在今天的”莎粉来信“中,丽莎收到这样一个提问:
莎粉和他的女友,打算一起买下他们的第一套房,这是他俩共同买下的第一套房子,也是各自人生中的首次买房(他们过去都没有买过房)。
莎粉说,虽然他俩现在住在英国,但以后有考虑搬到其他国家居住。
他们的计划是,几年后如果搬到其他国家的话,他们还是打算不定期回到英国住;比如说在其他国家住了3年,回到英国住个一年,然后再回去原来的国家…
这样的话,他们现在买了房子自住,之后搬走的时候把房子租出去,想回到英国的时候再把房子收回来住,然后再继续出租出去……
莎粉想问,这样的方式是否可行?并且莎粉听说,如果想这样操作的话,就需要先把房贷改成Buy To Let性质,是这样吗?
丽莎说明:
首先,从莎粉的贷款角度来看,如果莎粉不想将原来的自住房贷款,改成Buy To Let(买房出租)贷款,其实也是有可能的。
不过,前提是当莎粉想要将房子出租的时候,必须事先获得银行的同意(Consent to let),银行必须同意当莎粉搬到国外住的时候,允许莎粉在不改变原来自住房贷款的前提下,莎粉可以把房子出租给其他人(当然了,相关的规定和条款、有没有什么附加条件,双方是必须先取得共识的)。
但需要指出的是,一般来说银行的”Consent to let“只会允许一段”有限“的时间(Limited Period)——比如说,允许12个月的时长,之后需要每年重审;或者说,只允许在Fixed-rate(固定利率)的期间。
此外,银行一般对于当事人的”贷款额“也有要求,就是说如果当事人贷款超过75%房价的话,银行通常不会同意让当事人把自住房改成出租,也恐怕不会同意让当事人转成Buy To Let房贷。
→ 银行的”同意“还不是唯一的障碍?
假如说,当事人买房的时候,有借助任何属于”首次购房者“(First-time buyer)才能享有的政策或计划的话,比如说Help-to-Buy;那么,实际上很多这些计划,都是有”限制“而不让当事人把房产给出租出去的。
否则,要是有人恶意以首购者名义买房,但只是想把房产放租来获益,反而会破坏了这些计划的初衷。
再进一步说,即便可以同意让当事人(购房者)把房产出租,这一般也会要求当事人提出证明,表达自己确实买下该套房是要当做自己的”家“,只不过不得已情况发生变化,使得当事人只好或必须搬出。
而这种所谓”不得已“的情况,可能是当事人的雇主,要求当事人必须到国外驻点工作,被迫外派到其他国家,而非当事人自己能够选择的。
从这种情况来看,如果是像上面莎粉那样,他们完全是自己想要搬到其他国家生活的话,恐怕很难满足上述要求。
→ 那如果直接转成Buy To Let呢?
回到贷款的话题上。如果说,莎粉到时候直接选择把原来的贷款,改成Buy To Let贷款的话(当然了,前提仍然需要先获得银行的同意),这对于莎粉想要将房子给出租,确实是更直接的作法。
不过即便如此,莎粉也需要注意:一旦莎粉将原来的贷款改成Buy To Let性质,该房产就必须被当做”出租房“而非自住房。
意思是说,如果房产已经当做完全”出租房“的性质,该房产就必须用于”出租“给他人使用,而非莎粉自己居住。
这样一来,这就不是莎粉想住的时候就可以住的了。
在转到Buy To Let贷款的情况下,如果莎粉想从国外回到英国居住的时候,就需要把该房产的贷款,再从Buy To Let转回自住房贷款(Residential mortgage);这样来来回回的可能反而会更麻烦。
或者是说,莎粉想要简单一点的话,也可能考虑在把原来的贷款转成Buy To Let贷款后,就不要再转回来,把该房产一直当做出租房。
如果是这样的话,当莎粉想要回到英国住时,可能需要去租其他的房子来住,当然了这将可能牵涉到额外的租金花费。
不过,如果莎粉以前面提到的形式,一下子转成Buy To Let,过几年又转回Residential贷款,然后过不久又再转成Buy To Let的话;每次”转换“的时候自然还会牵涉到相关的额外费用,这笔花费也是需要考虑进去的。
所以,莎粉会需要评估各种情况以及可能衍生的花费和手续后,再选择出最合适自己的一种方式。
当然了,在做决定前,莎粉也应该先向贷款的银行确认,自己想要的方式是否可行。
丽莎结语:
其实,今天分享的莎粉问询,并不是一个特殊的例子。
不少人在拿到了英国的永久身份后,都可能思考和上述莎粉类似的问题;比如说,当事人想在两个国家之间来回居住。
这样的话,房产方面的安排,自然也是其中一个需要纳入考虑的问题。
此外,丽莎也要提醒,从税务的角度来说,如果莎粉想要将原来的房产改成出租房而租出去的话,也可能衍生有关房租税的问题。
根据目前的规定,当事人的房租收入如果满足以下条件,就应该进行申报:
1)房租净收入(扣除掉各种支出和成本后)在2,500英镑/年~9,999英镑/年之间;
2)房租毛收入10,000英镑/年或者以上。
在英国,做房东、收房租属于“Self-employment”(自雇),意即当事人应该通过“自雇”的形式进行房租申报。
是否缴税取决于房租收入以及租房的各种支出有多少,如果租房的收入还不够支出,那么虽然要进行申报,但是不用缴税的。
除了成本和支出,英国本地的房东还可以享受每年每人12,570英镑的个税免税额(这个免税额是目前税年的额度);然而,英国海外的中国房东是不可以享受英国的个税津贴(Personal Allowance)的,因为中英双方的税收协议里面,并没有互相给予对方国家的居民享受个税津贴的权利。
所以,对于提问的莎粉来说,其实不只有贷款的部分需要考虑,房租税方面的问题,也是需要先了解清楚,然后一并考虑进去的。
最后回到”共同买房“的话题上。莎粉前面已经说过,他要和女友一起买下一套房。
这样的话,相关的衍生问题也是需要考虑清楚的。比如说,双方想要选择什么样的”产权模式“,是“Joint Tenancy”或”Tenancy in Common“;此外,双方是否应该是先签订好一份“信托契约”(Deed of Trust),列明清楚双方的权利、责任和义务。
有关”共同买房“的话题丽莎曾经写过好几篇文章来专门讨论。如果有需要的话,建议您再找来看一看。
今天的文章就到这边,如果您对于文章内容,或者其他英国法律方面,有任何疑问,都欢迎进一步咨询丽莎律师行。
任何英国税务方面的问题,也可以联系咨询丽莎会计行。
觉得丽莎的文章不错?请不要吝于点赞和转发!您的支持是丽莎继续前进的动力,我们将尽力为莎粉们提供最新最全的实用信息。
> 📱 丽莎的“掌上律师”服务 📱 <
如果莎粉们对于丽莎的“掌上律师”服务有任何疑问,或者想要了解如何使用丽莎APP,莎粉们可点击这里 ↓
丽莎以简易图表,一步一步带您使用丽莎律师行的专属APP。
您和我们只有一键之隔。委托我们,您完全可以更加省时省力。对于住得远的莎粉,您更可以省下车费和舟车劳顿。丽莎只想为您做得更好。您说,我们做!委托丽莎,从来没有如此简单过!
如果莎粉们对于丽莎的“掌上律师”服务有任何疑问,或者有其他法律问题,都可以直接联系丽莎律师行(www.lisaslaw.co.uk),或者通过我们旗下官网和《丽莎知道》微信公众号(UK-LISA),官方微博(www.weibo.com/lisaslaw)咨询丽莎。
丽莎律师行联络邮箱:info@lisaslaw.co.uk
联络电话:020 7928 0276
联络微信号:lisaslaw003
《丽莎知道》官方微博:www.weibo.com/lisaslaw;手机版:www.weibo.cn/lisaslaw
扫一扫,《丽莎知道》微信公众号:
Howdy! Do you know if they make any plugins to assist with SEO?
I’m trying to get my site to rank for some targeted keywords but I’m not seeing very good success.
If you know of any please share. Thank you! I saw similar blog here:
Eco wool
The half of each gene that results in the varying expression of traits is called an allele.
sugar defender ingredients For many years, I have actually battled uncertain blood sugar
level swings that left me feeling drained pipes and tired. But given that
including Sugar my power levels are currently steady and consistent,
and I no longer hit a wall in the afternoons.
I appreciate that it’s a gentle, natural strategy that doesn’t come with any type of undesirable adverse effects.
It’s really transformed my life.
sugar defender For several
years, I have actually battled unforeseeable blood sugar level
swings that left me feeling drained and sluggish. However given that integrating
Sugar my energy degrees are currently stable and consistent, and I no longer hit a wall in the afternoons.
I value that it’s a mild, all-natural approach that does
not featured any undesirable adverse effects. It’s truly transformed my
life.
Good post. I learn something new and challenging on sites I stumbleupon every day. It’s always helpful to read through content from other authors and use something from their websites.
You are so interesting! I do not think I’ve truly read through anything like this before. So good to find someone with some genuine thoughts on this topic. Really.. thank you for starting this up. This site is one thing that is required on the internet, someone with a bit of originality.
Way cool! Some extremely valid points! I appreciate you penning this article and the rest of the site is also really good.
A motivating discussion is definitely worth comment. I believe that you need to publish more about this subject matter, it may not be a taboo subject but typically folks don’t discuss these topics. To the next! Kind regards!
sugar defender ingredients For years, I have actually battled unforeseeable blood sugar level swings that left me feeling drained and lethargic.
However since including Sugar Protector right into my regular, I’ve noticed a considerable improvement in my total energy and security.
The dreaded mid-day distant memory, and I value that this natural treatment achieves these results with no undesirable or damaging responses.
honestly been a transformative discovery for me.
I discovered your blog site on the search engines and check several of your early posts. Preserve within the really good operate. I recently extra your Feed to my MSN News Reader. Looking for toward reading much more of your stuff at a later time!…
When I originally commented I seem to have clicked on the -Notify me when new comments are added- checkbox and now every time a comment is added I receive 4 emails with the same comment. Is there a way you are able to remove me from that service? Thank you.
Spot on with this write-up, I truly think this site needs far more attention. I’ll probably be returning to read more, thanks for the advice.
Championship. FIDE awarded him the title of International Master in 1975.
Sony indicates that there are around 200 apps specifically designed for SmartWatch.
New options included cut up entrance seat, headrests, and tachometer.
Foods which are wealthy in omega-3 fatty acids, vitamins, and minerals have been shown to have a constructive affect on mental properly-being.
Originating in Maine within the 1980s, the business began when co-founder Roxanne Quimby began making candles from Burt Shavitz’s leftover beeswax.
The prices are situated by profit-driven beings that buy and sell the stocks until the stock prices reflect the state of a company.
To keep away from additional decreases in coffee costs, the central government purchased enormous amounts of espresso, which was then destroyed.
One in every of the important thing the explanation why J.Crew has remained a go-to model for professionals is its commitment to excessive-quality supplies.
Irish State had the monetary sources to bail out the Irish banking system (Ireland was almost debt-free earlier than the disaster).
Setting up automated reminder systems is simple and typically uses existing calendar management software, much like the subscription services.
If you take the average American waffle and double its thickness, making it lighter and fluffier, you may get a Belgian waffle.
Thomas (Frances) Sherrard of Longview and Mrs.
These mandatory halts are supposed to give traders time to stop and analyze new market conditions so they can make more level-headed decisions about whether to buy or sell.
To prove the weaknesses of the system, researchers at Johns Hopkins went about breaking in.
After France surrendered, it turned a Vichy force that fought the Allies from 1940 to 1942 on the battle of Mers-el-Kébir and in Operation Torch.
The uprisings and unrest in Greece over currency devaluation has motivated and created fear.
It was a pleasure working with Jack Hickey and his team of skilled.
Additionally it is a capacity constructing program that gives you worth for your money.
The big will increase within the cases counts from 2021-01-02 to 2021-01-08 is because of a reporting backlog of optimistic assessments since Christmas that delayed formal reporting.
Incognito from DubCNN gave the album 4.5/5 stars and wrote “On his newest effort “Balance & Options”, Quik is wiser and is able to admit that he aint no gangsta. There’s nothin flawed with that, Quik can nonetheless rock the events and get respect from peeps on the streets. I really like this report, songs like “Change The game”, “Pitch in on a Get together” and “Well” actually mean a lot. The Beats actually make the record, though I still find it irresistible, I think it deserves a 4/5 due to incredible production and deep which means. With this album, Quik has again proven us how he has established himself as a key factor in the West coast”.
The second objective is to have a full-size mannequin that can be utilized to make issues just like the physique-panel molds and the frame.
More–SHIP FREE! James Stephenson, Training Face Supervisor, Tanfield Lea Colliery, Durham Division, National Coal Board.
Jill Vejnoska (April 26, 2008).
A whole lot of latest employees took them up on the deal, and over the next 10 years, they shortly noticed their preliminary inventory offerings blossom into multi-million dollar fortunes.
Like mutual funds investments which gives the best exposure to any investments.
Sponsored by Worldwide Schooling, Asian American Cultural Center (AACC) and Malaysian Pupil Affiliation (MaSA).
Thus, here are some of the most common indicators many traders watch: inflation and high unemployment rates.
Coconut oil is made of medium-chain fatty acids (MCFAs), which our bodies metabolize otherwise than long-chain fats.
Some funds concentrate on solely U.S.
After three intense struggles, the sixth sport was a quiet, relatively quick draw.
Also, Samuelson published a proof exhibiting that if the market is environment friendly, prices will exhibit random-walk conduct.
To derive this rate we observe that the theoretical price of a bond can be calculated as the present value of the cash flows to be received in the future.
Flagstaff and the encompassing area is break up into 4 zones, each permitted different ranges of light emissions.
If they are a professional forex mentor, then they’re probably not professional traders.
Many of those locations are threatened by sea-stage rise, and may disappear beneath the waves in the following hundred years.
Passing simply south of Lafayette, Kentucky, two large barns had been destroyed, several electrical transmission strains and many trees have been knocked down, a house alongside Previous Clarksville Pike sustained roof damage, and damage close to Lafayette was rated EF2.
Practically speaking, that means it won’t take a couple of hours for you to remember that you put those zebra striped buttons not with the black and white cording, but with the black and white yarn, or over with the black and white silk flowers.
Wolf’s office reported $192 million has been provided through grants to greater than 10,000 companies.
Technically, rollover distributions are considered taxable income.
The online result of this procedure is to not inject new investment into the actual economy, but instead to drive up asset costs, shifting cash from authorities bonds into different belongings comparable to equities, which enhances financial inequality.
It was produced by the independent manufacturing company Reeltime Footage.
The minimum retirement age for collecting social security is 62, but the “full” retirement age is 67 if you were born after 1960 and slightly younger if you were born earlier.
And if a tropical disturbance continues to search out sufficient of this “food” and to encounter optimum wind and strain conditions, it’ll just keep growing.
The COVID-19 vaccine registration portal opened to people aged 18 or over for the Pfizer or Moderna vaccines.
FINCHER, SEYMOUR Comanche County: The Lawton Structure, Tuesday, November 21, 1978 Cyril (Staff)—Funeral for William Jackson SEYMOUR, 36, Los Lunas, N.M., a former Cyril resident who died Monday in his house from a gunshot wound, will likely be at 2:30 p.m.
Find information about categories of tests available
as well as sitting your test online.
So when the website is within the preliminary state its higher not to monetize it.
Recognizing depression symptoms particular to completely different age teams and genders is essential in ensuring applicable assist and therapy.
There are some substances that may permanently harm or discolor even stain-resistant carpeting, including strong chemicals, acne medicine and yellow mustard, so manufacturers recommended you attempt to keep these culprits at a safe distance.
Nonetheless, the debt snowball strategy is more psychologically interesting, as you’ll be able to see a quick win in paying off your debts.
As an occasion planner, the interviewer wants to know how organized and composed you’re.
OTC derivatives (swaps). NFA is headquartered in Chicago and maintains an office in New York City.
Part 3 – 21.6% pass so 5.14 of the 23.8 people from Part
2 qualified.
The other two properties that Yeager emphasized are that the demand for cash is a demand to carry real cash balances and that the acquisition of money has a “routinenss” to it that distinguishes it from different items.
Because of this, it makes sense to hunt down the expertise of a currency alternate specialist.
Prompt mpg readouts and other on the spot fuel economic system displays have been part of the green driving movement for some time.
Because the nation continues to wrestle with environmental problems, the railroads will continue to be an essential useful resource, shifting the identical amount of freight with only a tenth of the pollution.
Whereas a simple understanding of the Futures Trading System could allow an individual to find some monetary achieve, an advanced understanding opens a number of extra doors regarding trading variety and the opportunity to seek out immense monetary success.
Houston destination administration company or the DMC plans for events, meetings, conventions, conferences, incentive journey, group constructing, tours, recreation and transportation for business travel group.
This on-line occasion planner takes care of all our worries and tensions with regards to event planning and helps to make our lives much more snug.
The options keep your peril limited at every time.
On December 14, 9 Tennessee counties have been granted federal emergency assistance as a result of harm from the storms: Lake, Obion, Dyer, Gibson, and Weakley counties in West Tennessee; and Cheatham, Dickson, and Stewart counties in Center Tennessee, all of which had been heavily impacted by tornadoes, together with Decatur County, which had sustained county-vast energy failure.
For a lustrous look, use a smoothing serum to tame unruly locks and end with a strong hairspray that may keep all of it in place.
A8102252 Flight Sergeant Ian Simpson.
Nice read!