Buy to let 的房子怎么避税?

想买一套buy to let 的房子出租,但是听说政府要收取房租的20%作为房租税。这样一算,再加上额外3%的印花税,那感觉就没什么意思了。是不是我理解错了,政府收取的是利润的20%?比如,一个月收房租1000镑,Mortgage月供800镑, 那政府是收1000镑的20%也就是200镑,还是收取(1000-800)x20%=40镑?我的理解是前者,也就是收取200镑。如果是这样的话,不知道有没有什么避税的办法,各位房主是怎么避税的?可不可以这样,比如租给三个房客,每个房客一个月350镑的租金,那只跟政府报说这个房子的租金是350镑?这样政府每个月就只拿走350x20%=70镑。这样可行吗?

Yes. The income you receive as rent is taxable. You need to declare any rent you receive as part of your Self Assessment tax return. The tax on your income is then charged in accordance with your income tax banding (20% for basic rate taxpayers, 40% for higher rate, and 45% for additional rate).

However, you can minimise the tax you have to pay by deducting certain ‘allowable expenses’ from your taxable rental income.

Allowable expenses include:

• Interest on buy to let mortgages and other finance charges (but see below)
• Council tax, insurance, ground rents etc
• Property repairs and maintenance – however large improvements such as extensions etc will not be income tax deductible. They will be added to the cost of the property when it is sold and be deductible against any capital gain.
• Legal, management and other professional fees such as letting agency fees.
• Other property expenses including buildings insurance premiums

New rules for tax relief on interest payments are being phased in over 4 years from April 2017. The aim is to only give basic rate tax relief from April 2020, i.e 20%. See our examples overleaf for basic and higher rate tax payers.
An example of how the new rules could affect you

• House is bought for £300,000
• 80% mortgage is taken for £240,000
• Mortgage interest assumed at 4.5% annual mortgage interest is £10,800
• Rental yield is assumed at 5%, annual rent is £15,000

上面的这个政策今年已经改了,mortgage的部分不再能免税

今年还是可以免一部分的,利息部分,不懂别乱说。还有各种开销都可以算进去的

那就是说要交房租的20%给政府?比如,一个月1000镑的租金,各种费用累计一个月200镑,那要交给政府(1000-200)x20%=160镑,是这样吗?能跟政府虚报租金吗?比如租给三个房客,每人每月350镑,但是报给政府只报一个或者两个?

收现金,谁知道

only 75% tax relief if you are higher tax payer. 100% if you are basic tax payer.

收入1100,费用100,利润1000,房贷利息部分400。

如果你的income税率是20%,那你需要交的税是100020% - 40020% = 120。

如果你的income税率是40%,那你需要交的税是
今年 100040% - 40075%40% - 40025%20% = 260
每年增加,三年以后,1000
40% - 400*20% = 320

楼主问的是避税,你说的是逃税。

谢谢各位回复。经过大家的讲解,小弟明白了,心里有底了。尽管不是buy to let 的好时候,小弟还是想出手试一试了。

楼主想的也是逃税
收三份350的租金,报一份或两份。。。

其实反正逃税,不如全不报,HMRC又不傻,一个三房租350一个月

政府也不傻,全不报政府会查吧?比如有几个人住在这个house里应该很容易查,查出来那麻烦不大了吗?

租出去的面积百分比?

你这报的少,不是邀请政府来查嘛。

我个人认为,如果hmrc 没有要求楼主做self assessment 楼主不要考虑这些税务问题。

如果楼主没有贷款,房子就转家里没收入的人名字,比如父母,或者低收入的家人。

请问一下,房子换到收入低的人名下操作起来麻烦吗?费用大概多少?谢谢

出租房子,每年毛收入超过10k或者净利润超过2k,都必须做tax return,不到这个数目不需要做tax return,但需要和hmrc联系通过调整tax code来交税。收入低不需要交税,不等于不需要申报啊。 {:5_142:}

龙哥说过自己diy 就可以申请改,不用找律师。 有贷款估计要银行同意。

我爸妈没有NI 没法交税

照龙哥这么说,不能不申报,但又不能报得太少,那就只能如实申报了?或者只能少报一点点,比如三居室,实租1000镑,但跟政府说只租出两个房间700镑?这样政府总不至于去查了吧。