What is the most cost-effective way to transfer property to children?

"Inheritance", "gift" and "buying and selling" have their own advantages and disadvantages. Which method is more tax efficient? When parents are alive, they can only transfer their property to their children by "giving" or "buying and selling". If you consider the taxes and fees that your daughter needs to pay for selling real estate in the future, the taxes and fees for "buying and selling" may sometimes be lower than those for "giving". For example: a set of 8 1 flat rooms, the current market price is about 1.2 million yuan, the real estate license is less than 5 years, and the purchase price is only 400,000 yuan.

Gift: only 3% deed tax is paid for the first transfer.

The taxes to be paid for the "gift" of real estate include deed tax, notary fee and registration fee, the most important of which is deed tax, which is 3% of the appraised house price, generally 3% of the market price of second-hand houses in Shanghai. The current market price is 6.5438+0.2 million yuan, and the deed tax is 36,000 yuan. If the children are sold after 5 years of real estate license and are the only houses, they can be exempted from business tax and personal income tax, and only need to pay a small handling fee. shzyshange44

If the children sell their houses less than five years after donation, or if they own multiple properties, according to the current operation mode, the children can only pay personal income tax according to the actual collection method, that is, 20% of the transfer income after deducting reasonable expenses, and 5.5% of the transfer income. Assuming that the future children sell this property at a price of 6.5438+0.5 million yuan, the tax that father and daughter need to pay in the process of changing hands twice may be as high as 400,000 yuan.

Buying and selling: you can pay less tax if you change hands within 5 years.

If parents "sell" the property to their children, they need to pay personal income tax of 1% of the total evaluation price. As the real estate license is less than 5 years old, the value-added part has to pay 5.5% business tax. Children need to pay 1% deed tax. They have to pay 68,000 yuan. When the children transfer this property in the future, if they have obtained the real estate license for 5 years and are the only houses, the daughter only needs to pay a small transaction fee.

If the real estate license is less than 5 years old or you own multiple houses in Zhou Pu Oufeng Jiayuan, you need to pay 1% personal income tax and 5.5% business tax on the value-added part, and the tax for the two transactions is * * * 99,500 yuan. It can be seen that if the children sell their houses five years before the future real estate license expires, it is more economical to use the method of "buying and selling" between father and daughter than "giving". In addition, if the daughter's real estate license exceeds 5 years, then selling this suite and buying a big house can save a lot of taxes and fees.

Legacy: Although it is the most economical, you must wait until your parents die.

Theoretically, it is the least tax to leave the property to the daughter through inheritance. If there is no other consideration, you can wait until your parents die before transferring your property. This process requires only a small registration fee and stamp duty. shhuang44ss

After the children have obtained the real estate license through inheritance for five years, if there is no other real estate when they sell the real estate again, they can be exempted from personal income tax and business tax at the same time, and only need to pay a small amount of transaction fees for second-hand houses in Shanghai.

Even if the real estate license is issued less than 5 years, it only needs 1% personal income tax and 5.5% business tax, and the total cost is only 97,500 yuan.