藍澄灣業主社群

標題: Queries re mortage interest [打印本頁]

作者: Y and T 時間: 2004-3-11 18:01:47 標題: Queries re mortage interest

Mortage interest can deduce payable tax for 7 years now but is it for first-time house purchase owner? if i have another house (just for 1 year) and has been sold. Can I still enjoy this tax-decution beneit?

Anyone know?

作者: ttchan 時間: 2004-3-11 18:18:40

is it for first -time house purchase owner? not for the hourse which lived by onwer ma? I also want to know....

作者: Ha and Kui 時間: 2004-3-11 18:35:55

If my memory is correct the deduction is for owner of self-use property and non-first-time home owner can also claim the deduction.

作者: Y and T 時間: 2004-3-11 18:39:14

ｉｃ．　ｔｈａｎｋｓ！

作者: ttchan 時間: 2004-3-11 18:39:23

Thanks.Ha&Kui I also think so

作者: diedsee 時間: 2004-3-11 22:15:34

Yes Ha&Kui is correct

For another house (just for 1 year) and has been sold U can enjoy this tax-decution beneit if it is within that assessment of year.

作者: 維也納 時間: 2004-3-11 22:17:58

your "non-first-time" home owner means 政府的首置嗎

作者: Hotcake 時間: 2004-3-11 22:25:32

Now I have two houseswhich house can be used to claim the deduction nei? The scheme is extended two years. Does it mean we can deduce the tax until March 2006 not until march 2011.

作者: diedsee 時間: 2004-3-11 22:38:48

You only can deduct the one that u lived in (place of residence).
You don't need to deduct it for continuous seven years you can deduct in any seven years.

作者: N and M 時間: 2004-3-11 22:47:30

[quote:56c3498af9="Hotcake"]Now I have two houseswhich house can be used to claim the deduction nei? The scheme is extended two years. Does it mean we can deduce the tax until March 2006 not until march 2011.[/quote]

Useful link to IRD about Interest tax deduction claim http://www.ird.gov.hk/chi/faq/hli.htm

You can claim 7 years which has not to be consecutive and need not to be the same property. But it should be your residental one.
In your case it 'd better to claim the one that pay more interest and use it as your residental address :em12: because IRD can reject if it is not for own use.

作者: Hotcake 時間: 2004-3-11 22:58:58

Thanks diedsee...

If i am right the scheme will be expired two years later. So we can only deduct tax two years more???

作者: diedsee 時間: 2004-3-11 23:05:01

如果延長兩年
咁即係總共可以扣減七年既個人入息稅

作者: Hotcake 時間: 2004-3-12 01:00:43

我剛剛問咗人即我們由現時起可申請扣減直至2006年3月止為期兩年.因為這個計劃已經實行咗五年現在只能減兩年.七年的意思是如果你五年前經已買咗樓加埋延長這兩年共可扣減七年.因此對於藍澄灣業主來說實際只有兩年而不是七年啊!

作者: Y and T 時間: 2004-3-12 01:02:25

how to apply for deduction lei? is it just fill in the mortage interest information when we "

ao" Tax?

作者: Hotcake 時間: 2004-3-12 01:07:43

係呀!報稅表內應該有一格比你填供樓利息的...

作者: Y and T 時間: 2004-3-12 01:10:56

thanks hotcake!

作者: Hotcake 時間: 2004-3-12 02:00:58

唔使客氣....

作者: N and M 時間: 2004-3-12 07:10:25

[quote:e029bf7349="Hotcake"]我剛剛問咗人即我們由現時起可申請扣減直至2006年3月止為期兩年.因為這個計劃已經實行咗五年現在只能減兩年.七年的意思是如果你五年前經已買咗樓加埋延長這兩年共可扣減七年.因此對於藍澄灣業主來說實際只有兩年而不是七年啊![/quote]

「5 年享用期」是納稅人所選擇的 5 個課稅年度。該 5 個年度可以是連續或不連續的。舉例說 ﹕ 甲先生於 1998 年11 月 1 日至 1999 年 3 月 31 日期間繳付居所貸款利息 $80000 ，他就 1998/99 課稅年度申索利息扣除。雖然他只申索扣除 5 個月的利息，但是他會被視為已獲容許一個課稅年度的扣除。

Above quote from IRD website. That means you can have 7 financial year deduction for RC if you never claim the deduction before. Also for those have 2nd mortage please noted the follows.

問: 就第二按揭 ﹑ 重新按揭或透支帳戶所繳付的居所貸款利息是否可在計算稅項時獲得扣除？

答: 須考慮的問題是所取得的貸款是否直接用於購買其住宅。舉例說 ﹕

(i) 申索人除了獲得相當於其住宅購入價 70% 的銀行按揭貸款外，再自物業發展商獲取第二按揭貸款，而該發展商已根據《稅務條例》第 26E(9) 條獲得稅務局局長所認可。在此情況下，就該兩筆貸款所繳付的利息均可在計算稅項時獲得扣除，但最高扣除額不可超過 26E(2)(a)(ii) 和 26E(2)(c) 條訂明的上限。

(ii) 如申索人將其物業重新按揭，並將借取的款項用於投資證券，他就該筆重新按揭貸款所繳付的利息不可在計算稅項時獲得扣除。不過，如該筆重新按揭貸款是用作付還原來為購買其住宅而取得的貸款，以便享有較低的利率，則他所繳付的貸款利息可參照原來貸款尚欠的餘數按比例在計算稅項時獲得扣除。

(iii) 如所借取的款項是直接用於購買其住宅，就銀行透支帳戶繳付的居所貸款利息可在計算稅項時獲得扣除。若該透支帳戶有部分用作其他用途，在計算其扣除額時，其所繳付的居所貸款利息須按比例予以減少。

作者: ttchan 時間: 2004-3-12 12:18:40

[quote:cb7dbc61ac="Hotcake"]我剛剛問咗人即我們由現時起可申請扣減直至2006年3月止為期兩年.因為這個計劃已經實行咗五年現在只能減兩年.七年的意思是如果你五年前經已買咗樓加埋延長這兩年共可扣減七年.因此對於藍澄灣業主來說實際只有兩年而不是七年啊![/quote]

my understanding is not like this 7 times of tax reduction you could apply for own self-use property. So if RC is your first property you buy you have 7 times to apply tax reduction.

作者: diedsee 時間: 2004-3-12 12:32:58

[quote:a60eeaccf1="Hotcake"]我剛剛問咗人即我們由現時起可申請扣減直至2006年3月止為期兩年.因為這個計劃已經實行咗五年現在只能減兩年.七年的意思是如果你五年前經已買咗樓加埋延長這兩年共可扣減七年.因此對於藍澄灣業主來說實際只有兩年而不是七年啊![/quote]

唔係咁ga wor...
這個計劃已經實行咗嬤年係冇關係 ga
總之你有五年(改咗就變七年)可以申請

e.g. 你可以今年扣 rc 既供樓利息
然後等到 n 年之後你再買豪宅先扣第二次
再等到 n 年之後你再買豪宅先扣第三..四...次...
直到扣晒!!

作者: 2R 時間: 2004-3-12 12:41:00

[quote:7a1626aae1="Hotcake"]我剛剛問咗人即我們由現時起可申請扣減直至2006年3月止為期兩年.因為這個計劃已經實行咗五年現在只能減兩年.七年的意思是如果你五年前經已買咗樓加埋延長這兩年共可扣減七年.因此對於藍澄灣業主來說實際只有兩年而不是七年啊![/quote]

唔係喎好似係以你買入單位供樓計向稅局可以延長申報7年計. :?: :?:

作者: diedsee 時間: 2004-3-12 12:58:46

[quote:a0035954b0="2R"][quote:a0035954b0="Hotcake"]我剛剛問咗人即我們由現時起可申請扣減直至2006年3月止為期兩年.因為這個計劃已經實行咗五年現在只能減兩年.七年的意思是如果你五年前經已買咗樓加埋延長這兩年共可扣減七年.因此對於藍澄灣業主來說實際只有兩年而不是七年啊![/quote]

唔係喎好似係以你買入單位供樓計向稅局可以延長申報7年計. :?: :?:[/quote]

咁又唔駛"以你買入單位供樓計"
你可以買入單位後第三年先扣第一次.

作者: H and H 時間: 2004-3-12 16:06:54

I know that is the same as diedsee!!!!!!!!!!!

作者: Hotcake 時間: 2004-3-13 01:44:00

Oh!明白了!明白了!多謝咁多位賜教!

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