자녀에게 집 물려줄 때…'절세 팁'
사진=게티이미지뱅크안녕하세요, 부동산 전문 이상웅 세무사입니다. 이번 소득세법시행령 개정을 통하여 2022년 5월10일부터 1년간 한시적으로 조정대상지역 다주택자라고 하더라도 양도소득세 중과세를 면제해주고 있습니다. 자녀 등 가족에게 부동산을 증여할 계획이라면 부담부증여가 더 유리할 수 있지만, 그동안 다주택자들은 채무승계부분에 대한 양도소득세가 중과되어 오히려 단순 증여보다 더 불리했습니다.하지만 중과유예기간동안 채무승계에 대한 양도소득세가 6~45%의 기본세율이 적용되므로 일반증여보다 더 유리할 수 있습니다. 중과유예기간을 통하여 부담부증여를 하는 경우 다른 방법과 비교하여 절세효과가 어느 정도 발생할 수 있는지, 왜 중과유예기간 내에 부담부증여를 진행해야 하는지 사례를 통하여 자세하게 알아보겠습니다.주택을 보유한 부모가 자녀 또는 가족에게 재산을 이전하는 방식은 △제 3자에게 주택 양도 후 대금을 자녀에게 증여해 자녀가 새로운 주택을 취득 △부모가 자녀에게 주택을 증여 △자녀에게 전세보증금 등 채무 승계, 주택 부담부 증여 등을 생각해볼 수 있습니다.대표적인 3가지 사례를 통해 세액을 비교해보겠습니다. 세액계산은 모든 구체적인 상황을 가정할 수 없으므로, 큰 틀의 비교를 위해 장기보유특별공제, 기본공제, 신고세액공제 등의 크지 않은 부분들은 생략하여 계산하였으며 대상이 되는 주택의 면적 등에 따라 세액은 달라질 수 있습니다.[사례]부모님은 다주택자, 자녀는 무주택자로서 별도세대를 구성하고 있음1. 양도가(시세) : 10억원2. 취득가 : 3억원3. 전세보증금 : 6억원4. 주택 공시가격 : 7억원첫 번째 방법은부모가 제3자에게 주택을 양도 후 대금을 자녀에게 증여하여 자녀 새로운 주택을 취득하는 겁니다. 이러한 경우 조정대상지역의 다주택자는 원칙적으로 기본 양도소득세율 6~45%에 20%(30%)의 세율이 중과됩니다. 2억8500만원이 발생하는 겁니다. 다만, 중과유예기간 내에 양도하는 경우 기본 양도소득세율이 적용됩니다. 부모가 10억원에 주택을 양도하고 전세보증금 6억원을 상환하고 남은 4억원을 자녀에게 증여하는 경우 자녀에게는 현금 수증에 대한 증여세가 부과됩니다. 증여세는 6000만원이 됩니다.10억원의 주택을 증여 및 부담부증여하는 상황과 비교하기 위해 무주택자인 자녀가 증여받은 4억원과 전세 6억원이 체결된 주택을 갭투자 하는 경우, 매매가액 10억원에 대하여 1~3%의 기본취득세율이 적용됩니다. 이렇게 취득세 3500만원까지 합하게 되면 총 3억8000만원의 세금을 부담하게 됩니다.부모가 제3자에게 주택을 양도 후 대금을 자녀에게 증여하여 자녀 새로운 주택을 취득하는 경우의 발생 세금 style= border: none; max-width: 100%; class= fr-fic fr-dii data-fr-old-src= 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><표>부모가 제3자에게 주택을 양도 후 대금을 자녀에게 증여하여 자녀 새로운 주택을 취득하는 경우의 발생 세금두 번째는부모가 자녀에게 주택을 단순 증여하는 경우입니다. 이 방법의 가장 큰 장점은 양도소득세는 발생되지 않는다는 점입니다. 전세보증금 등의 채무가 설정된 주택을 단순 증여할 때에 입니다. 다만, 증여 후 기존 부동산의 채무는 증여자인 부모가 상환해야 합니다.채무를 승계하지 않는 단순 증여의 경우 주택의 시가인10억원에 대해 부동산 수증에 따른 증여세가 부과됩니다. 해당 증여세는 2억2000만원입니다. 이때 직계비속이 증여 받는 재산은 10년간 5000만원이 공제됩니다.조정대상지역내 공시가격이 3억원이 넘는 주택을 다주택자인 부모가 자녀에게 증여하는 경우 주택 공시가격에 대하여 12%의 중과 취득세율이 적용됩니다. 위의 사례로 보면 취득세는 9000만원입니다. 따라서 총 세금은 3억1000만원을 내게 됩니다.부모가 자녀에게 주택을 단순 증여하는 경우의 발생 세금 style= border: none; max-width: 100%; class= fr-fic fr-dii data-fr-old-src= 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><표>부모가 자녀에게 주택을 단순 증여하는 경우의 발생 세금세번째 방법은부모가 자녀에게 전세보증금 등의 채무를 승계해 주택을 부담부증여하는 경우입니다. 우선 전세보증금 등의 채무를 승계하는 부담부증여의 경우 승계하는 채무 부분에 대하여 양도소득세가 발생됩니다. 중과유예기간을 활용한다면 다주택자라고 하더라도 해당 양도소득세에 대해 일반세율을 적용받습니다. 낮은 세부담을 지고 부의 이전을 할 수 있다는 얘깁니다.부모가 10억원의 주택과 6억원의 채무를 승계하는 경우 차액 4억원에 대하여 자녀에게 증여세가 부과됩니다. 이때 직계비속이 증여 받는 재산은 10년간 5000만원이 공제됩니다. 이후 승계한 6억원의 전세보증금은 자녀가 상환해야 합니다.취득세는 어떨까요. 부담부증여의 경우 공시가를 기준으로 하여 채무승계부분에 대한 취득세율과 나머지 부분에 대한 취득세율이 달리 적용됩니다.우선채무승계부분입니다. 채무승계부분은 매매를 원인으로 한 것으로 보아 매매에 대한 취득세율이 적용됩니다. 매매를 원인으로한 취득세율은 수증자의 주택 수를 기준으로 산정하며, 무주택자의 경우 채무승계액에 대하여 1~3% 기본취득세율이 적용됩니다.공시가격에서 채무승계부분은 다소 다릅니다. 공시가격에서 채무승계부분을 공제한 금액에 대해서는 증여를 원인으로한 취득세율이 적용되며, 증여자의 주택 수를 기준으로 산정합니다. 증여자가 다주택자인 경우 해당 금액에 대하여 12%의 중과취득세율이 적용됩니다.부모가 자녀에게 전세보증금 등의 채무를 승계해 주택을 부담부증여 경우의 세금 style= border: none; max-width: 100%; class= fr-fic fr-dii data-fr-old-src= 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><표>부모가 자녀에게 전세보증금 등의 채무를 승계해 주택을 부담부증여 경우의 세금그렇다면 세번째 방법을 통해감정평가를 9억원으로 받아 진행하는 경우를 살펴 보겠습니다. 이는 증여 주택의 상황에 따라 감정평가액은 달라지지만, 세법에서 허용하는 범위내에서 유리한 감정평가액을 받는 경우 받지 않는 경우와 비교해 세액을 절세할 수 있습니다. 총 세액을 따져보면 2억500만원가량이 됩니다.증여 주택의 상황에 따라 감정평가액은 달라지지만, 세법에서 허용하는 범위내에서 유리한 감정평가액을 받는 경우 받지 않는 경우와 비교하여 세액을 절세할 수 있습니다.위에서 살펴본 방법들을 비교 정리하면 다음과 같습니다.결론적으로중과유예기간을 활용해 부담부증여가 유리하다고 할 수 있습니다. 우선 양도소득세의 경우, 부동산 증여를 계획하고 있다면 부담부증여를 활용해 절세를 할 수 있습니다. 다주택자의 경우 부담부증여가 오히려 불리해 진행이 어려웠습니다. 하지만 이번 중과유예기간을 활용한다면 절세효과를 누릴 수 있게 됐습니다.다음으로증여세와 증여재산가액의 측면에서입니다. 증여하는 부동산의 평가액은 크게 '시가'와 보충적평가방법인 '기준시가'로 나뉩니다. 아파트 등 부동산을 증여하는 경우 상속세 및 증여세법상 시가로 인정되는 금액을 우선 적용하게 되고, 해당 시가가 없는 경우 기준시가를 적용하여 증여재산을 평가합니다. 아파트 및 세대가 많은 다세대주택은 통상 시가를 기준으로 증여재산가액을 평가합니다.시가는상증세법에서 시가란 불특정 다수인 사이에 자유롭게 거래되는 가액이며 수용·경매·감정가액을 포함합니다. 증여 물건과 유사한 물건이 최근 거래된 가격이 있다면 유사매매사례가 로서 시가로 평가하게 되며, 임의로 감정평가를 받는 경우 '감정평가액'을 시가로 인정받게 됩니다.유사매매사례가공동주택의 유사매매사례가란 상속세및증여세법 시행규칙 제 15조에서 규정하고 있습니다.1. 평가대상 주택과 동일한 공동주택단지 내에 있을 것2. 평가대상 주택과 주거전용면적의 차이가 평가대상 주택의 주거전용면적의 100분의 5 이내일 것3. 평가대상 주택과 공동주택가격의 차이가 평가대상 주택의 공동주택가격의 100분의 5 이내일 것따라서 최근 보합세 또는 하락하고 있는 물건이라면 이후 다시 시세가 상승하기 전에 유리한 가액으로 증여를 진행할 수 있으며, 감정평가액 역시 최근 시세 추이를 반영하여 보다 낮은 가액으로 산정할 수 있습니다.부동산을 증여하는 경우 증여받는 수증자는 다음의 취득세를 내야 합니다. 다만, 증여자가 1세대 1주택자이면서 배우자 또는 직계존비속에게 증여한다면 취득세가 중과되지 않습니다.취득세가 개정된다는 점에서도 부담부증여가 유리한 이유입니다. 현재 취득세는 시가가 아닌 '공동주택가격'을 기준으로 과세하고 있습니다. 공동주택가격은 현재 평균적으로 시가의 70% 정도로 형성되어 있지만, 2023년부터는 부동산 증여나 상속에 따른 취득세는 '공동주택가격'이 아닌 '시가'를 기준으로 취득세를 과세하도록 개정될 예정입니다.[사례]1. 1세대 1주택자가 시가 15억, 공동주택가격 10억의 아파트를 자녀에게 증여하는 경우(1) 2022년 기준 발생 취득세 : 40,000,000원(2) 2023년 기준 발생 취득세 : 60,000,000원2. 다주택자가 시가 15억, 공동주택가격 10억의 아파트를 자녀에게 증여하는 경우(1) 2022년 기준 발생 취득세 : 134,000,000원(2) 2023년 기준 발생 취득세 : 201,000,000원따라서 2023년 이후 증여분부터는 취득세의 부담이 크게 늘어나게 됩니다. 부담부증여시 발생되는 세금은 주택의 면적, 증여자 및 수증자의 주택 수, 부동산의 종류, 최근 거래가액의 형성 여부, 수증자의 담세력 등의 구체적인 내용에 따라 상황별로 세금이 달라지므로 전문가와 상담을 통하여 각자의 상황에 따라 절세할 수 있는 방안을 모색하는 것을 추천드립니다. 이상 부동산 전문 세무사 이상웅입니다.