Poor parents in the world, parents always want to give their parents the best, so when buying a house, some parents will also help their children. Some simply bought a house for their children, but at this time, buying a house involves the real estate certificate. Some parents are anxious for their children and write their children's names directly on the real estate certificate, but is this really good? For parents, to write the child's name on the real estate certificate, on the one hand, it is to consider the ownership of the property rights, on the other hand, to consider the problem of being too lazy to transfer the ownership in the future, so directly write the child's name on the real estate certificate. Why do not write the names of children on the real estate certificate? Have you considered these three aspects? It seems good for children, but it is not good.
1. Eligibility to buy a house
Maybe you are out of good intentions, but it is possible to do bad things with good intentions Yes, a friend of the author encountered such a problem. His parents bought a house by themselves a few years ago, and then wrote his name. Later, he got married and wanted to buy a new house, but he did not qualify for the first house. How important is the qualification for the first home? On the one hand, the down payment ratio is very low, basically around 30%, and the loan interest rate is also very low. Many people don’t want this qualification. Some parents have not considered buying their children in the futureFor the housing problem, I bought a house early in the name of the child. In fact, this is a good intention to do bad things. Ask the children's wishes first, then check the local policy trend, and then consider the signature on the real estate certificate.
Second, before marriage and after marriage
There is a big gap between a house and no house before marriage, especially when you buy a house with a loan before marriage and repay the house loan together after marriage.The name of the woman and the man on the birth certificate will be recognized as common property. The woman has a share, after all, the mortgage is paid together. Therefore, it is recommended that when parents buy a house for their children, the children should repay the loan by themselves. Either do not write the name of the child or ask the woman to repay the loan together. After all, the parents help out the down payment, this money still cannot be wasted.
3. Children's preferences
Sometimes, parents buy a house for their children and want to surprise their children, or prepare a house for the children early, and then the children will write the house as an adult. In this case, if the children don’t like this house and they occupy the quota of the first house, the down payment will be higher if they want to buy the second house in the future.
Therefore, when buying a house and writing a name, it is recommended that parents discuss with their children instead of making their own decisions. It seems that for the good of the children, I will lose the quota of the first set inadvertently.
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