Category: Sharing (2)

first property

在百物叫涨的今天,年轻人想要购置人生的第一所房子,有时真的难如登天,但真的是不可能任务吗?

 

 

其实关键只在于年轻人愿不愿意先苦后甜,调整现有的安逸,暂时「苦行」一段日子,要拥有第一个家就不再只是个梦,但要经得起万事起头难的考验。 针对年轻人开始想规划购买房產,所整理的购屋者经验显示,如果想拥有自己的房子,那请儘早拥有。 该网站的贴文指出,买房子最关键的3件事是储蓄,理财及忍耐。

 

先谈储蓄,买房子的「入门票」是头期,这笔钱可以是每个月的储蓄、年终花红、公积金(但不建议)、父母家人支持,或投资资金转移等。 然而,多数人的头期来自于储蓄,惟对財力有限者,储蓄只適用在头期,而非全额购屋。 重新调整消费习惯 至于理財,就是做好自己的財务信用纪录,如每个月的付款、收入证明及所得税等。如果还在烦恼信用卡怎么还最低限额,这离买屋还很远。 稳定的收入,量力而为是购屋者必须要有的基本条件,因一般买屋分期付款就是30年的事,不还就是拍卖或被列入黑名单。確定在能力范围內能够支付贷款,同时不会严重影响生活品质。

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Owning a comfortable home are top on the most wish list from the people, this largely due to the constant increased house prices for past few years. Price of most houses in the cities has been double or treble since then.

As part of the effort in reducing the speculative activities in the property market, it was proposed under Budget 2014 that the real property gains tax (RPGT) will be revised as table below:

REAL PROPERTY GAINS TAX FOR 2014 Tax Rates
  Personal (citizen & PR) Company
Disposed within 3 years 30% 30%
Disposed in 4th year 20% 20%
Disposed in 5th year 15% 15%
Disposed after 5 years 0% 5%

 

For non-citizen, disposal within 5 years is subject to a flat RPGT of 30%. Disposal after 5 years, RPGT is at 5%.

The RPGT rates increase is applicable to disposal of property taking place on or after 1 January 2014.

 


Property disposed off during the year 2013 will be subject to the RPGT rates as shown at table below:

REAL PROPERTY GAINS TAX FOR 2013 Tax Rates
  Personal (citizen, PR & non-citizen) Company
Disposed within 2 years 15% 15%
Disposed after 2 & up to 5 years 10% 10%
Disposed after 5 years 0% 0%