爱上海|爱上海同城论坛 |上海后宫阁

 找回密码
 立即注册
搜索
查看: 191|回复: 0

" Housing mortgage interest rates against the buckle a tax "

[复制链接]

197

主题

222

帖子

1047

积分

管理员

Rank: 9Rank: 9Rank: 9

积分
1047
发表于 2018-10-4 18:20:08 | 显示全部楼层 |阅读模式
From October 1st, the personal income tax threshold for wages will be raised from 3,500 yuan to 5,000 yuan, the base of payment will be reduced, and the tax will be reduced.
In the new tax law, in addition to raising the tax threshold to 5,000 yuan, it also increases the special attachment deduction for children's education expenditure, continuing education, major medical care, housing loan interest and housing rent, which is equivalent to a further increase in the tax exemption. .
According to the new tax law, the policy of deducting individual interest on housing loans will be implemented in January next year, but the latest news shows that the scope of this policy can be limited to “ordinary housing loan interest” .
What is an ordinary house?
There are generally three such standards, and there may be slight differences between cities:
First, the plot ratio of the residential building is above 1.0 (inclusive);
Second, the single building area is below 140 square meters (inclusive);
Third, the unit price or the total price does not exceed the maximum limit. For example, Shanghai's standard is limited to the inner ring line is less than 4.5 million yuan / set, the inner and outer loop lines are less than 3.1 million / set, and the outer ring line is less than 2.3 million / set.
The above three points must be met at the same time to be ordinary residences . Conversely, if one of the above three items exceeds the standard, it will be regarded as a non-ordinary housing.
For example, like a high-end villa community, the floor area ratio is low, and the area is generally over 200 square meters, so it does not meet the scope of “ordinary housing”; in addition, due to rising house prices in recent years, many people may be subject to Article 3 “Houses”. The standard of the price is stuck, and the deduction policy cannot be enjoyed.
What is the “loan interest tax credit”?
We all know that the ordinary people's wages are deducted from the five insurances and one gold. This is the amount of tax payment. For example, if you enter 9000 monthly, you will not actually pay taxes according to 9000. Instead, you must deduct five insurance and one gold (assuming you deduct 2,000 yuan). ), then it is taxed according to the deduction of 7,000 yuan.
However, the new tax will add a total of six special additional deductions for children's education, continuing education, major medical care, ordinary housing loan interest, housing rent, and maintenance of the elderly. Among them, housing loan interest and housing rents are the most affected.

[size=0.19]How much can the "loan interest tax credit" save?
[size=0.19]

[size=0.19]Housing mortgage interest does not refer to monthly monthly payments, but refers to interest. Although the principal portion of the mortgage cannot be deducted, the interest

[size=0.19] is also very substantial.

[size=0.19]Since ordinary housing can enjoy the policy of deducting mortgage tax on mortgage interest, how is it deducted? How much can you save by deducting?


[size=0.19]Assume that Mr. Zhou deducts five insurance and one gold monthly income of 20,000, and the monthly mortgage of 10,000 yuan. Before the tax is deducted, the salary is

[size=0.19]6,880 yuan, and the amount of money after the deduction is 9,255 yuan, more than once a month. More than 2000 yuan.








641 (1).jpg
641.jpg
回复

使用道具 举报

发表回复

您需要登录后才可以回帖 登录 | 立即注册

本版积分规则

快速回复 返回顶部 返回列表