How to transfer a house to your wife: latest hot topics and operation guide
Recently, the issue of property transfer has become a hot topic, especially the demand for property transfer between couples has increased significantly. The following is a compilation of relevant content that has been hotly debated across the Internet in the past 10 days, as well as a detailed transfer operation guide.
1. Recent hot topics in real estate transfer
| topic | heat index | Main discussion points |
|---|---|---|
| Tax-free transfer of property between husband and wife | 85% | Is the deed tax exempted during the marriage? |
| Divorce property division disputes | 78% | Property transfer process and legal risks after divorce |
| Gift vs transfer | 72% | Comparison of costs, pros and cons of the two methods |
2. The specific process of transferring property to the wife
1.Confirm the nature of the property: It is necessary to clarify whether the property is joint property or personal property, involving pre-marital/post-marital purchases, loans, etc.
2.Choose transfer method:
| way | Applicable scenarios | Materials required |
|---|---|---|
| Gift transfer | No loan property | Donation notary certificate, ID card, real estate certificate |
| Transfer of ownership | Property with loan | Sales contract, appraisal report, tax payment certificate |
3.Processing steps:
① Both parties bring the materials to the real estate registration center
② Fill out the "Application Form for Registration of House Ownership Transfer"
③ Pay relevant taxes and fees (if applicable)
④ Receive the new property ownership certificate (usually 5-10 working days)
3. Comparison of taxes and fees (taking a property worth 1 million yuan as an example)
| Fee type | Gift transfer | Transfer of ownership |
|---|---|---|
| Deed tax | 3% | 1%-3% |
| personal income tax | exempt from tax | 20% difference |
| Notary fees | 0.2%-1% | None |
4. Frequently Asked Questions
Q: Does my wife need to be qualified to buy a house?
A: Transfer of ownership during the marriage relationship is usually not affected by the purchase restriction policy.
Q: Can the loan be transferred if it is not repaid?
A: You need to pay off the loan or go through the remortgage procedures first.
5. Lawyer’s advice
1. It is recommended to notarize the pre-marital/marital property agreement
2. If special properties such as school district housing are involved, the household registration information needs to be changed simultaneously.
3. Keep complete proof of capital flow for subsequent verification
Note: The statistical period of the data in this article is November 1-10, 2023. Policies may vary by region. It is recommended to consult the local housing authority.
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