あなたは知っていましたか?
住宅購入は消費税増税後のほうがお得なこと4つ
消費税増税後マイホーム購入4つのお得
1.住宅ローン控除が13年に延長されます。
2.すまい給付金の拡充最大50万円
3.住宅取得資金の贈与を受けた場合非課税枠最大3,000万円
4.次世代住宅ポイント新築で最大35万ポイント
ご存知でしたか?消費増税後のお得その1
住宅ローン控除
消費税10%増税後には、住宅ローン控除が13年に延長されます。今までより3年長くなります。
この3年は大きいですね。
住宅ローン控除とは、その年の住宅ローン年末残高の1%が控除されます。控除限度額は1年で最大で40万
控除期間は10年で最大400万円になります。
延長された3年間一般住宅の場合
住宅ローン年末残高(4,000万円が限度)×1%と
建物の取得価額(上限4,000万円が限度)×2%÷3の小さい方の価額が適用されます。ここで規定された「4,000万円」は、認定長期優良住宅や低炭素住宅の場合は「5,000万円」に変わります。
新築一戸建てを購入した場合は、基本的な条件を満たしていれば住宅ローン控除が使えます。
ここで注意しなければならないことは、3年間の延長が使えるのは2020年12月31日までに入居した場合に限ります。
2021年1月1日以降は、3年延長はなくなり元に戻ります。
まとめ
消費税増税後に、住宅ローンを組んだ方はローン控除が3年延長されます。これは嬉しいですね。この延長を使うには2020年12月31日までに入居しなければなりません。
ご存知でしたか?消費増税後のお得その2
すまい給付金
すまい給付金とは、消費税が引き上げられることによって住宅取得者の負担が増えるため、その負担を緩和するために作られた制度です。
住宅を取得すると、多くの人は住宅ローン減税によって所得税等から一定の金額が控除されますが、所得の低い人には控除の金額が少なくなります。
住宅ローン減税のこうかの少ない収入層に対して、消費税率の引き上げによって増えた負担をすまい給付金で緩和しようという仕組みです。
「すまい給付金」の拡充!最大50万円
すまい給付金の拡充は、給付基礎額の上限が最大30万円から50万円になったことです。
対象となる世帯収入額も増えて、最大510万円から775万円に増えました。
これで恩恵をこうむる世帯も増えます。
給付額と収入の目安
450万円以下・・・・・・・・・50万円
450万円超525万円以下・・・・40万円
525万円超600万円以下・・・・30万円
600万円超675万円以下・・・・20万円
675万円超775万円以下・・・・10万円
収入の確認方法は、各市町村が発行する課税証明書に記載された都道府県民税の所得金額で確認できます。
都道府県民税は、扶養者の人数や年齢などでも変わってきますので課税証明書で確認してみてください。
給付金をもらうための条件
・自ら暮らすためのマイホーム購入、建てた場合
・購入した物件の床面積が50平方メートル以上
・返済期間が5年以上の住宅ローンを組んだか、ローンを組まずに購入した50歳以上の人
・2021年12月31日までに居住すること。
すまい給付金の手続方法
すまい給付金の申請は、住宅取得者が入居後に給付申請書と確認書類を「すまい給付金事務局」へ郵送もしくは「すまい給付金申請窓口」へ持参します。
申請期限は、住宅の引き渡し後1年以内になります。
まとめ
収入も775万円以下と、対象となる方が増えました。
住宅ローン減税は所得の高い人ほど多く還付されますが、すまい給付金は所得の低い人ほど給付金は多くなります。
すまい給付金は手続きしないともらえません。
ご存知でしたか?消費増税後のお得その3
マイホーム購入の非課税枠
そろそろマイホームを購入したいと親に相談したところ「援助するよ」と嬉しい資金援助ありがたいですね。遠慮なく資金援助受けましょう。
贈与税の心配しているでしょうが、住宅購入のための援助は贈与税がかかりません。援助していただけるのであれば、うまく利用したいものです。
贈与税の基礎控除額
住宅の取得に関わらず、1年間に110万円を超えなければ、110万円の基礎控除がありますので贈与税は発生しません。
住宅取得資金の贈与を受けた場合の非課税制度
両親から資金援助を受けた場合は、贈与税がかかりますが、家の購入の場合、贈与税がかからない方法があります。
住宅の購入、新築、増改築をするために、親や祖父母から資金を出してもらう場合「住宅取得資金贈与税の非課税」という制度が利用できます。
非課税枠は最大1,200万円から、10月1日以降最大で3,000万円になります。
19年10月1日から2020年3月31日
一般住宅2,500万円
一定基準を満たす住宅3,000万円
消費税8%のときは
一般住宅700万円
一定基準を満たす住宅1,200万円
とかなり拡大されています。
2020年4月1日から2021年3月31日
一般住宅1,000万円
一定基準を満たす住宅1,500万円
2021年4月1日から2021年12月31日
一般住宅700万円
一定基準を満たす住宅1,200万円
普通の贈与の非課税枠110万円と併用すればその分増えます。
贈与の予定ある人は、早ければ早いほどいいようです。
この制度は2021年12月31日までに、父母や祖父母など直系尊属からの贈与により、自分が住むための住宅を購入、新築、または増改築をした場合に適用されます。
一定基準を満たす住宅とは「断熱等性能等級4または一次エネルギー消費量等級4以上」「耐震等級2以上または免震建築物」「高齢者等配慮対策等級3以上」のいずれかに該当するものです。
まとめ
こどもに贈与する場合、この制度をうまく使うといいですね。
贈与額が大きいほど、早めのほうが良いです。2020年3月31日までなら最大3,000万円です。
贈与を受けた翌年の3月15日までに住宅の引き渡しを受けて居住することが条件です。
ご存知でしたか?消費増税後のお得その4
次世代住宅ポイント制度
次世代住宅ポイント最大35万ポイント
新築住宅とリフォームでポイントを受けられますが、ここでは新築住宅のご説明をします。
ポイント貰える人は
住宅を新築する人、新築分譲住宅を購入する人です。
所有者自らが居住する住宅であること。
ポイントの発行要件とポイント数
一定の性能を有する住宅は30万ポイント
更に高い性能の住宅はプラス5万ポイントになります。
一定の性能を有する住宅
・エコ住宅:耐震等級4または一時エネ等級4を満たす住宅
・長持ち住宅:劣化対策等級3かつ維持管理対策等級2等を満たす住宅
・耐震等級:耐震等級2を満たす住宅または免震建築物
・バリアフリー住宅:高齢者等配慮対策等級3を満たす住宅
更に高い性能の住宅
加算ポイント5万ポイント
・認定長期優良住宅
・認定低炭素住宅
・性能向上計画認定住宅
・ZEH住宅
新築分譲住宅購入の場合は、2020年3月31日までに不動産売買契約を締結したもの。
ポイント発行申請期間は2020年3月31日までになります。
ポイントは次の商品等と交換します。
交換商品カテゴリー
・家電 ・インテリア ・雑貨、日用品
・地場産業 ・食料品・飲料 ・福祉、介護用品
・スポーツ・健康増進 ・防災、避難用品
・ベビー・キッズ用品
交換商品は、かなりの種類数があり随時追加されています。
ポイント交換商品はこちらをご覧ください。
まとめ
新築住宅を購入して、ポイントをもらうには2020年3月31日までに売買契約しなければなりません。
最大で35万ポイントもらえるならもらっておきたいものです。引き換え商品の種類もかなり多くありますので楽しみです。
住宅ローン準備お済ですか!
【住宅ローン】手間のかかる審査申し込みを一度で!まずはシミュレーションから
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Regarding preferences for policy proposals, some studies from the UK tend to demonstrate that, as houses are fixed assets, right-wing homeowners who have seen an increase in their property value tend to be less favorable to redistributive policies and social insurance programs.
Davidson, Kate (February 14, 2019).
But, you must take care while trading on margin as it amplifies losses along with profits.
Though Korean War restrictions held 1951 car production to 268,566, Studebaker actually increased its market share from 4.02 to 4.17 percent.
Yoga Adhola, UPC Web site.
How Far Can a Typical Electrical Car Travel on a Single Charge?
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Jaiswal, Vishal. “Types of Inventory and Quality Requirements”.
Arabtec Holdings: In 2013, Ismaik was appointed as CEO of Arabtec Holdings, the largest construction company within the GCC, which had a total market capitalization of nearly US$6.82 billion at that time.
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NFTs work like cryptographic tokens, but they aren’t interchangeable because all NFTs represent different assets and can hold varying values.
The Swiss federal government announced a $20.4 billion business credit-line program and the Swiss National Bank announced the creation of a refinancing facility with an unlimited supply of credit for the Swiss banking system.
If something happened to the company you bought these books from, the content would no longer be available to you.
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Empresas Copec (April 9, 2018).
In Australia the commerce affiliation representing the residential housing trade is the Housing Industry Affiliation.
This acceptance of support broke from previous observe; many occasions up to now, together with during Hurricane Dennis, the United States provided support, but the Cuban authorities declined.
The first greenback, honoring George Washington, was launched into circulation on February 15, 2007.
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Here, it’s not essential to prove one’s monetary safety before receiving a mortgage, because the money is given to a group of ladies, who control one another to make it possible for the sum will be paid back certainly.
Huang, Eustance (31 March 2020).
Some commentators also criticized the method.
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The self-serve model feels very accessible, because you can taste the wines and decide what you like without the pressure of a wine pro standing over your shoulder.
Users are assigned their very own loginwindow after they log in; if a loginwindow course of belonging to a specific user is pressure quit, they are going to be logged out.
Simons and his spouse also have made major grants to Berkeley affiliates, notably to the Simons Laufer Mathematical Sciences Institute and Berkeley Lab.
H9: Housing production. Net number of housing units produced per 1000 population.
Once you have a verified account on Unocoin, you will be eligible to buy and/or sell 10 BTC in one day, as per the limit set by Unocoin.
Rings are astounding and stylish; these accessories can instantly add the element of fashion of glamour to a woman’s look and make her appear beautiful and awesome.
One usual suspect can be fixed assets where it is likely that for example the book value of property can deviate significantly from its fair market value.
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All eurozone economies will take part in funding this mechanism, whereas other EU members can select whether or not to participate.
Real estate funds have only made things interesting.
In 1988, brass 10, 20, 50 and a hundred dinara have been introduced.
Hart. A funeral service was held in Jacksonville, and a a lot larger one in Chicago, which more than 5,000 folks attended – together with Black civil rights activist Ida B. Wells, who eulogized Coleman.
He also places a trailing stop order at $10 which will sell the stock if the price drops to $10 from its current high.
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