The house can be transferred to minor children.
If the house is to be transferred to minor children, then the owner of this suite is a minor. Without authorization, the guardian cannot dispose of the house. In addition, parents should consider that if their children fail to fulfill their maintenance obligations as adults, they can't take back their houses, so it is risky to transfer the houses to minors.
If parents are going to buy a house for their minor children, although the minor does not have the ability to sign a house purchase contract independently, parents can write the name of the minor children on the real estate license. When buying a house, if the parents pay in one lump sum, the property owner can directly write the child's name. When running a real estate license, the guardian can write the property in the name of the child as long as he issues relevant certification procedures; However, if it is a mortgage loan, minor children cannot become independent property owners, and property rights can only be owned by parents and minor children.
If the house is to be transferred to the name of one of the parties, then both husband and wife should bring their own ID cards, marriage certificates, household registration books, real estate licenses, transfer confirmation approval forms and other materials to the local housing authority to handle the registration procedures for the change of property owners.
Children transfer their houses to their parents by way of gifts, and the charging standards in the transfer fees are as follows:
(1) notary fee: 2% of the house price;
(2) Appraisal fee: 0.5% of the house price;
(3) Deed tax: 3% of the house price;
(4) Land value-added tax: 65438+ 0% of the house price;
(5) Income tax: 65438+ 0% of the house price;
(6) Property registration fee: 100.00 Yuan.
To sum up, it is Bian Xiao's answer about how to transfer the other half of the divorced real estate by loan, hoping to help you.
legal ground
Article 1087 of the Civil Code of People's Republic of China (PRC) deals with divorce, and the property of husband and wife shall be handled by mutual agreement. If the agreement fails, the people's court shall make a judgment based on the specific circumstances of the property and the principle of taking care of the rights and interests of the children, the woman and the innocent party. The rights and interests enjoyed by husband and wife in the contracted management of family land are protected according to law.