讨论一下当前政策下Buy to Let的可行性!

从stamp duty角度来说,低于市场价卖房子没有任何问题,sdlt是按照交易价来算的。

但从cgt和iht角度说,什么价卖都没有任何区别,计算必须按照市场价算。
http://www.telegraph.co.uk/finance/personalfinance/tax/11880518/Im-buying-my-parents-house-if-they-sell-it-cheaply-will-it-cut-our-tax-bill.html

也不是,当年总价差不多的,我觉得尤其今年明显,按照环数,所持房产向市中心涨幅依次递减

你当税局是2傻呢。你这叫disposal,就是白给,只要不是自住的,都要按照市场价格来计算。
我认识一个英国大白人,他说最近税局让他支付几十千的Cgt。原因是20年前他卖了一套房子,然后他说是自住的房子,获得了税的减免。然后几十年后,税局让他出示当年常住证明,否则就得补税。他自己也说当年其实撒谎了,那套房子不是他自己常住的

谢谢回复

按标题来说不算歪。楼主问的问题主要是租金收入要多交税,所以不看好BTL。我前面给他的答案就是BTL不需要关心这个,因为大头根本不在这里,而是在于房价的上涨。

忽略房价上涨,单纯追求租金回报的在我看起来都是活雷锋 {:5_142:} 尤其是北方一些差区的房子,10年房价不涨反跌,流动性很差,算上通货膨胀房东最后其实就是白忙活了。

成龙大哥说的是房子赠送给儿子,不同的情况
你说的这个是逃CGT, 房子市场价卖掉了, 也收到钱了。假装是自住房。 成龙大哥只收到他儿子1镑钱。 当然不用交税了。 看清楚再发言。 我是税务专家
我说的那个白人Case是指逃过初一逃不过15。 当然跟成立大哥说的不是一回事啦
还有就是卖1英镑,2英镑还是3英镑,你以为税局傻就按照1英镑当卖价来计算税啊。 {:5_135:}

是的。可行的方法是用公司购买,股权转让就好。

Inheritance tax is paid on someone’s estate when they die if it is worth more than £325,000.

A person’s estate includes any money they had in the bank, property they owned, investments they held and their possessions.

Inheritance tax is only payable on any portion of that estate that is above a threshold of £325,000, and is charged at 40%, however this is reduced to 36% if you donate 10% or more of the estate to charity.

如果老爸把贷款20万还了,然后无偿转让给儿子,
这时没有stamp duty,
还需要交capital gain吗?

感觉不管是无偿转让,还是按20万来转让,都是按100-30 = 70万这样来交CGT,是这样吗?

http://www.telegraph.co.uk/finance/personalfinance/tax/11880518/Im-buying-my-parents-house-if-they-sell-it-cheaply-will-it-cut-our-tax-bill.html
You don’t usually need to pay tax on gifts to your husband, wife, civil partner or a charity – but the rules are different for your children and their partners.

The parents will pay full capital gains on the property’s market value, not its sold price, even if they sell property cheaply to their son’s girlfriend.

我觉得也是不可能低价卖子女的吧
这不就是税务上关联企业transfer pricing定价避税一个道理嘛
应该说30万的房子 卖100万
增值70万 正常交cgt
拿到cash giftt给子女首付买其它房子

If a gift is given less than seven years before the death of the ‘giver’, the tax depends on the value of the gift. There are two possible scenarios:

If the gift is worth less than the Inheritance Tax threshold (£325,000), then the value of the gift will be added to the deceased’s estate, with any tax paid by the estate prior to any inheritances being paid out

If the gift is worth more than the Inheritance Tax threshold, then the recipient (or a representative of the deceased’s estate) will have to pay Inheritance Tax on the total value of the gift.

大叔你讲中文

如果都按税务局的规定, 交IHT, CGT, 那BTL最后也就是挣个租金。 还是我说的那句老话,洗洗睡吧, 最后都是税务局的,瞎忙活。

所以说投资商业地产是最有效的投资。

不敢讲。这里都是大牛。就是吧。税务局吧,打过交道。赶脚他们没那么傻啊。自己不是税务专家,不敢发言。倒是认识几个税务师。人家也只是敢说自己是专长某个税务领域,没有人敢说自己什么都懂。

今天终于看到牛人拉。膜拜阿

那按照现在房价首付325kgift 已经不错了
这个数 20年不会变嘛
到时候肯定也会随着房价涨而涨
够首付

改天我把我以前的工作证晒一晒

这就是你忙完了给我好好上的课啊。不过大家都是各有各的道,很多话不能直白的说出来啦,税局有张良计,我们有过墙梯,嘿嘿。

Inheritance tax(IHT)是不是按照转让时的market value deduct gift value这样来计算呢?

如果是的话,把gift value设成125k说不定是best choice,一来可以在stamp duty免的情况下设最大值,二来可以把potential inheritance tax降到最低。这都是假定在老爸可以多活7年的情况下。这个只是管万一,不管一万。

If it’s assumed that the parent would not live more than 7 years and IHT is most likely due, the best choice between the IHT and stmap duty would be a different scenario. As the IHT rate is higher than stamp duty, I thin, but I’m not quite sure, the gift value setting up as the full market value would reduce the total tax charges.

不用啦,你也太较真了。

现在举报一个逃税case,做实了, 提成不少的。 {:5_141:}