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If they hold the property as joint tenants, their shares must be equal, but if they own as tenants in common, they can own unequal shares.

For parents who don't want to lose control of their money or want to share in the home's potential appreciation, there are other options.

One is buying a home with the child and going on title as a co-owner.

"If you want to get complex, there are different kinds of trusts you can set up to protect the house from creditors, ex-spouses and even minimize estate taxes," Gookin says.

Kathleen Pender is a San Francisco Chronicle columnist.

National Association of Realtors releases pending home sales index ...

more My Sunday column described two ways parents can help their adult children buy a home - giving or lending them all or part of a down payment.

mortgage rates for this week on Thursday, June 5, 2014. mortgage rates for this week on Thursday, June 5, 2014. National Association of Realtors releases pending home sales index for November on Monday, Dec. (AP Photo/LM Otero, File) less FILE - In this Friday, Feb.

22, 2013 file photo, a sale pending announcement sits atop a for sale sign in a home's yard in Richardson, Texas.

"That is pretty popular in the bigger cities like San Francisco and Los Angeles," he says.

National Family charges 5 to structure the note and register it with the proper government authorities.

It also can generate tax benefits for the parent." In a typical equity share, the parents and child both sign the loan and go on the title, either as tenants in common or joint tenants.

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