买了房以后需要付什么费用 what do I need to pay after purchased a property?


11 Aug
11Aug

买了住房以后需要付什么费用 what do I need to pay after purchased a residential property?

买住房时需要付房子的费用和政府的印花税/额外印花税(+/- 贷款)。成功买住房后还需要付什么费用呢?有以下3笔费用一定要给。


1)。物业管理费。 基本上公寓都有物业管理费,每个公寓收费不等,在买房前一般会估计出大概的物业管理。到拿钥匙前会通知具体费用,新房的话第一次需要支付6个月的物业管理费,之后大部分是每3个月也有每一月付费。就要看自家公寓的要求了。物业管理费和居家面积有关。面积越大,相对越多。与买方身份无关。

2)。 房产税。每年付一次。对于住房:不管是自住还是出租都要给住房的房产税。只是%不一样。按政府估计的年值(一般比租金稍微少一点)来算。自住大概在4%起,出租则从10%起。商业房和工业房不管是自住还是出租都是年值的10%。

可以参考政府网站看一下%:https://www.iras.gov.sg/irashome/Property/Property-owners/Working-out-your-taxes/Property-Tax-Rates-and-Sample-Calculations/

3)。个人所得税。每年付一次。有居民和非居民之分。居民(新加坡人,永久居民,长期居住超过183天的外国人)大概从租金年收入的2%起,非居民(不住在新加坡或少过183天的外国人)是租金的22%。可以参考政府网站看一下%: https://www.iras.gov.sg/irashome/Individuals/Locals/Working-Out-Your-Taxes/Income-Tax-Rates/


政府不时在调整房产税。如果需要及时信息最好是和IRAS热线或自己的代表律师确认一下%。

不管你是公民,永久居民还是外国人都需要付以上3个费用,只是%有些不同。买房前先把售后风险全了解,才会更清清楚楚,一切尽在掌握中!


To buy a residential property, you need to pay the cost of the property and the government Buyer Stamp Duty fee/Additional Buyer Stamp Duty fee and +/- your loan. What do I need to pay after successfully buying a residential property?


1). Property management and maintenance fees. Basically, apartments/condominium have property management fees, and the fees for each apartment varies. Generally, the approximate property management fee is estimated before buying the property.

Before you get the key, you will be notified of the specific cost. If you are a new property, you need to pay 6 months of property management fees for the first time. After that, most of them are paid every 3 months. It depends on the requirements of your apartment. The property management fee is related to the area of your property. The larger the area, the more relative. It has nothing to do with the buyer's identity.


2). Property tax. To be paid once a year. Whether it is own stay or rented out, property tax is required. It's just % different. Calculate according to the annual value estimated by the government (generally a little less than the rental). For Residential property: Property Tax starts at 4%  of Annual Value for own-stay and starts at 10% of Annual Value if for rent. For Commercial and industrial properties are 10% of the Annual Value, whether for self-occupation or rental.

 You can refer to the government website to see%:


https://www.iras.gov.sg/irashome/Property/Property-owners/Working-out-your-taxes/Property-Tax-Rates-and-Sample-Calculations/


Owner-occupied residential properties may be condominiums, HDB flats or other residential properties where the owner lives in ("occupies") the property. Owner-occupied residential properties enjoy owner-occupier tax rates.

Owner-Occupier Tax Rates
Annual Value ($)Effective 1 Jan 2015Property Tax Payable

First $8,000
Next $47,000

0%
4%

 $0
$1,880

First $55,000
Next $15,000

-
6%

$1,880
$   900

First $70,000
Next $15,000

-
8%

$2,780
$1,200

First $85,000
Next $15,000

-
10%

$3,980
$1,500

First $100,000
Next $15,000

-
12%

$5,480
$1,800

First $115,000
Next $15,000

-
14%

$7,280
$2,100

First $130,000
Above $130,000

-
16%

$9,380


Non-owner-occupier Residential Tax Rates (Residential Properties)

Non-owner occupied residential properties may be condominiums, HDB flats or other residential properties. The owner does not live in ("occupy") the property and, therefore, owner-occupier tax rates do not apply.

The following tax rates apply to non-owner occupied properties except for those in the exclusion list.

Non-owner-occupier Residential Tax Rates
Annual Value ($)Effective 1 Jan 2015Property Tax Payable

First 30,000
Next $15,000

10%
12%

$3,000
$1,800

First $45,000
Next $15,000

-
14%

$4,800
$2,100

First $60,000
Next $15,000

-
16%

$6,900
$2,400

First $75,000
Next $15,000

-
18%

$9,300
$2,700

First $90,000
Above $90,000

-
20%

$12,000

Residential properties on the exclusion list will continue to be taxed at 10%.

Properties on the Exclusion List

  1. Accommodation facilities within any sports and recreational club
  2. Chalet
  3. Child care centre, student care centre, or kindergarten
  4. Welfare home
  5. Hospital, hospice, or place for rehabilitation, convalescence, nursing care or similar purposes
  6. Hotel, backpackers' hostel, boarding house or guest house
  7. Serviced apartment
  8. Staff quarters that are part of any property exempted from tax under s6(6) of the Property Tax Act
  9. Student's boarding house or hostel
  10. Workers' dormitory

For the existing 10% tax rate to apply, the property must have received planning approval for the above use. No application to IRAS is required. 

Commercial and Industrial Properties (Non-Residential)

Non-residential properties such as commercial and industrial buildings and land are taxed at 10% of the Annual Value.  The owner-occupier tax rates do not apply to non-residential properties even if you have bought the properties for your own use / occupation. (Source: IRAS 2020)


3). Personal Income tax. To be paid once a year. There are residents and non-residents. Residents (Singaporeans, permanent residents, foreigners who have lived for more than 183 days) start from about 2%, and non-residents (foreigners who do not live in Singapore or have less than 183 days) are 22% of the rent. You can refer to the government website to see%:


https://www.iras.gov.sg/irashome/Individuals/Locals/Working-Out-Your-Taxes/Income-Tax-Rates/


Income tax rates depend on an individual's tax residency status. You will be treated as a tax resident for a particular Year of Assessment (YA) if you are a: 

  1. Singapore Citizen (SC) or Singapore Permanent Resident (SPR) who resides in Singapore except for temporary absences; or
  2. Foreigner who has stayed / worked in Singapore (excludes director of a company) for 183 days or more in the year preceding the YA.

Otherwise, you will be treated as a non-resident of Singapore for tax purposes.


Resident Tax Rates

From YA 2017 onwards

Chargeable IncomeIncome Tax Rate (%)Gross Tax Payable ($)

First $20,000
Next $10,000

0
2

0
200

First $30,000
Next $10,000

-
3.50

200
350

First $40,000
Next $40,000

-
7

550
2,800

First $80,000
Next $40,000

-
11.5

3,350
4,600

First $120,000
Next $40,000

-
15

7,950
6,000

First $160,000
Next $40,000

-
18

13,950
7,200

First $200,000
Next $40,000

-
19

21,150
7,600

First $240,000
Next $40,000

-
19.5

28,750
7,800

First $280,000
Next $40,000

-
20

36,550
8,000

First $320,000
In excess of $320,000

-
22

44,550


Please refer to How to Calculate Your Tax for more details.

You may also use the Tax Calculator for Resident Individuals (XLS, 96KB) to estimate your tax payable.

Tax Rates for Non-Residents

Taxes on Employment Income

The employment income of non-residents is taxed at the flat rate of 15% or the progressive resident tax rates (see table above), whichever is the higher tax amount.

Taxes on Director's fee, Consultation fees and All Other Income

From YA 2017, the tax rates for non-resident individuals (except certain reduced final withholding tax rates) has been raised from 20% to 22%. This is to maintain parity between the tax rates of non-resident individuals and the top marginal tax rate of resident individuals.

 Type of Income

Non-resident individual tax rate / withholding tax rate from YA 2017

(a)

Director's remuneration 

22%

See Tax Obligations for Non-Resident Directors

(b)

Income derived from activity as a non-resident professional (consultant, trainer, coach, etc.) 

15% of gross income or 22% of net income

See Taxable Income of Non-Resident Professionals

 

(c)

Income derived from activity as a non-resident public entertainer (artiste, musician, sportsman, etc.)

10% concessionary rate (No change)

See Tax for Non-Resident Public Entertainers

 

 

(d)

Other income e.g. rental income derived from a Singapore property

22%

See Foreigners with Property in Singapore

(e)

SRS withdrawal by a non-citizen SRS member

22%

See Withholding Tax on SRS

(f)

Interest, royalty etc. 

Reduced final withholding tax rate (subject to conditions) as follows:
Interest: 15%
Royalty: 10%

OR

22% if reduced final withholding tax rate is not applicable.

See Withholding Tax Rates for Individuals (PDF, 262KB)

(g)

Pension

22%

 

You may use the Tax Calculator for Non-Resident Individuals (XLS, 91KB) to estimate your tax payable.(Source: IRAS 2020)


The government is adjusting the property tax from time to time. If you need timely information, it is best to check with the IRAS hotline or your own lawyer.

No matter you are a citizen, permanent resident or foreigner, you need to pay the above 3 fees, but the% is a little different. Before buying a property, you must first understand the after-sale risks/fees, and then you will be more clear, and everything is under control! 


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