关于第二套房子stamp duty的省法，大家觉得这个方法可行吗？

我爱我家 买房贷款
#1

刚刚看到有一句这样的话，大家看看。

“A owns both a main residence and a second home. She sells her main residence and purchases a new one. Although she has two properties at the end of the day of the transaction, she has replaced her main residence so the higher rates will not apply.”
Read more at http://www.zoopla.co.uk/discover/buying/q-a-new-3-stamp-duty-surcharges/#yLjVqXZyWHoQ4EjS.99

本人现在有一套房子，想买第二套。 那么我可以买一套便宜一些的房子作为我第二套的main home（价格125k以内），现在的房子到时候出租用途。
第三套就可以买贵些（250-300K），把第二套再买出去，就不用额外支付3％了。对吗？

不要喷我，给给建议。谢谢！

#2

算了一下，可以节省10k，但是会不会很折腾。。。
{:5_134:}

#3

你这第二套不是也得交3%嘛。

#4

楼主的算盘是缴便宜那套的3%来避免后面贵的那套的3%。

#5

这个有个专业名词似乎叫 flipping main residence

#6

银行很难贷款出来

#7

40k以下什么税都不用交。。。哈哈哈

#8

你是指什么贷款？还是现在贷款很严格？

#9

3%的stamp duty surchase对任何价位的房子都征收

#10

Property worth less than £40,000

There is a slightly bizarre exemption under the proposed changes for homes costing less than £40,000.

The Treasury says that while these homes are liable for stamp duty, it doesn’t have to be paid.

The consultation says: ‘Transactions under £40,000 do not require a tax return to be filed with HMRC and are not subject to the higher rates.’

Equally, any residential properties, including a tenancy or lease of a residential property, worth less than £40,000 will not be taken into account when determining if an additional residential property is being purchased.

The Treasury says this has always been the case for any property purchase under £40,000.
看看链接对不对
http://www.thisismoney.co.uk/money/buytolet/article-3394231/Why-concerned-second-home-stamp-duty-reforms.html

#11

你说的是对的。

HMRC网站上说

Is your chargeable consideration less than £40,000?

If the purchase price is less than £40,000, you don’t need to pay SDLT or file a return.

#12

你自住比出租的那套价格低，申请不到buy to let的。

#13

Ltv 比自租房低就可以了吧

#14

主要看各位都费尽力气想避免新政的stamp duty，就开这个帖子集思广益。哈哈

#15

Chinese way is always the best!

离婚 {:5_142:}

#16

这个额外的3%确实让人心疼啊！我也考虑过楼主的想法，但是买第二套房要付律师费啊！再卖出去还要付中介钱，加上搬家干嘛的好麻烦。
如果是couple,觉得可以把第一套房放一个人的名下,第二个人再买第二套，就是贷款额少了些，想买贵些的工资和存款都要高些才行。 咨询过一个mortgage advisor 说是可行，没求证过。

#17

不用离婚吧！放一个人名下就行了

#18

按英国法律没有分别，只能离婚

#19

This so called mortgage advisor either tells you a lie or tells you to lie.

#20

Mortgage advisor 说可以