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最近美国的房地产非常火热,好多人想买房子都买不到,有时候一处房产,有超过70个买家去抢,最后得手的,要高出要价的百分之二、三十,而且是现金才能买得到。那在美国买卖房子需不需要缴税呢?答案是,要也不要,看你是怎么操作的。在美国,所有的所得都要缴税,如果你卖了房子之后,不打算再投资,特殊免税额之外的部分就要交资本利得税,这在联邦税率最高是20%。不过,在美国有一个法规,对这些投资房地产的投资人来说,特别的好用,那就是税法的1031条款。


什么是税法1031?

比方说,你今天有个房地产,非自住,而是投资的房地产。买了以后赚了钱,把它卖掉以后不想交税,有可能吗?有的。你可以在45天之内去找另外一个价格相同或更高的同类房地产,并且能在180天之内完成交易的话,你当前就不用交税。这个税不是永远不交,而是可以无限后延。


1030怎么操作?

假设十年前你买这个房子是20万,现在价值100万,你要现在卖掉,会有80万的资本利得。这个80万的资本利得,你要付20%的联邦的资本利得税,如果还有州税,像加州的话,最高是13.3%。联邦还有一个另外的附加税是3.8%,加起来就相当可观了。如果不想交这个税,可不可以,可以!卖价100万,你收到以后,要用它再去买一个100万或以上的投资房产。这包括你投资商店、土地,都可以,只要是投资的物业,资本利得就可以无限的往后延。但是一定记得,要先物色、确定好这个产业,并在180天之内把它“拿下”。 美国有很多有钱人就是靠1031不断地做这个交换来避税。


如果一辈子都没有卖这个产业,但是人走了怎么办?

因为没有卖出产业,所以没有产生资本利得税,但人走以后,这个市价就会变成业主遗产的一部分,这个时候就要来算遗产税。那遗产税我们怎么规避?遗产规划需要趁早、合理做,有一些方法可以达到规避遗产税的目的。其中一个最有效的,是尽早拥有一个人寿保险,来达成合理的减免。


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01

今日三大指数下跌,标普500下呹1.9%,道琼工业指数下跌1.3%,纳斯达克综合指数下跌2.72%,标普500及纳斯达克综合指数创下2020年三月以来最大单周跌幅。消费者必需品是标普500唯一收正的版块,上涨0.1%。


02

之前得益于疫情的居家概念股如Netflix及Peloton在疫情逐渐缓和的情况下前景充满不确定性,Netflix今日下跌22%,Peloton则是上涨12%,部分抵销昨日该公司将暂停生产的负面消息造成的24%下跌。

03

虽然市场表现不佳,但投资人目前对市场并未过度乐观,应该正面看待。建议可以部分调整持仓部分,避免因恐慌心态抛售,待市场反弹时再进行大规模调整。

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