申報所得稅

on Dec 02 in UK Only tagged by

又到了要提醒在英國有工作的眾家姊妹們申報所得稅的時候了,一月底是最後期限.
可以在 HMRC 的 Self-Assessment 網站 上搞定,快速又簡便,先上網申請帳號及密碼,這些資訊會在幾天內就郵寄到家,然後就可以在網路上完成所得稅申報囉.

因為預產期在一月,擔心到時候顧著生小孩可能會沒空或者忘記申報所得稅,所以提前在這個月先處理好,免得逾期被罰款.
今年的免稅額度 (Personal Allowance) 提高到 5035 英鎊囉,詳情請參考 HM Revenue & Customs 網站.


每年到了這個時候,我們也都會順便處理繳了稅金之後剩下來的存款,看是要放進 ISA,多繳些房貸,還是在下一年中另做打算.
根據 Daily Telegraph 昨天的最新報告,能夠隨時將存款提領出來的 ISA 帳戶中,以 Direct ISA 利息最高達 6.30%.
能夠靈活運用的 ISA 帳戶對我個人來說最為重要,因為天有不測風雲,人有旦夕禍福,啥時需要這筆錢誰都說不準.
ISA (Individual Savings Account) 是英國政府允許每人每個會計年度 (以4月6日為起始日) 可有 3000 英鎊不必繳稅的存款.
下一個會計年度起,就是 2008年4月6日 之後,這個 ISA 上限會調漲到 3600 英鎊喔.

房貸肯定是持家最沉重的負荷了,一年若能多繳個 2000 英鎊,就可以提早 2 年多繳清了.
但是最近財經專家們都說 英國的利率有下降的趨勢,所以到底是該把錢存起來呢?還是該拿去繳房貸?這就是要思考的地方了.
目前為止,ISA 的利息仍是高過於我們家的房貸利率,所以把多餘的錢放進 ISA 賺利息會是比較明智的決定.
如果你們家的房貸利率高過於 ISA 的利息,把錢拿去多繳些房貸就會比存起來划算...持家大不易阿!

297 Comments

  • Winne says:

    哇哈哈~

    英國的恐怖稅金來囉呀!!!

    嘿嘿~還好還好~今年又可以順利的逃過了!

    英國稅金太高了,也是我跟我家老外不想住英國的原因之一,

    還記的前年…為了我們家老外的履歷要好看一點,回英國

    找了一份待遇非常好,職務也很高的工作,可是….= =

    光扣稅…就被扣了每個月約40%的錢了…= =”

    一見踏板就又馬上回到overseas囉!嘿嘿嘿嘿…

  • jesi says:

    歐洲房貸利息低~~當然是要慢慢還才是王道啊~~
    華人不愛欠債~~但是借低理財投資保值算盤可要打得精咧~~
    欠債並不可避免~~就看收入大於支出才是基本盤!

  • 繳房貸本金省利息和存款生利息相比較時,
    要把利息收入要繳的20%(高所得者是40%)稅金考慮進去,
    也就是說,如果存款利率是 6%,實質利率就只剩下 5%(6%*80%)。

    ISA的利息不用扣稅,可能是唯一有可能比拿去還房貸還划算的選擇了。

  • emily says:

    dear Winne,
    我倒住得挺開心的耶, 雖然稅金是貴一點, 但回收也很優渥嘛, 而且聰明操盤的話其實可以節省下不少稅金喔!

    dear jesi,
    英國目前的機動房貸利率可是在7.0%左右耶! 比起台灣的3%不到, 那才叫做低阿!! 如果英國也能降到3%, 那我大概45歲就可以退休養老了….

    dear 五色鳥,
    的確, 一般的活期存款未必划算, 所以才更要充分利用 ISA.

  • Ronia says:

    我老公以前都有人專門幫他報稅ㄟ~沒必要嗎?那我今年來幫他報好了=.=

  • emily says:

    dear Ronia,
    每個人的財務狀況不同, 如果他的很複雜, 那就有可能需要請專業人士幫忙吧.
    大部分的人只有一份工作, 一份收入, 那極為簡單, 都是可以自己處理的, 不必花錢請人, 自己也長一點知識唄.

  • Ronia says:

    恩以前比較複雜現在應該簡單多了..我以前在台灣都自己報稅的但我聽說..英國大部分都是請別人幫忙申報…不知道是否真有此事….

  • emily says:

    dear Ronia
    我身邊的朋友若是上班或者自己開業但生意不大, 大都是自己報稅的. 請人報稅的也有, 但比例上少, 大概十分之一或更少吧. 這是英國普遍的情形, 還是剛好我身邊都是這種人, 那我就不知道了耶.

  • 恩媽 says:

    什麼?! 不報稅要罰錢!?
    如果你要生了政府應該會通融一下吧?
    不然就很沒人性了耶

  • emily says:

    Dear 恩媽,
    不報稅輕者會被罰錢, 重者會被抓去關, 這連在台灣都一樣哪.
    因為報的是去年的所得, 所以理論上是有一整年的時間可以報稅的, 實在沒有理由說我懷孕就沒空報, 因此這是說不過去的啦, 還是乖乖地趕緊報比較妥當. 我已經在月初就寄出完成報稅啦.

  • Linda says:

    Hello Emily,

    想請問一下~你的ISA Account是一來沒多久 就開了嗎?? 還是 有一段時間?多久呢?

    I have been waiting to open an ISA but it requires my last 2 years address..which would include the time in Taiwan. :(

    Anyway, hope all is well you. I guess it should be the time that you gave a birth? :)

    Wish you all the best 2008~

    Linda

  • Ayumi says:

    謝謝Emily 
    我在英國住3年 從來未報所得稅 怎辦??
    但每月打工薪都有扣稅呀!!
    被扣稅後 還是申報嗎?是否就如台灣的一年一度報繳所得稅
    我今年和英國籍男友結婚 明年是分開報或合併報
    台灣是結婚當年可分開報 以後則要合併報
    拜託Emily 解我迷惑
    感恩啦!!
     

  • emily says:

    dear Linda,
    我是在第一次報所得稅的時候開的ISA戶頭, 所以應該是來英國差不多快滿一年的時候吧.

    Dear Ayumi,
    如果薪資單上已經有扣稅, 妳報稅說不定還能拿一點稅金回來呢, 像我的雇主都總是扣太多稅!
    我和老公是分開報喔.

  • Ayumi says:

    Dear Emily:
    謝謝妳 我會努力學會報稅
    妳真棒!!

  • Debbie says:

    Hello Emily

    請問一下 ISA的£3600免稅帳戶是指最多只能放£3600在這戶頭嗎?
    多放一些可以嗎?
    還是有點霧煞煞

    謝謝

    Debbie

  • emily says:

    Dear Debbie,
    不管你有幾個 ISA戶頭,每年最多可以存3600英鎊在ISA戶頭裡, 第二年就可以再存3600英鎊, 以此類推.

  • Debbie says:

    謝謝Emily….
    真的很清楚 超感謝的!^_^a

    Debbie

  • Debbie says:

    謝謝Emily….
    真的很清楚 超感謝的!^_^a

    Debbie

  • pomme pomme says:

    Hello Emily! 想請問如果我不住在英國, 但有英國的租金收入, 還在免稅的範圍內, 還需要報稅嗎?謝謝 : )

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