In fact, housing prices in many cities have now climbed to more than 10,000 yuan. However, for the general public, housing as a necessity of life, buying a house has become a necessary task. Houses not only provide shelter for people, but also carry many additional resources, such as children's education and the benefits of the city. Only with a home in the city can people really put down roots in it. In addition, homes have investment potential, and many families have seen a steady increase in their wealth by buying a home.
So, why are house prices so fast? Taking Shanghai as an example, Shanghai has been one of the few cities with the highest housing prices in the past few years. The main driving force behind this is that people see homes as an investment vehicle. For many people, the purpose of buying a home is not only to live, but also to look forward to its future appreciation. This investment mentality has further boosted the price of the house, making the home buying market more prosperous.
From the perspective of the home ownership rate of urban residents, the current home ownership rate is as high as 96%, of which 31% are households with two properties, and 10% are households with three or more homes5%。This data clearly shows that the housing needs of urban residents have been greatly met, and at the same time, a significant number of people hold surplus properties. So, why do people still choose to continue to buy houses when there is enough housing**? The answer is undoubtedly due to investment considerations, and they hope to increase their family wealth through the appreciation of their properties.
For this phenomenon of investment and home purchase, there are gradually voices in the society for the property tax policy. Property tax, a wealth tax on homeowners, is mainly based on the taxable residual value of the house or rental income. At present, the property tax is only piloted in some cities and has not yet been implemented nationwide. If the property tax is fully implemented, then every property owner will need to pay taxes on it, and the more properties there are, the higher the tax they will pay. This will undoubtedly have a certain inhibitory effect on investment and house purchases.
However, while people are looking forward to the introduction of a property tax, a new tax called the "landlord tax" has quietly appeared, which can be taxed at a rate of up to 20%. Currently, Hebei and Hunan provinces have implemented this policy, taxing landlords at 5%-10% of their rental income. In a nutshell, the "landlord tax" is a tax levied on landlords, which is similar to property taxes, both to regulate the real estate market and curb overinvestment. The implementation of this new tax has undoubtedly added a new powerful tool to the regulation and control of the real estate market.
The Yunnan Provincial Taxation Bureau has announced a new policy to introduce a "landlord tax" on rental income. Under this policy, landlords are subject to a 10% personal income tax on rental income from renting out their dwellings, and a 20% tax on rental income from non-dwellings. To illustrate with an example, assuming that the monthly rent of a house is 2,000 yuan, the landlord should pay 200 yuan in taxes and fees per month; For non-residential properties, such as office buildings, if the monthly rent is 4,000 yuan, the landlord will have to pay 800 yuan in taxes per month.
The implementation of this new policy has undoubtedly increased the financial pressure on landlords with multiple properties. The implementation of the landlord tax has made the "rent-to-loan" strategy even more impractical. Given the mortgage pressure of multiple homes, landlords may want to consider** some properties to ease their financial burden. This will prompt more homes to enter the market, providing more options for homeowners to buy a home, making it easier to buy a home.
This change will not only help balance the supply and demand of the real estate market, but may also promote the healthy development of the real estate market. The introduction of landlord tax not only regulates the income of landlords, but also is a useful supplement to the regulation and control of the real estate market. Through such policy adjustments, we have reason to expect a more fair, stable and orderly real estate environment.
Of course, there are concerns that after the implementation of the "landlord tax", landlords may pass on the tax burden by raising rents, putting additional pressure on tenants. This is indeed a matter of concern. However, I firmly believe that the relevant departments of our country will take a thorough view of this issue and respond appropriately to it. They will gradually improve the laws and regulations of the rental market to ensure the fairness of the market and the rights and interests of tenants. For this, we just need to stay tuned and believe that ** will bring us a satisfactory answer.
With the advent of property tax and landlord tax, there are two types of people who may toss and turn and find it difficult to sleep at night. One is the investment tycoons who have multiple properties in their hands. Property tax and landlord tax are like two invisible hammers, constantly increasing the cost of owning a property. As housing prices gradually stabilize, the profit margins of real estate investment are gradually shrinking, while the holding cost is like a tide**, which is undoubtedly a huge test of their investment psychology.
On the other hand, investors who rely on rental income to pay off their mortgages. In the real estate market, there are always some people who choose to operate with high leverage, and their capital chain is already walking on thin ice, and rent has become the key to maintaining their capital chain. However, with the introduction of property tax and landlord tax, their financial pressure may be further exacerbated, and they may even fall into a difficult situation.