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@Manitoba

不可以，如果行的话，早就有人做了。据说免费送也要交税。

jedi_xie(Jedi)
There _is_ a probate fee in certain provinces. In Ontario, depending on the size of the estate, it can reach 1.5% of the value of the estate.

Gifting any property is a disposition. Capital gains tax is triggered to the donor. If the house has always been the parent's principal residence, the property will be exempt of capital gains tax. Regardless, the property will be transferred with an Adjusted Cash Basis equal to the market value on the date of transfer.

If the parents continue to live in the house, the child will not be able to claim the house as principal residence. This has serious tax implications as well in a future sale.

Dying triggers a "deemed disposition" with the same effect as above.

So, if you believe the real estate market is at a low right now, it would be in the child's best interest NOT to receive the property until a later date, when the ACB will be higher, and therefore the capital gain on a future sale of the property will be lower.
(#9482133@0)
Last Updated: 2015-5-29
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Replies, comments and Discussions:

  • 枫下家园 / 钱财税务 / 请教我住８年的房子，想留着将来给孩子，现在又买了一套自住，我要给那个部门去评估我旧房的价格 -maplevaughan(xiahui); 2015-5-27 (#9476624@0) +1
    • 如果是政府的估价，地税单上就有。如果是市场的估计，去找正规搞估价的，给钱。另外，你估价干嘛了？卖给你的小孩？如果是你自己保有两套房子，没啥用啊？如果你申请HELOC，银行会有自己的估价师。 -hong26(枫雪); 2015-5-27 (#9477291@0) +1
      • 谢谢，我当年买的价钱是４０万，现在大盖是７２ 万左右，如过五年以后我卖给孩子或着卖给他人，是４０万以上的增值部分还是７２万以上的增值部分，我要交个人所得碎 -maplevaughan(xiahui); 2015-5-28 (#9479547@0)
        • 不管怎么样，只要你的非自住房卖了，就必须把增值部分交税。增值的算法就是你卖出价减买入价。如果你现在把自住房变更为投资房，好像是需要估个价，以后把这个估价当买入价。这个最后跟税局确认一下。 -jedi_xie(Jedi); 2015-5-28 (#9479914@0)
          • 能按40W卖给孩子吗？半卖半送，两全其美。两三年前我的附近有一房子成交价$1，我猜8成是送给孩子了。 -xes(红翻绿); 2015-5-28 (#9480099@0)
            • 这个没问题吧，将来你孩子当作自住房卖是不交税的，要是也当成投资房要按40万买价计算CAPITAL GAIN -hardaway(CDTH&NBHH); 2015-5-29 (#9481480@0)
              • 当然也可以按４０W 卖给她，那我也不去评估价房价，谢谢 -maplevaughan(xiahui); 2015-5-29 (#9481530@0)
                • 不行，因为是卖给你儿子，税局肯定查。 必须按市场价成交，这里有个手臂长度规定，跟你一个手臂长度内关系的人都不可以通过这种方法做。 -jedi_xie(Jedi); 2015-5-29 (#9482045@0)
                • 另外一个，我记得小孩未够18岁的话，单独做不了户主的 -jedi_xie(Jedi); 2015-5-29 (#9482126@0)
            • 不可以，如果行的话，早就有人做了。据说免费送也要交税。 -jedi_xie(Jedi); 2015-5-29 {989} (#9482133@0)
              There _is_ a probate fee in certain provinces. In Ontario, depending on the size of the estate, it can reach 1.5% of the value of the estate.

              Gifting any property is a disposition. Capital gains tax is triggered to the donor. If the house has always been the parent's principal residence, the property will be exempt of capital gains tax. Regardless, the property will be transferred with an Adjusted Cash Basis equal to the market value on the date of transfer.

              If the parents continue to live in the house, the child will not be able to claim the house as principal residence. This has serious tax implications as well in a future sale.

              Dying triggers a "deemed disposition" with the same effect as above.

              So, if you believe the real estate market is at a low right now, it would be in the child's best interest NOT to receive the property until a later date, when the ACB will be higher, and therefore the capital gain on a future sale of the property will be lower.
            • 详细看看这个网页 -jedi_xie(Jedi); 2015-5-29 (#9482164@0)
              • Are you talking about US? -jameschen6(梦想农庄-神爱世人); 2015-5-29 (#9482211@0)
                • 说的是Canada。网页时美国的，详细解释多种给孩子房子的方法，可以参考。再上面回答里面，copy了一个是加拿大安省的答案。 -jedi_xie(Jedi); 2015-5-29 (#9482255@0)
                  • You are better clear your mind first. Delete all your posts and rewrite them. -jameschen6(梦想农庄-神爱世人); 2015-5-29 {75} (#9482420@0)
                    In Ontario Land Registration Office I saw a lot of properties sold with $1.
              • jameschen6说得对。改看这个网页吧，免得混乱 -jedi_xie(Jedi); 2015-5-29 (#9482310@0)
            • 9成不是给孩子的。应该是配偶间的转让，比如探子把房子转到他老婆名下，然后神情破产。 -eeryv(eeryu); 2015-5-29 (#9482179@0)
    • 第二套房子挂在小孩名下不就行了？如果有第三套，再生一个小孩就是了。 -eeryv(eeryu); 2015-5-29 (#9482159@0)
      • 那探长一定生了不少小孩LOL -vicky2005(孩子她爹); 2015-5-29 (#9482168@0)
        • 探子不干这么老实的事。 -eeryv(eeryu); 2015-5-29 (#9482186@0)
        • 干爹是可以有无数个干女儿的 -jedi_xie(Jedi); 2015-5-29 (#9482188@0)

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