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Alex会告诉你：用信托买房并没有想象中那么可怕。 如果是可撤销信托： 设立的时候确实需要走一些程序，比如由律师帮你设计和起草信托文件，把房产转到信托名下，并向当地政府相关部门做登记。一般会有几百美元左右的登记成本，整个流程通常在几个礼拜内就可以完成。 一旦成立以后，日常使用上基本不会带来额外麻烦，很多人几乎感觉不到和个人名下持房有什么不同。 如果是不可撤销信托： 成立时的流程本身也并没有复杂太多，但成立以后，它在法律上会被视为一个独立存在的主体，有点像公司、也像一个“独立的人”。这意味着它不能随意终止，也不能想撤就撤。 在税务上，不可撤销信托需要每年单独报税，税率通常和可撤销信托类似，但往往需要会计师协助，会产生一定的维护成本。 另外，不可撤销信托在资产使用上也有明确限制： 资产可以在信托内部做投资调整，但通常不能随意变现或用作个人消费。 大多数情况下也不能解散，只有在少数特定情形下才有可能。但很多家庭在做不可撤销信托时，其实都会提前把传承路径设计进去。比如在传到下一代的时候，通过信托条款的安排，让结构从不可撤销转为可撤销，用于继承和管理目的。 所以，你会考虑吧房子套进信托吗？评论区
2:08
Alex会告诉你：用信托买房并没有想象中那么可怕。 如果是可撤销信托…
5.7K views3 months ago
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