How your generosity can lead to a family 破産した／（警察が）手入れする-up

By Lauren Thompson
Updated: 00:39 BST, 23 February 2011

Generous parents who stump up deposits for their children's first home could find themselves locked in a family 論争, 専門家s 警告する.

The 普通の／平均（する） first- time 買い手 needs a deposit of £31,000 for a home? -? the 同等（の） of almost their entire 年次の salary, によれば the 会議 of Mortgage 貸す人s (CML).

With high rents, 抱擁する numbers of 卒業生（する）s 失業した, large student 負債s and low 貯金 率s, it can be １０年間s before first-time 買い手s can afford the hefty 負かす／撃墜する 支払い（額）s needed to afford a home. ?????????????????????????? ????????????????

大きくする ?

ますます, parents are coming to their 救助（する）. New 人物／姿／数字s show 84 pc of first-time 買い手s under 30 received 財政上の help from their family last year? -? more than twice as many as in 2006.

But solicitors say parents wanting to 与える／捧げる can find themselves arguing about 返済s with their child years later? -? or worse still, their money ends up going to their child's partner if the co uple 分裂（する） up.

'Parents often want to make gifts to children, either to 減ずる their 広い地所 for 相続物件 税金 目的s or 簡単に to help with the mortgage,' says Andrew Kidd, a lawyer at Silverman Sherliker.

'However, there are 罠（にかける）s for the unwary and 専門家 advice should be sought to 避ける a 落ちる-out.' If you have

'Parents often want to make gifts to children, either to 減ずる their 広い地所 for 相続物件 税金 目的s or 簡単に to help with the mortgage,' says Andrew Kidd, a lawyer at Silverman Sherliker.

'However, there are 罠（にかける）s for the unwary and 専門家 advice should be sought to 避ける a 落ちる-out.' If you have the money and want to help, there are 決定的な 決定／判定勝ち（する）s to be made.

First, is the cash a 貸付金 or a gift? Mortgage 貸す人s don’t like it if you tell them a deposit is a 貸付金.

This is because the 返済s will be deducted from your child’s 月毎の 去っていく／社交的なs and so 減ずる the 量 they can borrow.

Second, if your child is buying with a partner, what would happen to your child’s 株 of the 公正，普通株主権 if they 分裂（する） up?

It would be galling if your child put 負かす／撃墜する a 25 pc deposit, while their partner 与える／捧げるd nothing, yet when the house was sold the proceeds were 分裂（する） 平等に.

To 避ける this, draw up a ‘宣言 of 信用’ that 明言する／公表するs 正確に／まさに who owns what 株 of the 所有物／資産／財産 in the event of a sale.

‘They and their partner should be 宣言するd tenants in ありふれた under the 条件 of a 信用,’ says Clive Weeks, a solicitor at Withy King in Bath.

‘This 許すs them to 分裂（する） their 公正，普通株主権 however they like, say 70/30.’

Another advantage of a gift is if you live for seven years after 手渡すing over the money, your children will not have to 支払う／賃金 相続物件 税金 on the 量 when you die.

‘Parents can also use a 信用 to put a second 告発（する），告訴（する）／料金 on the child’s 所有物／資産／財産 and 明言する／公表する that when it is sold a 百分率 of the 公正，普通株主権 must go 支援する to them,’ says Mr Weeks.

A solicitor can advise on setting up a 信用, which will cost £125 to £200. Of course, not all parents have a spare £30,000, but there are other ways to help.

The most ありふれた is to 行為／法令／行動する as ‘guarantor’, whereby you 約束 to make mortgage 支払い（額）s if the child becomes unable to do so.

全国的な and Halifax 許す this.

With Lloyds TSB’s Lend A 手渡す 計画／陰謀, children need a 5 pc deposit, but parents must 与える／捧げる a deposit of 20 pc, which is held in a 貯金 account.

Lloyds puts a 告発（する），告訴（する）／料金 on the saving, meaning it can be 回復するd to 支払う／賃金 the child’s mortgage, but it remains in the parents’ 指名する.