Under normal circumstances, the renaming of real estate license is mainly divided into direct addition, gift and sale.
First, directly add
Adding a spouse's name during marriage can be done directly. If the property belongs to both husband and wife during the marriage, even if only one person's name is written on the real estate license, it is considered as the same property of both of them.
Therefore, during the marriage, if you need to add the name of the real estate license, you only need to bring the marriage certificate, two house certificates, the original and copy of your ID card to the "change registration" window of the real estate transaction center.
Unmarried duration: during the unmarried duration, the name on the real estate license can not be changed directly by adding the spouse's name, but only by gift.
Second, gifts
The scope of gift includes unmarried period, relatives and friends.
That is, children, parents and other relatives or friends can be added to the real estate license by gift.
1, housing and loans.
Under normal circumstances, the house loan cannot be renamed before it is paid off. There are two ways to rename. One is to pay off the loan in advance and then change its name. The second is to apply to the bank to change the borrower and mortgagor in the loan contract, and then go to the Housing Authority to go through the relevant renaming procedures after obtaining the consent of the bank.
2. Having a house without a loan is a gift.
Both parties need to sign a gift contract, and the gift contract must be notarized. The notarization fee is generally 1% of the value of the donated house, in addition to certain personal income tax, deed tax and other expenses (the donated house between immediate family members is exempt from business tax). This treatment is not only suitable for couples,
3. Gift program
The donated house must submit the house ownership certificate, the gift certificate and the deed certificate, and this gift behavior will have legal effect only after the relevant departments have gone through the formal registration procedures for the change of house ownership. The specific steps are as follows:
1. The donor and the donee conclude a written contract for house donation, that is, a donation letter.
2. The donee pays the deed tax with the original house ownership certificate and gift certificate and obtains the deed certificate.
3. notarization.
4. Go through the registration formalities of house ownership transfer. The donee shall apply to the real estate management department for registration of change and submit the following documents:
(1) Application Form (provided in the window).
(2) Original real estate title certificate.
(3) the identity card and household registration book of the party concerned.
(4) gift certificates and notarial certificates.
(5) deed tax receipt.
5. The donor delivers the house to the donee. The "delivery" here is subject to the completion of the registration of house property right transfer.
6. When handling the house donation procedures, the donor and the donee shall sign a written donation contract and go through the transfer procedures at the housing management department. However, if the donor gives his house to others in order to escape his legal obligations, if the interested party claims rights, the gift is invalid.
Gifts between non-immediate family members also require personal income tax returns.
(1) Taxes and fees required for the gift of real estate between immediate family members:
1. Transaction cost: residential 2.5 yuan /m2 non-residential 5.5 yuan /m2.
2. Transaction stamp duty: 0 for residence and 0.05% for non-residence.
3. Land revenue: paid by allocated land.
4. Deed tax: 4%
5. Housing registration fee: residential 80 yuan/set of non-residential 550 yuan/set.
6. Stamp duty on licence: 5 yuan/Ben.
7. Cost: 10 yuan/copy.
8. Individual income tax:
1 The calculation method of audit collection is: (appraisal price-original value of the property-taxes and fees-reasonable expenses) ×20%.
2. The calculation method of the approved levy amount is: appraisal price × 1%.
9. Business tax: the real estate donated between immediate family members is exempt from business tax.
(2) Taxes and fees donated by non-immediate family members.
In addition to the above, non-immediate family members are also required to pay business tax:
Non-ordinary housing less than five years (including five years) or ordinary housing less than five years donated to foreign countries.
Business tax = appraised value-purchase price
Ordinary housing for more than five years (including five years): exempt from business tax.
Third, buying and selling
In addition to the gift, the name change of real estate license can also be carried out by buying and selling second-hand houses.
1, second-hand housing transfer business tax and surcharges, divided into the following situations:
1 If an individual who sells non-ordinary housing for less than 5 years, the business tax will be levied in full.
2. If foreign sales individuals purchase non-ordinary housing for more than 5 years (including 5 years) or ordinary housing for less than 5 years, business tax will be levied on the difference.
3. Foreign sales individuals who purchase ordinary houses for more than 5 years (including 5 years) for foreign sales shall be exempted from business tax.
2. According to whether the house type is residential or not, the taxes and fees for residential and non-residential houses are as follows:
Transaction cost 1: residential 5 yuan /m2, non-residential 1 1 yuan /m2. The transaction fee for the buyer's first purchase of an ordinary house of 90 square meters or less will be halved. Buying a house for the first time refers to all family members.
2. Transaction stamp duty: 0.05% of the total price for residential and non-residential buildings. According to the normal transaction price.
3 House registration fee: residential 80 yuan/set, non-residential 550 yuan/piece.
3. Land revenue: allocate the use type and collect the corresponding land revenue.
Land revenue: the charging standard is based on the lot grade × land sharing area.
4. Deed tax: From June 2008 1 65438+1October1day, the deed tax rate for individuals to buy non-ordinary houses (except villas and townhouses) is 3%, and the deed tax rate for individuals to buy ordinary houses is 1.5%. For individuals who purchase ordinary houses of 90 square meters or less for the first time, the deed tax rate will be temporarily lowered to 1%.
If an individual sells the only family house and buys back the house, the deed tax paid for the original house shall be deducted from the deed tax payable for buying back the house.
5, personal income tax, divided into two ways:
1 The calculation method of audit collection is: (appraisal price-original value of the property-taxes and fees-reasonable expenses) ×20%.
2. The calculation method of the approved levy amount is: appraisal price × 1%.
Personal income tax shall be exempted for houses that have been transferred for self-use for 2 years and are the only residence of the family.
6. Land registration fee: 33 yuan/set.
7. Transaction evaluation fee: evaluation price ×0.3%
8. Surveying and mapping fee: construction area × 1.36.
9. If you hire an intermediary, you need to pay an intermediary fee: 2% of the normal transaction price.
The gift procedure is complicated and the cost is higher than the transaction cost. It is suggested that citizens choose the transaction transfer procedure when transferring their houses to their relatives. This method is relatively simple and the cost is relatively low (the deed tax for the gift procedure is 4%, while the deed tax for the transaction transfer is only 1% or 1.5%).
In addition, there are some properties that can't be donated, and it is the best way to directly handle the transaction transfer.
This is the introduction of the cost of renaming the real estate license. To sum up, due to the different ways of renaming the real estate license, the specific costs involved are also different. You can determine which way to change the name, and then calculate the fees according to the above standards, so as to know the specific fees that need to be prepared more accurately, and successfully complete the payment work, so as to successfully complete the renaming activity of the real estate license.