不動產繼承有狀空!繼承千萬房產 結果「房貸」繳不出來怎麼辦?

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許多人在父母親過世後,順理成章繼承長輩名下房產,若房貸 尚未繳清,此時該如何脫身?30歲的王俊雄,面對年邁老父離世,難過之餘發現父親名下有棟位在台北市價值3000萬的不動產 ,萬萬沒想到房子房貸壓力也一併傳承,月薪僅五萬元的王俊雄,繼承房產就得扛起房貸壓力,他究竟該繼承亦或選擇拋棄繼承呢?

關於長輩房貸債留子孫的難題,律師點出常見的兩大狀況

狀況1:父母房貸還沒繳完就離世,子女如何處理剩餘房貸?

繼承房產是遺產、房貸是債務。恩典法律事務所律師周依潔表示,當繼承人在繼承時若發現債務大於遺產,會主張「拋棄繼承」,換言之,遺產、債務統統放棄繼承之意。但房貸屬於特殊情況,「除非父母有其他債務,否則房貸不會高於房的價值」。

周依潔說,對銀行來說,每月必須收取足額還款金,繼承人需按月繳付,若繼承人因爭產喬不攏、繳不出房貸,銀行會先按程序催繳,再用房子設定抵押權,銀行會進行強制執行拍賣房程序。

因此她建議,繼承人若能力所及,每月一定要繳貸款,多數人面對房產不會辦理拋棄繼承,如果實在繳不出,最好選擇自行出售房產,切莫等到房子進入銀行拍賣程序,拍賣價低於自行出售的市場行情價,如此會是筆不小的損失。

狀況2:父母過世孩子繼承房產,突然冒出3000萬債務,子女該怎麼辦?

王俊雄繼承父親房產1000萬元,繼承當時以為沒有債務,但卻在規定辦理拋棄繼承的3個月後,債主出現,3000萬債務遠大於房產1000萬價值。律師周依潔表示,此時王俊雄可採用限定繼承,限定繼承就是以「所繼承資產為上限償還債務」,為的是可避免父債子還的情形再次發生,保障繼承人權益。

所以這個案例中,面對3000萬債務,王俊雄只需還房產價值的等值金額,也就是1000萬元。

繼承遺產前得留意 先繳清「遺產稅 」

周依潔提醒,繼承房產前還需留意「遺產稅」。她舉例,倘若父母離世後,名下有一房產,子女依法繼承,但在取得前,依法規定須繳一筆遺產稅,「繳完稅房子才能繼承,課稅依公告現值計算」。

若以目前台北市土地公告現值不斷上調來說,2000萬至3000萬不動產,恐需繳超過百萬元稅金,她建議,為避免繼承卡關窘境,父母在做繼承規劃時,可幫子女預留一筆稅源。

父母除了留現金讓子女方便繳稅,不少長輩亦會利用保單,由於「保單」可節稅,要保人離世後,指定受益人可馬上領到保險金;再者,如果父母帳戶有錢,繼承人可先向國稅局申請動用父母存款繳稅,否則一般情況需繳完遺產稅才能動用父母帳戶。

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