An effective way to transfer your principal residence with lower taxes

To pass on real estate assets to your heirs, you can opt for property division. In case of donation or inheritance, this approach remains financially and financially beneficial. Decryption!

Divorce in the Context of Donations or Inheritance: A Winning Strategy?

The principle of division of property is no longer a secret. To refresh your memory, It is a legal act that divides the absolute ownership of real estate In two very different parts.

In this case, this is useful and quite proprietary. Obviously, these split rights work differently. To do your descendants a favor, is the best solution Detach your principal residence By giving absolute ownership to your children.

This way you will maintain the use of your accommodation. You can own it or rent it. By choosing the second option, You improve your purchasing power due to the rent collected.

Absolute owners, say your children, won’t be able to live in a broken-down main residence. In turn, they will benefit gift tax Or inheritance more beneficial in the long run.

There is a logical explanation for this: Only the absolute ownership value is maintained while calculating payment rights. In theory, value as a consumer is closely related to your age.

The older you get, the lower the value of ownership.. This will benefit your children in time. From age 51, the absolute ownership value is 40%, then 50% at age 61. It increases from 60% at age 71 to 90% after 91 years.

Other undoubted benefits of partition in case of donation or inheritance

Property division is tax-advantaged for your heirs. This is especially the case in this regardTemporary donations. Especially since you can keep your main residence until the fruit ends.

This way you can generate additional income while guaranteeing the future of your descendants. Note that you can give €100,000 gift tax free Your child every 15 years.

If you are married with two children, You can donate up to €400,000. So your heirs will have no right to pay for long term. Especially since this tax reduction can be applied once or in several installments.

In case of death, the entire ownership of the principal residence will be passed on to your children free of inheritance tax.

Any capital gain generated between the date of donation and the day of death will be 100% tax exemption. Your heirs will later become co-owners of your principal residence. enough to ensure their future.