Faced with the fact that the property tax is getting closer and closer to us, many citizens with more than two suites are worried about whether to pay the property tax and whether the property tax will have any impact on the lives of local residents. However, some experts said that the property tax has no impact on residents with two or less sets, but has limited impact on residents with more than two sets, because Chongqing and Shanghai have been collecting property taxes and have not seen how much pressure the local people have on the property tax.
In fact, if the property tax is levied in Chongqing and Shanghai, it will not have much impact on people with multiple properties: First, the Chongqing version of the property tax only taxes the stock of high-end villas, and people who can afford high-end villas don't care about the property tax. The Shanghai version of the property tax is for newly purchased properties, and the excess of the combined area of two suites exceeding 180 square meters is taxed at the rate of 30%. Such a property tax is too "gentle" to achieve the expected purpose.
Second, both the Shanghai version and the Chongqing version have low tax base and tax rate, and the tax rate in Shanghai is only 0.6%. If your two houses add up to 250 square meters, then subtract 180 square meters, leaving only 70 square meters to pay property tax, and the tax rate is only 0.6%. The property tax is only a few thousand yuan a year. At the same time, the tax rate levied on people who own more than three properties is not progressive. For those who hoard property, property tax has no effect.
If we follow the Shanghai and Chongqing versions of the property tax, it will have little impact on people with multiple properties, and it will also have very limited help to local government tax collection. We estimate that the future property tax will be improved on the basis of Shanghai, Chongqing and other property tax pilot cities. The influence of residents with second suites will not be too great, but the property tax rate of families with more than three suites may be gradually raised, and the national version of property tax will not be as mild as Chongqing and Shanghai. Otherwise, even if the property tax is promoted throughout the country, it will not achieve the purpose of levying this tax at the beginning.
First of all, property tax is an important part of building a long-term mechanism for real estate. The role of property tax in the long-term mechanism is to regulate the healthy and sustainable development of real estate, so the property tax must increase the cost of hoarding real estate in the real estate holding link. Otherwise, if the property tax is still collected innocently, the long-term mechanism of real estate will not be perfect. Real estate can still be copied by speculation, and the limited resources of real estate cannot be allocated in the most reasonable way.
Furthermore, property tax is a local tax. Mainly to increase the fiscal revenue of local governments and narrow the gap between the rich and the poor. 1994 since the tax-sharing reform, most of the local taxes have been turned over to the central government, resulting in a "mismatch between responsibilities and rights." In order to prevent local governments from making ends meet, a debt crisis occurred. As a result, land finance is ready to come out, and now land finance accounts for more than 40% to 50% of local government revenue.
At present, local governments can only rely on land revenue. However, with the cooling of the real estate market, the land revenue has gradually declined. In the future, we will replace land finance with property tax to support the balance of local government expenditure. If the property tax is too moderate for families with more than one suite, it can neither make up for the gap in land finance nor narrow the gap between the rich and the poor in society. Setting property tax can't achieve its original intention.
Finally, whether real estate tax can suppress housing prices has been controversial. We believe that when the house price rises, the property tax will not suppress the house price, but will let the landlord pass the tax burden on to the buyers. However, in the real estate adjustment cycle, the introduction of property tax can increase the cost of real estate speculators in the housing ownership link, and there will definitely be greater pressure for those who hold three or more houses.
According to related reports, real estate tax is also a hot topic and expectation of local governments. Earlier authoritative disclosure showed that real estate tax should be implemented in accordance with the principle of "legislation first, full authorization and step-by-step implementation". However, no matter when the property tax is introduced, its major functions will always be realized. For example, adjust the stability of real estate resources, narrow the gap between the rich and the poor, increase local income and curb real estate speculation. For families with two or less properties, don't worry too much. Property tax is almost none of your business.
When the property tax comes out, it should be more than three sets of aunts and grandmothers.
First, there will be no property tax in 2020.
Property tax is raised from about 20 10. Every year, the two sessions or the stalls of the property market regulation will come up with things. So, it's almost ten years, has the property tax been paid?
If it is effective, it is that with the wind getting tighter and tighter, many people really sold their houses, especially more than two sets, especially those sold before the 20 16 surge, which were held hostage by policy panic.
If there is a clue, it is that in 20 19, the National People's Congress finally said that it would start to promote legislation. With this agenda, that's it. How far has it come? I don't know
You have to think about it. Drafting laws, internal discussions and opinions from various departments all take time. It takes time to submit it to the CPC Central Committee in the State Council for deliberation, and it also takes time to publicize it to the whole country. It takes time to modify them, right? This process can't be taken down for years.
Secondly, the timing of the introduction of property tax.
In fact, the government feels it is necessary to promote the implementation immediately, which is estimated to take a few years. Whether to introduce it is not only a legal issue, but also an economic issue, a people's livelihood issue, and ultimately a political issue.
Property tax will never come out in the down cycle of the property market, which is tantamount to adding insult to injury. At present, the national property market is in a period of adjustment, and it is hard to say how long this period is.
Recently, it was reported that the census in 2020 will also be conducted in rounds, which paved the way for the property tax. In fact, this kind of nonsense, 20 10 census also included rounds, and now the nationwide networking of real estate information is almost completed, so this basic work does not need to be repeated.
Another important indicator of levying property tax is that property tax can gradually replace land finance. If this role cannot be achieved, the property tax might as well not exist.
Thirdly, if the property tax is really introduced, what should I do if there are too many houses in my hand?
Let's look at the pilot projects in Shanghai and Chongqing.
In 20 1 1 year, Shanghai will levy new houses purchased by local residents, which belong to the second and above houses and new houses purchased by non-local residents, and the tax rate is tentatively set at 0.6%; Chongqing's expropriation targets are single-family villas, high-grade apartments, and second suites purchased by investors without working accounts. The tax rate is 0.5%- 1.2%.
What effect has it had since its implementation? The main reason is that the tax base is narrow and there is no progressive system, that is, a lot of taxes cannot come up. Internationally, it is generally based on the evaluation value, and the two places are based on the market price or the original price.
Therefore, I think the property tax has the following characteristics:
1, not across the board, the state only stipulates the general direction, and the specific standards and rules are determined by provinces and cities.
2. There must be a gradual system. The more you hold, the higher the tax point. Just like a tax, the high probability will be calculated by area. If the per capita area of the family exceeds, it will be taxed. Taxes will be levied according to the assessed market value.
So there are many houses in hand, depending on the size. If they are all small units, the three units may not have a lot of taxes. If it is a large unit, two units may have to pay taxes. When the property tax comes out, it should be more than three sets of aunts and grandfathers.
If you have two or less properties in your hand, don't worry at all.
I knitted the following points.
First, the property tax cannot be introduced in 2020, and the time will be later.
Second, the property tax has a collection standard, just like tax, it will be collected only if it meets the conditions. Maybe by suite or per capita area.
Third, the property tax collection rate will not be very high, and it will definitely give consideration to stability and will not cause big fluctuations.
Fourth, the purpose of property tax is to solve the tax problem, not to suppress housing prices. It is not sustainable to create tax revenue only by selling land. The turnover of new houses in first-tier cities is very small every year, and second-tier cities will follow in the footsteps of first-tier cities.
Fifth, the basic housing problem in China has been basically solved. At present, the main contradiction lies in the scarcity of housing in core cities and the improvement and upgrading of housing problems. If you have multiple properties, you should consider the redistribution of properties, such as changing to a higher-level city or changing to a more perfect one.
The collection of property tax may have little impact on families with more than two houses, and may have little impact on families with less than two houses. Why is the property tax actually levied in Shanghai and Chongqing? These two property tax pilot cities should be able to explain everything. Have you seen any changes in housing prices in Shanghai and Chongqing, and what collection policies are there?
Shanghai's property tax is levied according to the per capita area, and the per capita area should not exceed 60 square meters, so it is exempt from property tax. Of course, there are also differences in household registration. For local residents, the first suite is exempt from property tax, and for people from other places, the first suite is also levied. Without a temporary residence permit for three years, these taxes will be refunded to you. The tax rate is 0.6% and 70% of the market transaction price. For the local people,
In other words, Shanghai local hukou, the first suite is free, and the second suite and the first suite add up to no more than 60 square meters per capita, which is also free. It belongs to the talent introduction residence permit, and the only house is exempt from inspection. If you buy a super-large square meter or a villa, if you have really collected the property tax, you can return it within one year. After three years, foreigners living in Shanghai can also retire. It's all straight here
Not to mention Chongqing, property tax is levied on villas, single-family houses and other non-ordinary houses, high-grade houses and second-hand houses bought by foreigners. Property tax is levied when houses are rented, and there is no job, no enterprise and no household registration. Who do you think can't find a work certificate?
Therefore, when the property tax is fully levied, these two pilot areas will serve as important reference standards for collecting property tax, and these two standards cannot be exceeded. Therefore, as long as the area of the first suite and the second suite does not exceed 180 square meters, the property tax is basically not levied. As for living, villas and non-ordinary houses, these people will not care about the property tax. It doesn't matter. Those with three suites must pay property tax.
If your two houses add up to 250 square meters, then subtract 180 square meters, and the remaining 70 square meters need to pay property tax, which needs to pay property tax at the rate of 0.6%. If the market price per square meter is 10000 yuan, 700,000 yuan, and you pay that 4,200 yuan every year, this is probably the calculation method, and it is not much.
All right, that's it! If you have other questions about investing in buying a house, you can always pay attention to the official account of WeChat and Lefuju. Here is a little common sense about buying a house, waiting for you to discuss it together.
Even if there is no property tax in 2020, I think it is better to sell an extra house if there is no special purpose. In fact, the reason is very simple. It is only a matter of time before the property tax is introduced. Maybe the price can be higher now.
Lao Liang told you about his experience in investing in domain names today, and I believe you will understand why I said I wanted to sell domain names. In 20 13, Lao Liang entered the domain name investment industry, and the domain name market at that time was tepid. Lao Liangliang basically earns his living expenses by moving bricks every month (that is, buying low and selling high to earn a little difference), but it is very hard.
By the second half of 20 14, the domain name market was extremely hot. As long as you buy some domain names and keep them for a few months, you will get more than 50% income. It is the same as buying a house with your eyes closed to make money in previous years. During that time, Lao Liang's income was still very good.
By 20 16, the domain name market began to fluctuate greatly and the market was divided. Only by choosing the right variety can you make money. In fact, Lao Liang believes that the current real estate market is at this stage.
After 20 17, almost everything I bought was lost. Although Lao Liang made a lot of money in the past few years, after 20 16, due to the wrong variety selection and the illusion of returning to the capital after 20 17, the loss continued to expand.
Some friends may say that a house is valuable to live in. The actual domain name is also valuable. You can make a website. For example, JD.COM spent 27 million yuan to buy back its current domain name, and 360 spent nearly 1 100 million to buy back 360 domain name.
Through my own experience, I want to tell you that if your second and above houses are for making money, you should know to make profits in time. Of course, if your second apartment has rigid needs such as housing demand or school district housing, that is another matter.
Property tax is bound to be levied, which has a far-reaching impact on housing prices and does not need to wait until the policy is introduced.
The brain is a good thing, but it's a pity that the subject didn't bring some.