自己节省税务跟增加CPF 利息的方法

XIAOTEE

LZ大人，

如果你有房子作为投资，可以利用ＬＯＡＮ　ＩＮＴＥＲＥＳＴ来扣税，大大小小的ＲＥＰＡＩＲ也可以扣税，所以要记得收ＲＥＣＥＩＰＴ．

上网提交的要去那里扣呢？

u0508950

XIAOTEE 发表于 28-3-2013 01:31 PM
LZ大人，

如果你有房子作为投资，可以利用ＬＯＡＮ　ＩＮＴＥＲＥＳＴ来扣税，大大小小的ＲＥＰＡＩＲ也 ...

你的RENTAL INCOME 要报税的，RECEIPT只有他们要审查的时候才交，没有审查就不用。他们会写信跟你要。

XIAOTEE

u0508950 发表于 28-3-2013 01:33 PM
你的RENTAL INCOME 要报税的，RECEIPT只有他们要审查的时候才交，没有审查就不用。他们会写信跟你要。

哦。。。自己住的HDB就不可以是吗？

u0508950

XIAOTEE 发表于 28-3-2013 01:52 PM
哦。。。自己住的HDB就不可以是吗？

自己住的不可以，只有整间出租才可以扣。

更新： 如果 你出租一间房间，而组屋有三间房，可以除三

XIAOTEE

u0508950 发表于 28-3-2013 01:56 PM
自己住的不可以，只有整间出租才可以扣。

okok, 了解了， 谢谢大大~

ross.chang

u0508950 发表于 28-3-2013 01:56 PM
自己住的不可以，只有整间出租才可以扣。

顶... 本来还挺高兴的,以为可以再扣些... 原来还是个吉...

u0508950

ross.chang 发表于 28-3-2013 03:15 PM
顶... 本来还挺高兴的,以为可以再扣些... 原来还是个吉...

是这样的咯，新加坡政府的政策很少漏的。

u0508950

ross.chang 发表于 28-3-2013 03:15 PM
顶... 本来还挺高兴的,以为可以再扣些... 原来还是个吉...

是这样的咯，新加坡政府的政策很少漏洞的

binson

XIAOTEE 发表于 28-3-2013 01:52 PM
哦。。。自己住的HDB就不可以是吗？

自己住的若你是出租房间,而那repair是关于出租的房间的就可以扣...property tax也可以扣.

rental income可以用银行贷款利息来扣,出租房间时的经纪费也可以扣...

Rent from Property
Enter the gross rent (inclusive of rental of furniture and
fittings, service charges received, rental of rooms) and
allowable expenses incurred, e.g. property tax,
mortgage interest, fire insurance, repairs and
maintenance.
1. Subletting
If you rent out part of your property (for e.g. 1
room), please apportion the claimable expenses
incurred based on the number of rooms rented out.
2. Reporting of gross rental income
Gross rental income includes:
(i) Rental of premises; and
(ii) Rental of furniture and fittings; and
(iii) Maintenance and other fees paid by your tenant
as per your tenancy agreement.
(iv)
3. Property tax
You may claim property tax as shown in your
property tax bill. If your property was vacant for any
period in the previous year, please apportion your
property tax amount to exclude the vacancy period.
E.g. Property tax = $1,200
Vacancy period = 4 months
Property tax to be claimed = $1,200 x 8/12
= $800
4. Mortgage interest
You may claim interest paid on the loan taken to
purchase the property which is rented out.
Do not claim:
(i) The monthly repayments of the loan
(ii) Penalty imposed by banks for late repayment of
loans
YA 2013 Quick Guide for e-Filers
5. Repairs
You may claim repairs done to restore the property to its original state.
The repairs done should not result in improvements/additions/alteration to the property.
6. Commission
You may claim:
(a) agent's commission, advertising, legal expenses and stamp duties for:
(i) getting subsequent tenants; or
(ii) getting the first tenant of a subsequent property
(b) Cost incurred in renewing a lease or changing a tenant
Do not claim agent's commission, advertising, legal expenses and stamp duties for getting the first tenant.
7. Share of property The rental income is taxed on all the owners based on their share in the property. It does not matter which party receives the rent or whether the owners paid for the property. Please declare your share of rental income based on legal ownership of the property (e.g. 33.33%, 50% 100% etc.) 8. Vacant property Do not claim expenses incurred outside the period of tenancy or incurred before the date when your property was first let out.
Royalty
Income received from the right to use
copyrights, patents, trademarks etc.
Declare royalties

u0508950

ross.chang 发表于 28-3-2013 03:15 PM
顶... 本来还挺高兴的,以为可以再扣些... 原来还是个吉...

我更新了，可以扣哦。不过要除

binson

请问大大cpf最多扣多少啊?

若我top up 5000进去,5000都进OA?

那么几年后我用这些钱买屋可以吗?

u0508950

binson 发表于 28-3-2013 09:30 PM
请问大大cpf最多扣多少啊?

若我top up 5000进去,5000都进OA?

Using Cash
Contribute to my / my recipient's Retirement Account via internet banking using e-cashier
Contribute to my / my recipient's Special Account via internet banking using e-cashier
Contribute to my Medisave Account via internet banking using e-cashier | cheque #
Contribute to my CPF Accounts via internet banking using e-cashier | cheque #
Building Up My / My Recipient's CPF savings

不可以只TOP UP OA, TOP UP3个ACCOUNT不可以扣税. 只有TOP Up SPECIAL ACCOUNT UNDER MINIMUM SUM SCHEME才可以扣税,可以扣7 千(就是1 跟2 可以)

请参考这个
http://www.iras.gov.sg/irashome/page04.aspx?id=196

这个是LIFE INSURANCE 的RELIEF.
http://www.iras.gov.sg/irashome/page.aspx?id=9902

AnM

u0508950 发表于 28-3-2013 10:47 AM
如果很多东西加起来就比较可观了。

是有上线。 没记错是5000新币。

AnM

Loveshino 发表于 28-3-2013 01:11 PM
马来西亚的任何保险都可以吗？
限定缴税的人，不包括孩子老婆？

好像是人寿保而已。医疗卡好像不行。 你们还是去问问。

Foojee

binson 发表于 28-3-2013 09:30 PM
请问大大cpf最多扣多少啊?

若我top up 5000进去,5000都进OA?

怎么可能让你左手进钱兼扣税，又转个圈右手出？

binson

Foojee 发表于 29-3-2013 03:02 PM
怎么可能让你左手进钱兼扣税，又转个圈右手出？

果然没有漏洞...

binson

AnM 发表于 29-3-2013 12:31 AM
好像是人寿保而已。医疗卡好像不行。 你们还是去问问。

对,医药卡是不能扣税的,只有人寿保险才能扣税,那些投资的保险也是不能...

u0508950

binson 发表于 29-3-2013 03:09 PM
对,医药卡是不能扣税的,只有人寿保险才能扣税,那些投资的保险也是不能...

如果再来一次金融风暴, 股市,房市一起崩盘, 就比较多人肯TOP UP了.

blu3reds

AnM 发表于 27-3-2013 12:32 PM
马来西亚买的保险可以在新加坡扣税。

此话当真？我以为只是新加坡的而已

u0508950

blu3reds 发表于 30-3-2013 12:29 AM
此话当真？我以为只是新加坡的而已

You may claim for this relief if you satisfy ALL the following conditions:

- You paid insurance premiums on your own life assurance policies or on insurance bought on the life of your wife where you are the policy holder; and

- The insurance company must have an office or branch in Singapore for policies taken on or after 10 Aug 1973.

This relief is also applicable to life insurance policies bought overseas provided that all the above conditions are satisfied. No relief will be given for insurance premiums paid on medical and investment policies, children's life assurance policies and insurance premiums paid by a married woman on her husband's life assurance policies.

You may contact your insurance company to find out whether it has a branch or an office in Singapore.

希望可以帮到你：

Life Insurance Relief

Maximum of $5,000 capped at the lower of: a. Insurance premiums paid in the preceding year; or b. 7% of capital sum assured on death