把现在的房子给孩子（18岁）然后我们再买房

我爱我家 买房贷款
#21

你没看我上面的回帖么？因为“曾经拥有过房产”，就不再算首套房了。系统都有记录，赖不掉的 :joy:

#22

卵用就是税率低，买房可以少付钱啊 :sweat:
如果First Time Buyer买房首付不够，政府还有其它各种优惠和帮助。

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#23

我看了，处理掉以前的房产，名下没房产，再去买按照唯一住所缴纳印花税，跟买第一套一样呀

#24

Stamp Duty relief for first-time buyers

First-time buyers

A person is classed as a first-time buyer if they’re purchasing their only or main residence and have never owned a freehold or have a leasehold interest in a residential property in the UK or abroad.

主要是后面那句啊，难道是我理解错了？

#25

应该是你理解错了

#26

哦

#27

At the other end of the spectrum the Government’s definition of a first-time buyer is very tight.

To qualify for the tax-free perk you must have never owned a property.

This includes anywhere in the world, shared ownership properties with housing associations, properties jointly owned with someone else at some point in your past and even caravans.

#28

也是。那你能否多教教大家如何做一个Trust呢？那里有比较详可靠的介绍资料呢？多谢！

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#29

减免和补贴就不指望了，按照唯一住所缴纳印花税就行了。
贷款我以前申请过一次，给我批了210k，后来没用上，现金够了，我也没关注morgage

#30

赶紧买房吧，别存现金，通货膨胀率实在太高。
跟涨的房价比起来，这点税真的可以忽略不计了。

#31

这个酒复杂了，我也不懂，要找专业会计的。

#32

有些人这样操作，以孩子的名义买下套房，这样也不浪费孩子 first time buyer 机会减免 stamp duty， 赠与不交税，除非你赠与还有mortage的房产，或者你7年以内去世

#33

Instances where you’ll commonly not be accepted as a first-time buyer

  • If you’ve previously owned a property and sold it. To qualify, you need to have never owned a property.
  • If you inherited a property or were added to the deeds. First-time buyer status is based on ownership of residential property, not whether you bought it.
  • If you’ve previously owned a buy-to-let property. If you’ve previously owned a buy-to-let property, you no longer qualify as a first-time buyer.
  • If you part-owned a property in the past. If you previously had a shared ownership mortgage or a joint mortgage, you’ll no longer qualify as a first-time buyer.
  • If you owned a residential property overseas. Overseas properties still count when it comes to first-time buyer status.
  • If your co-owner has owned a residential property. With joint mortgages, all applicants have to be first-time buyers in order to qualify for stamp duty relief.
  • If your spouse has owned a residential property. Spouses count as a single buyer in property law. If your spouse isn’t a first-time buyer, you’re not either, even if you’re applying to buy a property in your own name.
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#34

首套房和首次购房者是两个概念，楼主应该是做过功课的。

#35

非常感谢大家的回复，我总结了一下，不知道对不对：
父母的唯一的自住房价值不超过£500K而且没有房贷的情况下可以赠予18岁以上子女，这种情况子女不用付任何税收或费用，遗产税另说，父母也不需要缴CGT（因为是唯一的房产）。当然有个朋友提到的以子女的名义买房也是个好主意，但前提是父母必须住在自己的房里，对想换地方的父母来说恐怕就不行了。

#36

应该是不超过£650K（£325K每人）

#37

那更好了

#38

房子有allowance, 父母加起来1m

#39

房子转移到trust的时候等于你把房子卖给trust。所以你卖房子的钱还是需要付Capital gain的。除非你直接用Trust来买房。父母遗产给子女的话，自己住房有住房的遗产税allowance,父母加起来所有遗产包括房子1m以内不用付遗产税，退休金也不用。保险就复杂一点点，看是不是一起去世的。如果不是一起去世那么先去世那一方先给伴侣，所以也有可能要算遗产税。但是保险可以直接写进trust，那就不用担心遗产税了。

#40

自住房卖给trust不需要付capital gain tax，trust再传给子女又能避免掉遗产税，这才是常规操作！但是trust好像不能贷款，所以还是先努力把自住房贷款还完吧！:rofl: