利息在多少比较合适?

晕倒。。。。

利息不是你所能控制的。

你可以自己算一个 yield 呀

Buy-to-let landlords are being urged to check they are on top of their tax bills after it emerged that tens of thousands are making errors in tax returns. Some newspaper reports have talked alarmingly about a lettings crackdown.

But Revenue & Customs spokesman Patrick O'Brien says: 'The idea that we're dragging in hordes of buy-to-let investors to face some medieval inquisition is just so wide of the mark.'
The Revenue is worried that some landlords are confused about tax. It reckons 80,000 may not be paying the right amount. Financial Mail answers the important questions:

Why is there confusion?

Tax can be opaque at the best of times. But letting property adds a new layer of complexity, not least because the tax rules are completely different from those that apply to selling your own home or renting out a room.


What are the basics?

Rent paid on a property is liable to income tax just like earnings from employment or a pension. However, landlordscan claim allowances to offset their letting tax bill.

Leonie Kerswill, tax partner with accountant PwC, says: 'There is some scope for confusion in calculating income tax, but we find the errors are often in favour of the Revenue, with landlords failing to claim all their allowances.'

What can you claim for?

There is a long list of expenses that can be set against rental income. Top of the list is interest on the mortgage used to buy a letting property or properties. But this does not include mortgage capital repayments.

Other costs that can be claimed include insurance paid by the landlord and any fees due to a managing agent.

Landlords can claim ten% of the annual rent against 'wear and tear' - the cost of replacing furnishings over time. Other permitted expenses include legal and accountancy fees related to the letting.

Daniel Layzell, 30, has been a landlord for more than six years and has found it pays to take professional advice on tax.

Daniel, who owns three rental properties in Clacton-on-Sea, Essex, says: 'I used an accountant to help me submit tax returns for the first two years and that taught me what I needed to do and showed how I could claim for things like wear and tear. For the past four years I have been doing my own tax.'

How onerous is the process?

Landlords must declare their income on a tax return. If the renting income is more than £15,000 a year, they must submit a full return. If less, they may be able to send in a four-page return.

Daniel, a printer who lives in Colchester, Essex, says: 'It is one of the chores you dread, but when you get down to it, it is not that demanding.'

What happens when you sell?

Uunlike your main residence, investment properties are not exempt from capital gains tax at 40% on any sale profits. But the bill can be reduced.

Everyone has an annual CGT exemption - the first £9,200 of profits in any tax year are free from tax. There are also reductions for those who have owned a property for more than three years. This taper relief can reduce the CGT bill by up to 40%. And there are further reliefs for those who have previously lived in the property.

Just be careful.
One of our clients who owned 5-6 properties last year worth several millions.
But suddenly one deal went wrong, and she is now bankrupt.
Real life, real pain in the ass

这个纯粹乱搞么

我朋友在伦敦搞了6处房子了，差不多贷了 1.5 million

还不错呢

很好奇，什么样的一个deal能导致这样的结果啊？资金周转不开也能申请贷款阿。

Of course there are so many successful cases. Those unsuccessful ones like this particular client will soon be forgotten.
I have no idea what really happened to her. I saw her last month quite often, frustrated and poorly dressed,claiming even no place to stay.
Don't be upset, she is just an odd. Most people made and are making money

完全可能的啦。

拥有好几套房子，可能都是靠的mortgage，每个月收租金还银行。真正自己拥有的资本并不多。如果现金流出了问题。如突然要交一大笔税，或者有一套房子出了问题，租不出去还要一大笔钱维修。这样就没有办法还mortgage了。挺不下去，就破产咯。

当然也可以卖房子，但如果买了没多久，涨得还不多，或者当初就买贵了。卖了房子，扣掉mortgage，也拿不了多少钱。不一定够补窟窿的。

割肉不够快哈哈