Recently, some media reported that the number of divorces and remarriages among Nanjing residents increased significantly in the first quarter of 2016, coinciding with this round of rising housing prices. For friends who are divorcing over buying a house, I still can’t help but say a few words about the house buying guide.

Is the 10,812 couples breaking up in Nanjing in the first quarter related to the hot property market?

Recently, news has spread in Shanghai, Tianjin and other places that the divorce rate has surged due to the booming property market. Yesterday, a reporter from Modern Express

Recently, data from the Nanjing Civil Affairs Bureau showed that in the first quarter of this year, 20,684 couples got married and 10,812 couples divorced in Nanjing. The number of marriages only increased by 880 compared with the same period last year, but the number of divorces increased by 3,834. At the same time, 4,053 couples remarried, 1,101 more than the same period last year.

In addition to the data from the Civil Affairs Bureau, there are also intermediaries saying that they can apply for fake divorce certificates for home buyers. In other words, this divorce data is not complete. For those who really want to buy a house, apart from the real "fake divorce certificate" Divorce” and fake “fake divorce”!

The marriage department stated that in fact, there have been more divorces since the second half of last year. This coincides with this wave of rising house prices. The higher the housing prices, the higher the divorce rate? What is the relationship between these two seemingly unrelated things?

What are the benefits of buying and selling a house after a fake divorce?

Zhang Hui, secretary-general of the Nanjing Real Estate Construction Promotion Association, said that under the existing property market policies, this kind of "divorce" can achieve at least two purposes:

First, enjoy a lower down payment payment ratio. At present, the minimum down payment for a first home in Nanjing is 30%, and the minimum down payment for a second home is 4.50%. Some families enjoy low-threshold loans through divorce;

The second is to enjoy relevant tax incentives. For example, the current deed tax preferential method is based on the "family only". For a house larger than 90 square meters, if it becomes "unique" through divorce, you can save 0.5% of the total house price in deed tax. For a house worth 2 million yuan, you can save 0.5% of the deed tax. Lost 10,000 yuan.

Is the divorce rate really directly proportional to housing prices?

It is not a new thing to say that the higher the house price, the higher the divorce rate. Previously, when Nanjing was still subject to purchase restrictions, many people chose to fake divorce in order to obtain the qualifications to buy a house or enjoy the discount for the first home.

Why do you think so? Because the following facts can prove it. Since 2014, with the cancellation of property market purchase restrictions, loan restrictions and other policies, the number of divorces in Nanjing, which has been rising year by year, has dropped for the first time.

In general, the divorce rate is not really directly proportional to housing prices, but after policy changes, divorce can have corresponding benefits when buying a house, or save taxes and fees, or have a new home. Qualifications for buying a house, etc., will some people get divorced just to buy a house.

What are the risks of fake divorce and buying a house in Nanjing?

First of all, it is definitely useless to apply for a fake divorce certificate. Recently, the Ministry of Civil Affairs and the State Administration of Taxation issued the "Notice on Strengthening Cooperation between Civil Affairs Departments and Taxation Departments in Sharing Marriage Registration Information."

For residents who can enjoy deed tax or personal income tax concessions when purchasing a house, the tax department can directly use the marriage registration information sharing network in the future to promptly verify the authenticity of the home buyer's commitment.

The State Administration of Taxation currently stipulates that in the process of accepting deed tax and personal income tax declarations and payments, the tax authorities no longer require taxpayers to provide proof of no marriage registration records, but instead require taxpayers to provide proof of absence of marriage registration records, but instead combine household registration books, marriage certificates and other relevant documents. materials to determine the marital status of the parties. If it is impossible to make a judgment, the parties may be required to provide a letter of commitment to make a commitment to the authenticity of the relevant declared marital status.

Secondly, you may not be able to get discounts after a fake divorce. When buying a house, it is divided into the principal borrower and the sub-borrower. Before getting divorced, you must first go to the bank to get a credit record. If there is a loan record in your name, even if you get divorced, it will be considered a second home and you will not be able to enjoy the preferential policies for the first home.

Also, women’s loans also have a maximum term. Generally speaking, the maximum age for women to get a loan is 55. If you want to take a loan for 30 years, you must at least be around 25 years old. Generally, divorced women are older than this, which means that it is very likely that the loan period needs to be shortened.

Of course, you may also encounter some intermediaries who tell you that proof of income can be made with money, and you can definitely get a loan for 30 years, but has your risk increased again?

Finally, the couple wants to divorce in order to buy a house. Don’t you really feel uncomfortable? In fact, the greater risk of buying a house after divorce is to fake it. After all, the two people legally recognized are really divorced. Agreements on issues such as property and children are registered with the civil affairs department and are difficult to revoke.

However, some people think that it does not mean much if the relationship is only maintained by a piece of paper to prove that the marriage is only maintained by a piece of paper. On the contrary, only those who can withstand the temptation to remarry can truly be regarded as "love". Stronger than gold." Come to think of it, many people are gritting their teeth and tightening their belts when buying a house. Naturally, if you can save a little, let alone tens of thousands or hundreds of thousands of yuan, naturally you will fight if you can.

(The above answer was published on 2016-05-03, please refer to the actual relevant current home purchase policies)

Click to view more real estate information