How to solve the problem of buying a house after being widowed: hot topics and structured guide on the Internet in the past 10 days
In recent years, as the aging of society has intensified and the problem of property inheritance has become increasingly prominent, "buying a house after being widowed" has become a hot topic. This article will combine the hot discussions across the Internet in the past 10 days to provide structured solutions from multiple dimensions such as legal, financial, and emotional.
1. Statistics of relevant hot spots on the entire network in the past 10 days
| platform | Topic popularity | main focus |
|---|---|---|
| 120 million reads | Inheritance and home purchase qualifications | |
| Zhihu | 5800+ discussions | Loan issues for buying a house after being widowed |
| Douyin | The #widowsbuyingtopic topic has 43 million views | Emotional healing and home buying advice |
2. Legal solutions
1.Property rights confirmation: It is necessary to complete the inheritance procedures first and determine the ownership of the property. According to the Civil Code, the spouse is the first-order heir.
| Inheritance order | share ratio |
|---|---|
| spouse | 50% (no other heirs) |
| Spouse + children | Divide the remaining 50% equally |
2.Home purchase qualifications: Policies vary significantly from place to place, so special attention should be paid to the special provisions of purchase restriction policies for singles.
| city | Widow House Purchase Policy |
|---|---|
| Beijing | Limited to 1 set per single purchase |
| Shanghai | Can keep records of family home purchases |
3. Financial processing plan
1.loan problem: The repayment ability needs to be re-evaluated. Most banks require a death certificate and a notarized inheritance certificate.
| bank | Widow Loan Policy |
|---|---|
| ICBC | Loan contract needs to be re-signed |
| China Construction Bank | The original loan contract can be extended |
2.tax benefits: Some areas have tax exemption policies for widowed persons purchasing houses, such as deed tax exemption, etc.
4. Emotional and psychological adjustment
Social media data in the past 10 days show that more than 60% of discussants are concerned about emotional reconstruction. Expert advice:
1. There should be an emotional buffer period of 3-6 months before making a home purchase decision.
2. The location of the new home should consider the social support system (such as being close to children, relatives and friends)
3. Can seek professional psychological counseling services
5. Operation process guide
| steps | time limit | Things to note |
|---|---|---|
| Obtain death certificate | Within 15 days | Need to be issued by the hospital or police station |
| Notarization of inheritance | 1-3 months | All heirs present |
| Change of property rights | 15 working days | Bring the notarial certificate to the Real Estate Registration Center |
6. Expert advice
1. It is recommended to keep the original home within 1 year after being widowed and avoid major financial decisions.
2. Before purchasing a house, a comprehensive financial assessment should be conducted to ensure repayment ability.
3. Consider the "house-for-house" model to reduce financial pressure
According to data from the entire Internet, nearly 70% of widowed people will consider buying a house after 2-3 years. This major financial decision requires comprehensive consideration of legal, financial, emotional and other aspects. Hopefully the structured information provided in this article will help those in need to make rational decisions.
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