How to buy a house in a famous parent -child sharing

Purchasing a house in a famous parent -child shared is the meaning of "paying for" and "sharing the ownership of ownership".

Here, let's take a look at the basic concept of shared housing.

How to divide the division of dividends

When purchasing a house in a shared name, the cost burden is determined by how many shared dividends are obtained.

For example, if the division of a division is "parent: child = 1: 3", a house of 40 million yen will bear 10 million yen and the child will bear 30 million yen.

In the unlikely event that the division of division is different from the cost burden, it is considered that the gift was given and a gift tax may be incurred.

Speaking of the previous example, if the parent: 1: 3, if the parent pays 15 million yen, "a gift from the parent to the child is 5 million yen.It is regarded as "ta".

How to divide land and buildings

If you buy both land and buildings, you can freely decide which one to set.Let's take a look through the specific cases based on the cases mentioned earlier.

Housing purchase cost: 40 million yen

Parents' expenses: 10 million yen

Child's cost: 30 million yen

Falling division = parent 1: Child 3

In this case, both land and buildings can be divided as "1: 3".However, if the overall percentage does not change, there is no problem if the ratio is biased to either land or building.

What I want to consider at this time is the change in real estate prices.

Buildings will decrease over time, while land does not necessarily decrease due to the passage of time, so it would generally be more tax -saving to have children a large ratio of land.I can say.

This is because when parents die in the future and their parents become inherited, the lower the real estate price, the lower the inheritance tax.

Use a mortgage

Parent -child shared name is a method of buying a house, in addition to how to use a mortgage, in addition to how to cover it with your own funds, there is also an option.

When using a mortgage, there are two types of "pair loans" and "relay loans", so it is important to hold down the differences.

Let's take a closer look at the specific mechanism.

親子共有名義で住宅を購入するmerit

The merit of purchasing in the famous parent -child sharing is that the budget for housing purchases expands.By paying for money, the budget increases more than buying alone, so the options are greatly expanded.

The advantage of the parent household is that when borrowing a mortgage, you do not need to consider age restrictions.

In a mortgage review, although the age of borrowing and the age of repayment are important, it does not require restrictions when shared with children.

Therefore, it is one of the effective options for purchasing a two -family house for the purpose of living together.

ペアローンで住宅を購入するmerit・デmerit

As I mentioned earlier, there are two options, a "pair loan" and a "relay loan" contract when purchasing a shared name using a mortgage.

Here, let's take a look at the pair loan contract mechanism and advantages and disadvantages.

Pair loan contract mechanism

A pair loan contract is a method for parents and children to contract separate loans and buy one house with two loans.

It is a loan that can be used not only by parents and children but also for couples, and by purchasing a house with a borrowing amount for two people, it is a mechanism that allows you to expand your budget.

ペアローン契約のmerit

Pair loan contracts have the following benefits:

merit

In a pair loan contract, parents and children repay in parallel, so that the borrowing amount can be increased while the repayment period is shortened.

Also, basically, each other can set an independent loan, so you can set each other freely during interest rates, borrowing, and repayment periods.

For example, it is possible to select, such as "parents set a shorter repayment period," or "Children want to take a long repayment period, so they are stable fixed interest rates."

The appropriate interest rate type and repayment period vary from person to person, so it is a great advantage that you can choose freely.

Furthermore, in the pair loan contract, both can join Danshin, so it is safe in case of emergency.

In a pair loan contract, basically, each needs to be the opponent's joint guarantor, and if either dies or suffers from highly disabled, the other will have a repayment obligation.

However, if you join the Danshin, the remaining debt will be exempted in the event of a problem such as death or highly disabled.

ペアローン契約のデmerit

一方、主なデmeritとしては以下の項目が挙げられます。

デmerit

In a pair loan contract, each other will make a mortgage loan with their own trust, so it may be possible to judge due to the age of the parent.

In many mortgages, in addition to the age of 75 to 80 years old, in addition to the retirement age, it is disadvantageous in terms of income.

In addition, a pair loan contract with two loans doubles the commission and tax related to mortgages.Therefore, it is important to check the conditions and fees of the borrower properly and consider it while comparing.

リレーローンで住宅を購入するmerit・デmerit

続いて、Relay loan contract mechanismとmerit・デmeritについて見ていきましょう。

Relay loan contract mechanism

The relay loan contract is a method of repaying the parent first and touching the child on the way.Unlike pair loans, it is a method of repaying one loan in a relay format, and the repayment period can be set longer than usual.

リレーローン契約のmerit

リレーローン契約のmeritは以下のとおりです。

merit

In the relay loan contract, the parent -child income can be reviewed and the screening can be reviewed, so even if the income is low alone, the upper limit of the borrowing can be expanded.

Also, even if your parents are older, you may be able to pass the screening without any problems because you can take over the repayment to your child.

For example, if your parent is 65 years old, a mortgage, which is 75 years old, can only have a repayment period for 10 years.

However, if the child is under 40, the repayment period of 35 years can be secured without any problems.

Also, if the child is 30 years old, it can be set up in up to 45 years.Therefore, it is possible to secure a sufficient repayment period and reduce the monthly repayment burden.

リレーローン契約のデmerit

一方、デmeritとしては以下のようなことが挙げられます。

デmerit

Unlike a pair loan contract, it is common for a relay loan contract to join the Danshin.In addition, most financial institutions can join only children.

Also, the fact that the child is already having a mortgage, even during the period when parents are repaid.

Therefore, when buying other loans such as automobile loans and educational loans, mortgage repayment obligations have a major impact on screening.

For borrowing other than mortgages, it is important to be careful in advance, as households with high repayments may fall into the examination.

To avoid trouble!Precautions when purchasing in a shared name

When purchasing a house in a shared name, there are more points to be aware of, as the rights relationship is complicated compared to buying alone.

Here, let's divide the main precautions into four.

Register the shared equity at the same rate as the cost burden

As mentioned above, if the cost burden and shared ownership ratio is different, it may be considered a gift.In that case, be careful as the gift tax will be eligible depending on the amount.

In addition, when transferring after purchase between parents and children, the gift tax is also eligible.

However, gift taxes are set up for 1.1 million yen per year and tax exemption and tax reduction systems such as the "inheritance settlement tax system", so it is possible to reduce the tax if you use it well.

The consent of all the co -owners is required at the time of sale

When selling a shared real estate, all the co -owners need the consent.At this time, it is important to note that inheritance accompanying the death of the parent may increase the number of co -operators.

If the owner is close, it is easy to negotiate, but if there are many commoners and each address is far away, the burden of preparation for sale will be extremely large.Therefore, it is important to focus on the possibility of selling at the time of purchase.

Assume changes in life plan, such as transfer of children

When purchasing a house, it is necessary to fully assume the changes in the life plan afterwards.

In particular, in parent -child shared name, it is important to focus on your life after purchasing, as it is easy to change your child's lifestyle due to relocation and other reasons.

Land -only holders cannot receive mortgage deductions

As introduced in the division of the share, from the viewpoint of suppressing inheritance tax, it is more tax -saving to lean on the land equal basis to the child.

しかし、土地のみの名義人は、住宅ローン控除を受けられない点には注意が必要です。住宅ローン控除は節税効果が大きく、利用できなくなってしまうと大きなデmeritとなります。

Therefore, when deciding on a shared name, be aware of the mortgage deduction mechanism.

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