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Joint Tenancy vs.Tenancy in Common

Written by: Mary-Anne Bowring 02/09/2020
  688       0
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Ownership Structure

  • Joint Tenancy: Each owner holds an equal share in the entire property.
  • Tenancy in Common: Each owner can hold different shares (e.g., 60-40 or 70-30).

Right of Survivorship

  • Joint Tenancy: When one owner dies, their share automatically passes to the surviving owner(s).
  • Tenancy in Common: An owner’s share does not automatically pass to the others—it is inherited according to their will

Transfer of Ownership

  • Joint Tenancy: Owners must agree to sell or transfer ownership together.
  • Tenancy in Common: Owners can sell or transfer their individual share without the consent of the other owners.

Number of Owners

  • Joint Tenancy: Up to four owners can be on the title at the same time.
  • Tenancy in Common: No limit on the number of owners.

Financial Contributions

  • Joint Tenancy: Contributions do not have to be equal, but ownership shares must be equal.
  • Tenancy in Common: Owners can contribute unequal amounts and own shares that reflect their contributions.

Estate Planning & Inheritance

  • Joint Tenancy: Property cannot be left to heirs via a will; it always transfers to the surviving owner(s).
  • Tenancy in Common: Each owner can pass their share to heirs in their will.



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