首套房买投资房但是可以自己住进去吗？

xuan3x

国家党如果真的上抬，所有政策对于投资房来说都是利好的。那么现在首套房先买投资房，然后自己偷偷住进去可以吗？投资房贷款额度还能高，以后利息还能抵税，明线改成2年，怎么看都比自住房强吧？

ronaldlu

十荡十决 发表于 2023-10-3 15:58
啊？我一般听说的都是投资房说成是自住。你这个反过来的还真是第一次听说。这是什么情况啊？啊啊啊啊。 ...

他是逆向思维

xuloli

给楼主点个赞，上一个主动挑战IRD的人底裤都被罚没了

aragornknt

你是不是以为你比税务局聪明？是能玩转金融漏洞的大神？真要这样身价也九位数十位数了，应该不在乎这点抵税。

chrise

十荡十决 发表于 2023-10-3 16:26
原来是这个意思啊。楼主扇思啊。这是非法逃税的行为。抓到可能被罚款，甚至是要坐牢的啊。 ...

差不多就是这个意思，连用基金买再租给自己都可能被视为逃税。 小聪明吃大亏，被IRD盯上，想想就麻烦。

Legally it is possible for you to hold a property in a company or a trust and then rent the property back for you to occupy as your home. However, from a tax perspective, an arrangement where an individual rents a property back from a company they are a shareholder of, or from a trust they are a beneficiary of, is at risk of being regarded as tax avoidance. The IRD have been fairly clear over the years that they regard any tax benefit from such an arrangement as potentially being a tax avoidance scheme.

Interestingly, with ring-fencing of tax losses on residential property about to come in, not only would you face the prospect of tax avoidance, but there would also potentially be no tax benefit for you in doing so, as any tax losses would be ring-fenced.

What about if there were no tax losses and instead a tax profit? You would then have tax to pay, which the IRD are unlikely to have an issue with, but you should have an issue with that as you would then be paying tax for the privilege of living in your own home. Unless there is some other motivation behind your proposal, it seems inadvisable for you to hold a property that is your home via a trust or a company and rent it back.

混乱中...

上台和落实是两码事，政客的嘴骗人的鬼，还是先等政客们心情好了把自己的政治口号落实了再考虑吧，川宝为什么粉丝多是因为第一个位能全部实现竞选承诺的总统。

无色咖啡

可以是可以，你只要证明你还有自住的租房合约就可以了。

xuan3x

十荡十决 发表于 2023-10-3 15:58
啊？我一般听说的都是投资房说成是自住。你这个反过来的还真是第一次听说。这是什么情况啊？啊啊啊啊。 ...

我目前了解的，国家党政策明线改成2年。利息可以抵税。不谈全新房，自住房利息不能抵税，但是投资房利息可以抵税，而且投资房贷款能贷的更多。 所以投资房更划算吧？费用更少？

十荡十决

chrise 发表于 2023-10-3 16:13
你以为IRD是吃素的？ 你咋自己租给自己，退税咋退？

原来是这个意思啊。楼主扇思啊。这是非法逃税的行为。抓到可能被罚款，甚至是要坐牢的啊。

chrise

你以为IRD是吃素的？ 你咋自己租给自己，退税咋退？

十荡十决

啊？我一般听说的都是投资房说成是自住。你这个反过来的还真是第一次听说。这是什么情况啊？啊啊啊啊。