After the house is transferred to the parents' name and the real estate license comes down, just go directly to the real estate management center to open a certificate that there is no real estate. At this time, there is no real estate in your name, and the tax is collected according to a set of standards. If both husband and wife have no real estate and have not applied for a loan, the first loan will be applied.

If the house is five years old, go through the gift formalities directly to save money.

Houses less than five years old are cheaper to handle.

Whether the house has passed five years, it is best to go to the file inquiry office of the local housing management center to check. The date of issuing the real estate license is not very accurate.

I hope the answer from Zhaibang Online will help you.