求信息

清晨好

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2009-12-18
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我是单亲家庭,有一个已成年工作未婚的孩子。我在考虑我的房子今后的所属时,不知道以下两种方法哪种更好:

1, 留下遗嘱。
2,现在就把孩子的名字和我一起放入房产下,作为共同的owner. 然后在孩子结婚前,让他去做一个婚前财产公证,以保房产仍只属于我们俩。

我不太懂加拿大和安省的具体法规,也不知选择任何一种会在操作上和利益上带来什么影响。请各位有经历有专业的同胞帮忙了。

在此先谢谢各位。
 
leave the house in the will. Never put your kids name on it.

If you put your kids name on it , if he is in finanial trouble, bank could go after this house since he own half of it.
He is still young, you would never know what would happen to him later. For him and for you, don't do that.
 
房产做礼物还是留为遗产有讲究的。之前我听电台里有讨论的,提到遗产税问题,确实要考虑周全。
 
There is no inheritance tax in canada. But goverment would tax the capital gain tax upon your death. The principle resident (the house you lived in) is exempted from this tax. So this mother could leave her house to her son without any tax.

The reason you should never put your kid on you principle resident.
1) If they are in bankruptcy , the bank can't get your house.
2) If they divorce, their ex-spouse couldn't get your house.
3) If they get sued(like injure someone in a car accident), they wouldn't get your house
4) Besause you keep your house safe when your kid in trouble, They still have a house to move back in.
 
电台里讨论的另一个话题就是接收地产者的收入税问题,楼上也一并分析一下分别什么缴税状况?
 
这个似乎没有那么简单。听说过有老外接受遗产,交纳不起税,最后变卖掉。
 
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