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想买一套buy to let 的房子出租，然而据说政府要收取房租的20%作为房租税。这样一算，再加之额定3%的印花税，那觉得就没甚么意思了。是否我了解错了，政府收取的是利润的20%？好比，一个月收房租1000镑，Mortgage月供800镑， 那政府是收1000镑的20%也就是200镑，仍是收取（1000-800）x20%=40镑？我的了解是前者，也就是收取200镑。假如是这样的话，不知道有无甚么避税的方法，各位房东是怎么避税的？可不成以这样，好比租给三个房客，每个房客一个月350镑的房钱，那只跟政府报说这个房子的房钱是350镑？这样政府每月就只拿走350x20%=70镑。这样可行吗？
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Yes. The income you receive as rent is taxable. You need to declare any rent you receive as part of your Self Assessment tax return. The tax on your income is then charged in accordance with your income tax banding (20% for basic rate taxpayers, 40% for higher rate, and 45% for additional rate).
However, you can minimise the tax you have to pay by deducting certain ‘allowable expenses’ from your taxable rental income.
Allowable expenses include:
• Interest on buy to let mortgages and other finance charges (but see below)
• Council tax, insurance, ground rents etc
• Property repairs and maintenance – however large improvements such as extensions etc will not be income tax deductible. They will be added to the cost of the property when it is sold and be deductible against any capital gain.
• Legal, management and other professional fees such as letting agency fees.
• Other property expenses including buildings insurance premiums
New rules for tax relief on interest payments are being phased in over 4 years from April 2017. The aim is to only give basic rate tax relief from April 2020, i.e 20%. See our examples overleaf for basic and higher rate tax payers.
An example of how the new rules could affect you
• House is bought for £300,000
• 80% mortgage is taken for £240,000
• Mortgage interest assumed at 4.5% annual mortgage interest is £10,800
• Rental yield is assumed at 5%, annual rent is £15,000
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下面的这个政策往年曾经改了，mortgage的部份再也不能免税
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往年仍是能够免一部份的，利息部份，不懂别乱说。还有各种开消均可以算进去的
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那就是说要交房租的20%给政府？好比，一个月1000镑的房钱，各种费用累计一个月200镑，那要交给政府(1000-200)x20%=160镑，是这样吗？能跟政府虚报房钱吗？好比租给三个房客，每人每个月350镑，然而报给政府只报一个或者两个？
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only 75% tax relief if you are higher tax payer. 100% if you are basic tax payer.
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支出十一00，费用100，利润1000，房贷利息部份400。
假如你的income税率是20%，那你需求交的税是100020% - 40020% = 十二0。
假如你的income税率是40%，那你需求交的税是
往年 100040% - 40075%40% - 40025%20% = 260
每一年减少，三年当前，100040% - 400*20% = 320
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谢谢各位回复。通过大家的讲授，小弟明确了，心里有底了。只管不是buy to let 的好时分，小弟仍是想出手试一试了。
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租出去的面积百分比？
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