于非普通住宅),契税要3%,个税为差额部分的20%(比如以前这套房产是房改房20万元买下,现在市值100万元,那么差额就是80万元,个税为16万元);而营业税,满5年免征收;不满5年,营业税将近6%。

Situation 2: if the house property is more than 90 square meters (non ordinary residence), the deed tax is 3%, and the personal tax is 20% of the difference (for example, if the house property was purchased by 200000 yuan from housing reform, the current market value is 1 million yuan, then the difference is 800000 yuan, and the personal tax is 160000 yuan); and the business tax is exempt for 5 years; if the house property is less than 5 years, the business tax is nearly 6%.

到底选择赠与还是买卖过户呢?

Is it a gift or a transfer?

1、什么情况赠与过户费用少?

1. Under what circumstances is the donation transfer fee small?

由于直系亲属间赠与只需要交3%的契税,如果所涉房屋过户会产生大量税费的,这种情况下,走赠与过户比较划算。

As the gift between immediate relatives only needs to pay 3% deed tax, if the house transfer involved will generate a lot of taxes, in this case, it is more cost-effective to transfer the gift.

2、什么情况下买卖过户费用少?

2. Under what circumstances is the transaction transfer fee less?

以下这几种情况可以走买卖过户。

In the following cases, trading transfer is allowed.

第一,房子满五年,而且是其名下唯一住宅的,面积在90平米以下的普通住宅,这一类房产只会产生契税(90平米以下是1%的契税,90平米以上1、5%的契税);

First, ordinary houses with an area of less than 90 square meters, which have been the only houses under their name for five years, will only generate deed tax (less than 90 square meters is 1% deed tax, more than 90 square meters is 1,5% deed tax);

第二,满五年,但是不唯一的公房,查不到原值的,面积在90平米以下,除了契税外,只会产生1%的个税。

Second, after five years, but not the only public house, if the original value cannot be found, the area is less than 90 square meters, except for the deed tax, only 1% of the individual income tax will be generated.

由此可见,一套房子是采取赠与还是买卖,那种更划算时,还是取决于房子的实际情况。我们应当从多方面考虑该房子的转让形式,不能断章起义。所以,在今后面临房产过户时,我们应当按照房屋的具体情况选择过户方式。若还有疑问,请咨询律师。

It can be seen that whether a house is to be donated or sold, which is more cost-effective, depends on the actual situation of the house. We should consider the transfer form of the house from many aspects, and we can't break the rules and uprising. Therefore, in the future, when facing the transfer of real estate, we should choose the transfer method according to the specific situation of the house. If you have any questions, please consult a lawyer.

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