tag:blogger.com,1999:blog-12752308054105612832024-03-06T12:22:00.012+08:00新店房屋 新店區房屋 (首選) 買屋賣屋 出租出售 新店房屋 新店區房屋 文山區房屋 買屋賣屋 出租出售 客戶多 成交快 歡迎委託 0958303118 (找對人比品牌更重要) 賈大粉絲團 甲大趴趴走 帶你看房 買房賣房 認識房產 分享有趣新鮮事賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.comBlogger199125tag:blogger.com,1999:blog-1275230805410561283.post-31131760169912386102021-07-09T07:38:00.001+08:002021-07-09T07:38:17.604+08:00房地合一稅 2.0 - 2021 7/1 上路<div><br></div><div>房地合一稅 2.0 - 2021 7/1上路</div><div><br></div><div>改革重點</div><div>【 短期套利者課重稅】 【 法人比照個人課稅】 【擴大房地課稅範圍】 【土地漲價總數額設上限】【五種交易不受影響】【施行日期】</div><div><br></div><div>110年4月28日總統公布修正《所得稅法》部分條文,精進房地合一所得稅制度,期能抑制短期炒作不動產、落實居住正義,並防杜規避稅負及維護租稅公平。六大改革重點一次看!</div><div><br></div><div><br></div><div>短期套利者課重稅</div><div><br></div><div>重點一:短期套利者課重稅</div><div><br></div><div>作法:延長個人房地短期交易所得課重稅(35%、45%)的持有期間。</div><div>目的:抑制個人短期炒作不動產。</div><div>重點1</div><div><br></div><div>註:境內個人持有期間超過5年、非境內個人持有期間超過2年適用稅率不變。</div><div><br></div><div><br></div><div>法人比照個人課稅</div><div><br></div><div>重點二:法人比照個人課稅</div><div><br></div><div>作法:營利事業比照個人,按持有期間採差別稅率,分開計稅。</div><div>目的:抑制營利事業短期炒作不動產,防止個人藉由設立營利事業進行房地短期交易避稅。</div><div>重點2</div><div><br></div><div>註:境內營利事業持有期間超過5年、境外營利事業持有期間超過2年適用稅率不變</div><div><br></div><div><br></div><div>擴大房地課稅範圍</div><div><br></div><div>重點三:擴大房地課稅範圍</div><div><br></div><div>作法:將「預售屋交易」及「實質移轉房地的股權交易」納入課稅。</div><div>目的:抑制預售屋炒作,防杜以股權移轉方式炒作不動產,規避房地交易所得稅負。</div><div>重點3</div><div><br></div><div><br></div><div>土地漲價總數額設上限</div><div><br></div><div>重點四:土地漲價總數額設上限</div><div><br></div><div>背景:現行計算房地交易所得可減除土地漲價總數額(如下圖),少數民眾藉由高報土地移轉現值,墊高土地漲價總數額,以減少交易所得,規避35%、45%的所得稅負。</div><div>作法:「土地漲價總數額」以公告土地現值所計算的數額為限。</div><div>目的:防杜高報土地移轉現值來增加可減除的土地漲價總數額,規避房地交易所得稅負。</div><div>重點4圖</div><div><br></div><div><br></div><div>四種交易不受影響圖</div><div><br></div><div>重點五:五種交易不受影響</div><div><br></div><div>作法:五種房地交易型態不受修法影響。</div><div>目的:抑制投機炒作,避免波及無辜。</div><div>重點55種交易不受影響</div><div><br></div><div><br></div><div>施行日期</div><div><br></div><div>重點六:施行日期</div><div><br></div><div>個人及營利事業自110年7月1日起交易105年1月1日以後取得之房地,適用房地合一稅2.0。</div><div><br></div><div>https://www.mof.gov.tw/houseandland/</div><div><br></div><div><div class="separator" style="clear: both; text-align: center;">
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</div><br></div>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-24250753339101259442021-05-22T07:39:00.003+08:002021-05-22T08:05:22.152+08:00財產不要白白贈與給子女,記得做這件事<p>財產不要白白贈與給子女,記得做這件事</p><p>常在報章雜誌上看到新聞:老一輩的把房產贈與給子女,結果子女卻對父母不理不睬、沒盡到奉養的責任,讓父母失望至極。</p><p><br /></p><p>還曾看過一則報導是: 老翁把房子贈與給兒子,結果他卻沒對父親盡到奉養的義務,於是老翁有天就雇用怪手,把他送給兒子的透天厝整個鏟平。</p><p><br /></p><p>如果你要照顧兒女,確實是不要這樣直接贈與,要留點後路先照顧好自己,把退休、老年安養都安排好了,再來把部分財產贈與給小孩,這一部分贈與出去的財產是不會影響你的退休安養計畫的。</p><p><br /></p><p>如果要贈與不動產給子女應該要怎麼做,可以讓你贈與完還保有控制權?雖然民法有不孝條款贈與撤銷權,民法第416條有這樣的規定:</p><p><br /></p><p>「受贈人對於贈與人,有左列情事之一者,贈與人得撤銷其贈與:一、對於贈與人、其配偶、直系血親、三親等內旁系血親或二親等內姻親,有故意侵害之行為,依刑法有處罰之明文者。二、對於贈與人有扶養義務而不履行者。前項撤銷權,自贈與人知有撤銷原因之時起,一年內不行使而消滅。贈與人對於受贈人已為宥恕之表示者,亦同。」</p><p><br /></p><p>但是這個要經過訴訟,律師費將是一筆不小的開銷,而且你還不一定會贏。如果要贈與不動產給子女,可能會有以下幾種情形:</p><p><br /></p><p>1.房子給子女後辦設定抵押權</p><p><br /></p><p>房子給子女後,為了怕子女以後不盡到扶養的責任,有些父母會去做一個動作: 辦設定抵押權。舉例父親贈與1,200萬的房子給兒子,設定抵押權額度800萬,變成是兒子對父親負債800萬。</p><p><br /></p><p>設定抵押權的目的在確保債權, 如果債權已屆清償期而未獲清償,抵押權人就可以依據民法的規定:民法第873條:抵押權人,於債權已屆清償期,而未受清償者,得聲請法院拍賣抵押物,就其賣得價金而受清償。抵押權是指債務人將財產做債權擔保,如果逾期不還款,債權人則享有法拍該財產後的優先受償權。</p><p><br /></p><p>這樣設定抵押權的目的是:對子女產生一牽制效用,子女可能不敢不盡孝道,或是私下把房子賣了。不過這其中也陷阱存在,如果父母設定抵押權額度設定太高,萬一父母過世抵押權額度會變遺產,列入遺產總額中計算遺產稅。抵押權額度設定太低,子女可能再去去辦二胎貸款,欠下負債等。</p><p><br /></p><p>2.不動產贈與子女要避免被追贈與稅</p><p><br /></p><p>有些人贈與房子,是直接買房子登記在子女名下,因為無資金來源證明,無法證明子女是有能力買房的,這樣子就要小心國稅局會認定是贈與,追你贈與稅。</p><p><br /></p><p>國稅局曾公告一案子,父親購買預售屋,完工交屋時登記兒子名下,房屋及土地之買賣總價款3,500萬元,父親繳了自備款1,100萬元,剩下金額是銀行貸款繳付,再由兒子按期償還銀行貸款及利息。國稅局認為其子剛退伍,收入不高,並無相當資力購置該等不動產,而且也無法提供資金來源證明,最後被國稅局核定以贈與論,被課徵贈與稅近100萬元。</p><p><br /></p><p>另外,如果房子給子女是採用附有負擔的贈與,亦即父母將房子辦貸款後,再連同房貸一併贈與過戶給子女。這樣做的好處是可省下贈與稅,也可一次移轉省下稅務規費。按:遺產及贈與稅法第21條:贈與附有負擔者,由受贈人負擔部分應自贈與額中扣除。所以兒子承接的房貸是可以自贈與總額中扣除的,以降低贈與總額,亦即該房子的土地公告現值及評定課稅價值的總和,扣除房貸金額後再據以計算應繳納的贈與稅。</p><p><br /></p><p>舉例:如果你要贈與給子女的房子,土地公告現值與房屋課稅現值總計8,900萬,貸款3,500萬,土地增值稅與契稅280萬。這時你要繳的贈與稅是:(8,900萬-220萬贈與免稅額-3,500萬貸款-280萬土地增值稅及契稅)×15%-125萬=610萬(應納贈與稅額),贈與的淨額是已經扣除貸款金額,所以要繳的贈與稅降低了。</p><p><br /></p><p>贈與淨額</p><p><br /></p><p>這時要注意的是貸款的額度多少,如果以貸款3,500萬,貸款利率2%、貸款年期20年計算,1個月房貸是17萬6,765元,1年是212萬,還沒超過贈與免稅額220萬,因此父母可以每年贈與子女212萬讓子女來繳房貸。如此就能讓父母贈與房子後,每年分次贈與現金給子女,幫子女繳房貸,可合法節稅。</p><p><br /></p><p>不過要注意的是:父母贈與給子女的房產,不能在短期內出售,否則會面臨高額的稅負。現在房地合一稅的稅率認定,以其持有房屋、土地期間長短,會適用不同的稅率:</p><p>1.持有期間在1年以內:45%。</p><p>2.持有期間超過1年、未逾2年:35%。</p><p>3.持有期間超過2年,未逾10年:20%。</p><p>4.持有期間超過10年:15%。</p><p><br /></p><p>而如果符合「戶籍登記自住」、「居住滿6年」、且「無出租或供營業使用」這些條件,則以後出售可適用10%優惠稅率,並享有免稅額400萬元。</p><p><br /></p><p>要贈與不動產給子女,又怕子女不孝,或亂處分不動產,其實你贈與房子後可以這麼做:</p><p><br /></p><p>父母贈屋給子女後以不動產做「自益民事信託」:以父母為受託人,子女為房屋的委託人與受益人,這時候受託人為房屋所有權人,能全權管理處分房產。辦理信託後房子會被註記為信託財產,如果子女要用房子去辦貸款,銀行一看登記簿謄本房子是信託財產,銀行將不願意借款。而信託專簿謄本中如果已註明: 信託契約載明信託目的包括出售(或處分),則委託人已經失去自行出售(或處分)之權利,因此無法買賣。</p><p><br /></p><p>信託可分為2種,一是自益型信託,也就是委託人和受益人是同一人; 二是他益型信託,委託人將信託利益贈與受益人。如果是他益型,委託人在生前就成立信託、把財產轉入信託時,屬於贈與行為。這時因為我們做的是自益信託,不用繳增值稅贈與稅,但是如果你做他益型信託(例如委託人是父母,受益人是子女) ,這樣是算贈與,信託成立、移轉財產就要繳贈與稅增值稅。</p><p><br /></p><p>做自益信託的好處是什麼?</p><p><br /></p><p>1.不用繳土地增值稅與贈與稅,相關法規如下:</p><p><br /></p><p>§.土地增值稅</p><p><br /></p><p>土地稅法第28條之3第1款: 土地為信託財產者,於因信託行為成立,委託人與受託人間移轉所有權,不課徵土地增值稅。</p><p><br /></p><p>§.贈與稅</p><p><br /></p><p>遺產及贈與稅法第5-2條: 信託財產於左列各款信託關係人間移轉或為其他處分者,不課徵贈與稅:</p><p><br /></p><p>一、因信託行為成立,委託人與受託人間。</p><p><br /></p><p>二、信託關係存續中受託人變更時,原受託人與新受託人間。</p><p><br /></p><p>三、信託關係存續中,受託人依信託本旨交付信託財產,受託人與受益人間。</p><p><br /></p><p>遺產及贈與稅法第5-1條:信託契約明定信託利益之全部或一部之受益人為非委託人者,視為委託人將享有信託利益之權利贈與該受益人,依本法規定,課徵贈與稅。</p><p><br /></p><p>意思是說他益型信託,例如委託人是父母,受益人是子女,受益人跟委託人不同人,是要課贈與稅的。</p><p><br /></p><p>因此如果我們成立的是:委託人和受益人是同一人的自益型信託,信託的委託人和受益人都是子女,所以不用繳贈與稅。而受託人是父母,這時因為是委託人與受託人間移轉所有權,所以不課徵土地增值稅。</p><p><br /></p><p>2.不動產註明為信託財產,子女無法買賣處分</p><p><br /></p><p>如果你把不動產贈與給子女,不想讓他們隨便買賣處分的話,註記為信託財產就有這樣的作用。當你要買房子時,你一定要先申請土地建物登記謄本,查看產權是否清楚。這時如果發現該產權尚有註記「信託財產內容詳信託專簿」、「委託人XXX」時,應向登記機關申請影印信託專簿,才能知道賣方是現登記名義人(即受託人)或原所有權人(即委託人)。</p><p><br /></p><p>若賣方是受託人,他是否獲有出售該房地的授權,看信託契約書信託目的欄就可以知道;若賣方是委託人,而信託契約已載明信託目的包括出售(或處分),則委託人已經失去自行出售(或處分)之權利。換句話說以父母當受託人,子女為委託人的自益信託,信託契約也有載明信託目的包括出售(或處分)時,子女就無法出售或處分該不動產了。</p><p><br /></p><p>按:土地登記規則第131條信託登記完畢,發給土地或建物所有權狀或他項權利證明書時,應於書狀記明信託財產,信託內容詳信託專簿。</p><p><br /></p><p>第132條土地權利經登記機關辦理信託登記後,應就其信託契約或遺囑複印裝訂成信託專簿,提供閱覽或申請複印</p><p><br /></p><p>信託專簿又是什麼呢?信託專簿是信託登記案件影本,地政事務所除了有「登記簿謄本」外,還有「信託專簿謄本」也是公開的資訊,任何人也都可以申請調閱。信託專簿謄本就像一般的土地建物謄本一樣;只要有地號(建號)等基本資訊,就可以申請信託專簿謄本。藉由信託專簿,你就可以知道如果該不動產是信託財產時,與你做交易的賣方是否有權利可以出售該不動產,以避免掉買賣糾紛。</p><p><br /></p><p>雖然天下父母心可能都想照顧子女,讓他們過較好的生活,因此會贈與子女財產等。不過最好是有個完整的規畫,要預留後路,先把自己退休養老顧好,再來談照顧子女。不要像這些報導中的例子,把房產贈與給子女後,結果子女不奉養盡孝,自己的生活就會出問題,無法安心養老。</p><p><br /></p><p>資料來源 https://www.phew.tw/article/cont/phewpoint/current/topic/8161/201912038161</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh76Pk88VoZDl5VE_soEl6jEoN5m_fY4H9uWQ9RxeJK24iuFJbb9tz6i5GgImVEYTupJ9ujyq2VdTP91meDjO6lm3kZyXGrKqTy1RA4drkfpKp49cMonQBwOd_QGP3mMzgJCzhj4EH19RM/s800/web_pic_2019_12_03_09_36_21.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="530" data-original-width="800" height="424" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh76Pk88VoZDl5VE_soEl6jEoN5m_fY4H9uWQ9RxeJK24iuFJbb9tz6i5GgImVEYTupJ9ujyq2VdTP91meDjO6lm3kZyXGrKqTy1RA4drkfpKp49cMonQBwOd_QGP3mMzgJCzhj4EH19RM/w640-h424/web_pic_2019_12_03_09_36_21.jpg" width="640" /></a></div><br /><p><br /></p>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-12849939188147741142021-02-05T14:17:00.001+08:002021-02-05T14:17:14.643+08:00木鱉果 初體驗 木鱉果,又名木虌子、木鱉子、藤桐子,是一種葫蘆科苦瓜屬的草本植物。 木鱉果為多年生草質藤本,卷鬚與葉子對生,不分枝;圓形至闊卵形的葉片,通常三深裂,背面密生小乳頭狀突起;夏季開淺黃色花,花單性、雌雄異株,花柄上具有苞葉;長橢圓形果實,表面生多數軟刺,成熟時呈紅色。 維基百科 (網路截圖)<div><div class="separator" style="clear: both; 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</div><br></div>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com1tag:blogger.com,1999:blog-1275230805410561283.post-17185950507448232482021-01-05T14:36:00.001+08:002021-01-05T14:36:33.537+08:00台股突破15000點大關再創新高 台積電攻上542元<div>台股突破15000點大關再創新高 台積電攻上542元 最後更新:2021/01/05 14:25</div><div><br></div><div>(中央社記者吳家豪台北5日電)台股資金行情延續,在權值電子股鴻海大漲4%、鋼鐵股走揚,尾盤逾6000張買盤拉抬台積電下,終場指數收在最高15000.03點、上漲98點,續寫台股新紀錄。</div><div><br></div><div>受到美股3大指數收黑影響,台股今天開高走低,盤中低點來到14861.99點、下跌約40點;然而鴻海、台積電領軍電子股反攻,終場加權指數收在15000.03點,上漲98點,漲幅0.66%,成交值放大到新台幣3471.95億元。</div><div><br></div><div>今天主流族群的鋼鐵股上漲2.7%,電子股漲1.11%,紡織股漲0.15%;塑膠、食品、水泥類股表現較弱,分別下跌1.21%、0.77%、0.23%。</div><div><br></div><div>台積電美國存託憑證(ADR)大漲2.4%,帶動今天股價走揚,終場收在542元、漲幅1.12%,成交量約3.42萬張。鴻海盤中股價來到105元、創波段新高,終場收在104元,漲幅4.1%,成交量高達23.14萬張。</div><div><br></div><div>鋼鐵股今天表現強勢,中鋼漲4.21%,收在26元;中鴻大漲7.88%,收17.8元;新光鋼漲2.65%,收在40.7元。</div><div><br></div><div>華冠投顧分析師白易弘指出,台積電尾盤勁揚,推升大盤越過15000點,代表多頭格局有望延續到農曆年前,但12月營收即將公布,選股需謹慎。(編輯:黃國倫)1100105</div><div><br></div><div>電子喊衝 台股漲98點站上15000點大關</div><div><br></div><div>(中央社台北5日電)台北股市今天開高震盪收紅,收盤漲98點,漲破15000點大關,為15000.03點,漲幅0.66%,改寫歷史新高,成交金額新台幣3471.95億元。</div><div><br></div><div>加權指數開盤為14913.64點,盤中最高15000.03點,最低14861.99點;不含金融股指數13207.58點,漲94.08點。</div><div><br></div><div>八大類股漲跌幅:泥窯股跌0.69%、食品股跌0.77%、塑化股跌1.18%、紡織股漲0.15%、機電股漲1.11%、造紙股跌1.79%、營建股跌0.40%、金融股漲0.14%。</div><div><br></div><div>委買張數1758萬177張,委賣張數1386萬6371張,成交張數914萬5368張。</div><div><br></div><div>收盤時上漲347家,下跌515家,持平98家。</div><div><br></div><div>成交量前5名個股為長榮、中鴻、鴻海、富邦VIX、群創。</div><div><br></div><div>漲幅前5名個股為志信、偉聯、隴華、明泰、廣宇。</div><div><br></div><div>跌幅前5名個股為虹光、業旺、詮欣、麗正、光磊。1100105</div><div><br></div><div>https://www.cna.com.tw/news/firstnews/202101055004.aspx</div><div><div class="separator" style="clear: both; text-align: center;">
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</div><br></div>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-17301574130108800022020-12-31T15:29:00.001+08:002020-12-31T15:35:57.723+08:00感恩!祝大家新年愉快,業績長紅,身體健康,萬事如意,心想事成 …<div><div>感恩!祝大家新年愉快,業績長紅,身體健康,萬事如意,心想事成 …</div><div><br></div><div>台股全年大漲2735點 股王大立光跌幅達36% 最新更新:2020/12/31 14:30(中央社記者蔡芃敏台北31日電)台股封關收紅,加權指數收在14732.53點,上漲44.83點,2020全年上漲2735.39點。台積電拉尾盤,終場收在新台幣530元、上漲5元,刷新歷史新高價。</div><div><br></div><div>不過,股王大立光今年走勢與台股不同調,大立光從去年封關日收盤5000元一路走跌,今天收3195元,全年下跌1805元,跌幅達36.1%。</div><div><br></div><div>台股今年歷經上沖下洗,受到疫情衝擊,全球股市暴跌,美股3月熔斷高達4次,台股同步下挫,3月份低點來到8523.63點。不過國安基金隨即進場,且各國接續祭出振興措施,實施資金寬鬆政策,資金行情點火,台股不畏疫情展開多頭攻勢。</div><div><br></div><div>在台積電大漲帶動下,台股7月27日盤中達到12686.36點的新高點,收盤在12588.30點,創下台股收盤新高,自此之後,台股頻頻改寫歷史紀錄。</div><div><br></div><div>台股牛氣沖天,加權指數12月最後一週不斷創下紀錄,台股今年封關日收紅,收在14732.53點,上漲44.83點,交易量達2573.62億元,相較台股去年封關日收在11997.14點,今年上漲2735.39點,漲幅22.8%,台股週線、月線全數收紅。</div><div><br></div><div>觀察權值股表現,台積電 (2330) 去年封關收在331元,台積電挾製程技術領先優勢,且受惠5G與高效能運算強勁需求,股價頻創高,更是台股攻高關鍵。台積電今天尾盤拉高,終場收在530元、上漲5元,刷新歷史新高價,與去年封關收在331元比較,台積電全年上漲199元,漲幅高達60.1%。</div><div><br></div><div>股王大立光從高點5000元一路下跌,一度失守3000元大關,低點至2945元,大立光今天終場收在3195元,下跌30元。在資金派對推升個股頻頻寫新高下,股王顯得落寞;鴻海今天收在92元整數關卡,小漲0.4元。</div><div><br></div><div>貨櫃航運股續強,長榮 (2603) 股價超越前高40.4元,今天終場收在40.7元,漲幅達6.54%;陽明 (2609) 終場收在今天最高點29.25元;萬海上漲2.8元、漲幅5.59%,收在52.9元。</div><div><br></div><div>國泰證期顧問處經理蔡明翰指出,台股今天再寫新高,不過幅度平穩,交易量微幅量縮仍持穩,電子占整體資金比重偏低,續呈高檔震盪格局。</div><div><br></div><div>蔡明翰認為,國際疫情仍是短線觀察重點,必須關注假期過後,疫情是否再度升溫,短線多空趨勢較難預測。不過,全球股市中長線仍維持偏多思維,台股亦然,加權指數明年上半年有機會挑戰萬五大關。</div><div><br></div><div>https://www.cna.com.tw/news/firstnews/202012315006.aspx</div></div>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-21596684588462997682020-11-06T13:09:00.001+08:002020-11-06T14:59:04.706+08:00新店區中正路414號 阿蘭姐薑母鴨<div>據說薑母鴨這道美食起源於福建泉州,是福建漢族群眾中的傳統名吃。後傳至中國其它地區和海外,這道菜氣血雙補,滋陰降火,潤而不膩。</div><div><br></div><div>八十年代初,薑母鴨在台灣被發揚光大,以加盟連鎖的方式迅速席捲全島,成為台灣美食的招牌菜之一。</div><div><br></div><div>新店區中正路414號 阿蘭姐薑母鴨</div><div><div class="separator" style="clear: both; text-align: center;">
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</div><br></div>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-45094418288113147672020-11-01T18:04:00.001+08:002020-11-06T14:55:16.014+08:00你一生必須要認識的三種職業好友之一<div><div>財經前輩財團老董諄諄教誨,不斷的告訴咱們:不管你幾歲,你這一生一定要結交的三種職業人脈好友,其中一種和咱們關係最密切的就是房仲業好友。想想也是,有時候也許幾句話就是咱們整年的工資呀!</div><div><br></div><div>歡迎加友 按讚留言分享:買屋賣屋找賈大 (找對人比品牌更重要) 歡迎委託一定盡全力讓您滿意為止!</div><div><br></div><div>點擊網址 按讚追蹤加入 賈大粉絲團 </div><div>https://www.facebook.com/cccstudio</div><div><br></div><div>點擊圖片 按右鍵下載到手機備用,免得臨時要找哥,沒有聯絡資料,挺麻煩的,呵呵 ... 2020.11.1</div></div><div><br></div><div><div class="separator" style="clear: both; text-align: center;">
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</div><br></div>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-36954354779657948372020-10-22T18:10:00.001+08:002020-11-16T15:08:47.704+08:00物以類聚,人以群分,你身邊人的格局,決定了你看問題的高度~<div>物以類聚,人以群分,你身邊人的格局,決定了你看問題的高度 ~</div><div><br></div><div>什麼是格局?</div><div>一個拿著月薪30萬的人,</div><div>跟你說和他一起合作是可以賺錢的。</div><div>你猶豫了半天,</div><div>諮詢這諮詢那的,</div><div>結果沒有做 。</div><div>原因是,</div><div>你去諮詢了一位拿著3萬月薪的朋友,</div><div>他告訴你不要相信他,</div><div>於是你聽了朋友的話;</div><div>這就是你的格局。</div><div><br></div><div>有沒有覺得很眼熟?請你永遠記住,想要瞭解某個行業,要嘛你親自去嘗試,要嘛你去問這個行業成功的人士,切忌別問初學的失敗的和不相干的人,因為他除了失敗的經驗和負能量,什麼也不能給你。(網路分享)</div><div><br></div><div><div class="separator" style="clear: both; text-align: center;">
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</div><br><br></div>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-10621882733348684532020-10-09T19:02:00.001+08:002020-11-16T15:08:53.135+08:00隨緣不變 不變隨緣 緣起緣滅 緣聚緣散<p dir="ltr">佛說:每個人所見所遇到的都早有安排,一切都是緣。來是偶然的,走是必然的。因此你務必,隨緣不變,不變隨緣。緣起緣滅,緣聚緣散,一切都是天意。不要總是牽掛,放不下,各有各的因緣,各有各的福報,盡到你的責任和義務就行了。</p><p dir="ltr"><div class="separator" style="clear: both; text-align: center;">
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</div><br></p>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-58543815241280871902020-10-08T23:23:00.001+08:002020-11-16T15:08:58.428+08:00一棵樹的故事<div>一顆樹的故事</div><div><br></div><div>從前,有一棵又高又大的樹。一天,一個小男孩來了。他們在一起玩耍,都很開心。</div><div><br></div><div>一天,男孩又來到樹下,不開心的樣子。</div><div>大樹要和他一起玩,男孩說:「不行,我不小了,不能再和你玩,我要買很多東西,可是我沒錢。」</div><div><br></div><div>大樹說:「 把我所有的果子摘下來,去賣錢吧。」 男孩十分開心,他摘下所有的果子,滿意地走了。然後,男孩好久都沒有再來 …</div><div><br></div><div>有一天,男孩終於來了,大樹興奮地邀他,男孩說:「不行,我沒有時間陪你,我現在需要一幢房子…」</div><div><br></div><div>「 你可以把我的樹枝砍下來,拿去搭房子。」 於是男孩砍下所有的樹枝,運走去蓋房子。從此 男孩又好久不來了…</div><div><br></div><div>一天,男孩回來了,大樹說:「來啊,孩子,我好想你。」 男孩卻說:「 我要離開一段時間,揚帆出海,我需要一條船。」 大樹說:「把我的樹幹砍了,拿去造船吧!」</div><div><br></div><div>於是男孩砍倒樹幹,造了條船 …</div><div>離開了很久很久 …</div><div><br></div><div>許多年過去,男孩終於回來了。</div><div><br></div><div>大樹說:「對不起,孩子,我已經沒有東西可以給你,我只剩下快枯死的老樹樁。」</div><div><br></div><div>男孩說:「 可現在我什麼都不想要,只想好好休息一下,我太累了。」 「好啊,老樹樁是最適合坐下來休息的。」</div><div><br></div><div>男孩坐在老樹樁上休息 …</div><div>樹覺得很開心 …</div><div><br></div><div>這其實是我們自己的故事,這棵樹就是我們的父母。 小時候,我們很喜歡跟爸爸媽媽待在一起。長大後,我們就離開他們,只在需要什麼或者遇到麻煩的時候,才回到他們的身邊。 無論何時,父母永遠都在那兒,你有需求,他們就傾其所有。</div><div><br></div><div>這故事,每次讀著,總覺得男孩對樹很殘忍,但,這就是很多人對待父母的方式 (網路分享)</div><div><br></div><div><div class="separator" style="clear: both; text-align: center;">
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</div><br></div>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-64605148580236998912020-10-06T08:08:00.001+08:002021-05-22T07:39:58.496+08:00遺產稅及贈與稅如何節稅-生前轉移好?死後繼承好?<div>遺產稅及贈與稅如何節稅-生前移轉財產好?死後繼承好?</div><div><br></div><div>劉君辛苦多年,賺得土地1筆(取得當時公告現值總計80萬元) 、房屋1棟及銀行存款50萬元,其有配偶及1子1女,劉君擔心死後會被課徵遺產稅,於103年2月14日將該土地及房屋贈與其子(贈與當時土地公告現值總計500萬元、房屋評定現值80萬元) ,應繳多少贈與稅?有無相關稅賦?若留待以後由其子繼承,繼承人需繳多少遺產稅?</div><div><br></div><div>解析:</div><div>一、 贈與土地有2種稅賦:贈與稅、土地增值稅 (稅率為20%、30%、40%)。</div><div><br></div><div>二、 贈與房屋有2種稅賦:贈與稅、契稅 (稅率6%)。</div><div><br></div><div>三、 因繼承而移轉之土地房屋不課土地增值稅、契稅。</div><div><br></div><div>四、 103年2月14日贈與其子土地、房屋,應繳納多少稅賦,計算如下:</div><div>(一)贈與稅</div><div>贈與總額:5,800,000元</div><div>免稅額:2,200,000元</div><div>贈與淨額:3,600,000元</div><div>稅率:10%。</div><div>應納贈與稅額為360,000元</div><div>(二)土地增值稅:假設為1,920,000元</div><div>(三)契稅:假設為60,000元</div><div><br></div><div>五、 若同年度由其子繼承,繼承人應繳納多少遺產稅?計算如下:</div><div>(一)遺產總額:6,300,000元</div><div>(二)免稅額:12,000,000元</div><div>(三)扣除額:7,160,000元</div><div>包括:配偶扣除額:4,930,000元</div><div>直系卑親屬扣除額:1,000,000元</div><div>喪葬費:1,230,000元</div><div>(四)遺產淨額:0元</div><div>(6,300,000-12,000,000-7,160,000=-12,860,000元)</div><div>(五)應納遺產稅額為0元</div><div><br></div><div>六、 本案劉君若生前贈與土地、房屋給其子,需繳稅賦合計 2,340,00元,若不贈與,留待繼承時將土地,房屋由長子繼承,配偶及女兒繼承現金,遺產稅應納稅額為0元,繼承人不須繳納遺產稅且不須繳納土地增值稅及契稅。</div><div><br></div><div>七、 由案例五、六、七可知,納稅人欲節省遺產及贈與稅,需考慮自身財產之多寡,及財產移轉時其他稅賦負擔,若財產扣除遺產稅免稅額、扣除額後,遺產淨額為0元或負數,則生前贈與並不划算,若財產龐大,概算應納遺產稅額極高,可考慮生前及早規劃將財產移轉,以節省稅負。</div><div><br></div><div>八、 法令依據:</div><div>土地稅法第28條但書規定:「......但因繼承而移轉之土地, ......免徵土地增值稅。」</div><div><br></div><div>更新日期:107-02-06 https://www.etax.nat.gov.tw/etwmain/web/ETW118W/CON/406/6822090748112116969?tagCode=</div><div><br></div><div>[臺中市] 繼承人繼承土地,免徵土地增值稅</div><div>(臺中訊)臺中市政府地方稅務局表示,繼承人因繼承而移轉的土地時,無需辦理土地增值稅申報,並免徵土地增值稅。繼承後的土地出售他人時,須要課徵土地增值稅,但前次移轉現值是以繼承開始時該土地的公告現值來計算土地增值稅。</div><div><br></div><div>該局進一步說明,繼承人繼承土地雖然不須要申報土地增值稅,但仍應向國稅局辦理遺產稅申報,嗣取得遺產稅繳清或免稅證明書後,須向土地所在地稅捐機關辦理查欠,才能到地政機關辦理繼承登記。如果繼承人以繼承之土地抵繳遺產稅,要將該土地移轉登記為國有時,仍應辦理土地增值稅現值申報。</div><div><br></div><div>稅務局呼籲民眾,可比較土地增值稅與遺產稅的差異後,做適當的租稅規劃,利用租稅減免、獎勵或選擇的機會,做最適當的安排,進而達到減輕稅負之目的。</div><div><br></div><div>更新日期:101-09-18發佈單位:臺中市政府地方稅務局</div><div><br></div><div>https://www.etax.nat.gov.tw/etwmain/web/ETW118W/CON/444/7347971625243945902?tagCode=</div><div><br></div>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-40610306748051085232020-10-01T14:41:00.001+08:002020-11-16T15:11:54.912+08:00新店安坑保安宮宮慶 國泰民安 風調雨順新店安坑保安宮宮慶 2020.9.30 晚 <div>在白金花園酒店宴會廳舉辦 席開三十桌 祈求國泰民安 風調雨順 房市興隆 股市長紅 … <div><br></div><div>謝謝楊董 地瓜宮主 昌哥邀約</div><div>辛苦了 謝謝 …</div></div><div><br></div><div><div class="separator" style="clear: both; text-align: center;">
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</div><br></div>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-65403954311277073522020-10-01T09:47:00.001+08:002020-11-16T15:09:10.359+08:00痛下重本 DJI OM 4 大疆手機雲台三軸穩定器<div>我家外甥幾年前淘汰貢獻阿舅的自拍棒,終於壽終正寢。</div><div><br></div><div>這次痛下重本 DJI OM 4 大疆手機雲台三軸穩定器,準備現場錄影幫大家介紹好房子,紀錄生活各種有趣新鮮事兒。</div><div><br></div><div>親!無論如何記得斗內斗內,搜尋 甲大趴趴走 ,留言按讚分享收藏小鈴鐺,買屋賣屋託買託賣記得先來電,謝謝!哈</div><div><br></div><div><div class="separator" style="clear: both; text-align: center;">
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</div><br></div>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-73472272486655640392020-09-23T00:15:00.001+08:002020-11-16T15:09:16.419+08:00冒生命危險 讓朋友入鏡 <div>冒生命危險 讓朋友入鏡 臺灣熱炒碳烤 小酌怡倩 哥是業餘的啦 … 新店區寶橋路 店小二碳烤熱炒 2020.9.22 頭條/西瓜:甲大趴趴走<br></div><div><br></div><div><div class="separator" style="clear: both; text-align: center;">
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</div><br></div>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-8921203995990081732020-09-02T14:24:00.006+08:002020-11-06T14:53:22.512+08:00這波房價為何漲?學者:政府所做超乎我想像極限<div class="separator" style="clear: both; text-align: left;">這波房價為何漲?學者:政府所做超乎我想像極限 2020-09-01 12:37 經濟日報 記者游智文/即時報導 記者游智文/攝影 房價所得比居高不下,先前許多人預測房價應會一路盤跌,沒想到,近一年各地房價不跌反漲,除了北市,其他都會區均創歷史新高。房產學者章定煊無奈說,有些東西,在預測的時候根本預測不到。「政府不只做到我想像的極限、甚至超越極限」。</div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">章定煊表示,前幾年房市很差時,他預測了一個ㄣ型的房市行情走勢,就是房價下跌一段時間後,休息盤整一下,然後再繼續下修,直到房價合理為止。</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">當時他跟媒體說這件事時,特別強調,如果政府採取類似量化寬鬆的貨幣政策,房市還是強拉得起來。</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">但當時大家都覺得,打著居住正義上位的政府,不會這樣做,沒有人願意寫這句話。他自己雖然看了多年的房市,認為不能排除這種可能性,但也覺得可能性不高。</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">但後來發展出乎意料。前瞻計畫舉債來的幾兆資金,大部分都投擲在土地上,貨幣上長期維持在實質負利率,金融機構資金泛濫到在土地標購上動輒一擲數百億元。</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">章定煊說,這些東西,在預測的時候根本預測不到。「政府不只做到我想像的極限、甚至超越極限,大大的開闊了我的視野。」</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">章定煊說,很多年前,房市名嘴SWAY曾問他一個問題,「你們研究房地產的,是不是投資房地產可以賺大錢」。他的答案當然是否定的,當時的回答是沒有資本。</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">現在他要說,投資房地產要賺錢,除了資本、門道之外,還要八字。以前他認識一個房地產老闆,做人很吝嗇,卻偏愛捐錢給宮廟,可能因此財神爺特別眷顧他,之前看起來明明是非常不智的房地產投資,最後不但沒賠錢,還超級大賺。</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">至於他,先前預測房市老半天,結果爆發新冠疫情、再來個無限量寬鬆貨幣政策,過去的預測全變成打水漂的廢話。沒有資本跟門道,又少了運氣,再多的專業知識,也賺不了大錢。</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">https://money.udn.com/money/story/5621/4825897</div></div><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsssXrMVHm7fR1xkbXGencDSg0boJM77CehVInWVCYcJ1V6-xftKw0ISyYqqkPqY24nK4j_HgVzd9zdbdWdNOxnl6t0OPhLZ8o6WprgLKMlJCEcxWmTcNSzO3CXmNMzeJYE1JN2-HofhY/s1048/159893523085528_P8463739.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="589" data-original-width="1048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsssXrMVHm7fR1xkbXGencDSg0boJM77CehVInWVCYcJ1V6-xftKw0ISyYqqkPqY24nK4j_HgVzd9zdbdWdNOxnl6t0OPhLZ8o6WprgLKMlJCEcxWmTcNSzO3CXmNMzeJYE1JN2-HofhY/s640/159893523085528_P8463739.jpg" width="640" /></a></div><br /> <p></p>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-5650014687330883782020-08-30T11:47:00.004+08:002020-11-06T14:51:03.896+08:00臺灣銀行公告年利率在0.8%左右:全球低利率,讓股市過熱大漲不斷,未來通膨要小心鈔票越來越不值錢,你不理財,財不理你 ...<div class="" data-block="true" data-editor="anr6j" data-offset-key="92htg-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="92htg-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="92htg-0-0" style="font-family: inherit;">臺灣銀行公告年利率在0.8%左右:全球低利率,讓股市過熱大漲不斷,未來通膨要小心鈔票越來越不值錢,你不理財,財不理你 ...</span></div></div><div class="" data-block="true" data-editor="anr6j" data-offset-key="5j3jd-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="5j3jd-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="5j3jd-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div class="" data-block="true" data-editor="anr6j" data-offset-key="48oe1-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="48oe1-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="48oe1-0-0" style="font-family: inherit;">新臺幣存(放)款牌告利率:臺灣銀行公告</span></div></div><div class="" data-block="true" data-editor="anr6j" data-offset-key="6mgto-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="6mgto-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="6mgto-0-0" style="font-family: inherit;">基本放款利率 = 基準利率 + 2.14。</span></div></div><div class="" data-block="true" data-editor="anr6j" data-offset-key="2jv4-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="2jv4-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="2jv4-0-0" style="font-family: inherit;">授信個案之「加碼利率」,須另依授信戶之信用條件、與本行往來實績、擔保品狀況及授信風險等因素訂定。</span></div></div><div class="" data-block="true" data-editor="anr6j" data-offset-key="15cd8-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="15cd8-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="15cd8-0-0" style="font-family: inherit;">本表僅供參考,正確資料請洽各營業單位。</span></div></div><div class="" data-block="true" data-editor="anr6j" data-offset-key="41ofe-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="41ofe-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="41ofe-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div class="" data-block="true" data-editor="anr6j" data-offset-key="brcj3-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="brcj3-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="brcj3-0-0" style="font-family: inherit;">https://rate.bot.com.tw/twd?Lang=zh-TW</span></div></div><div data-block="true" data-editor="ft7fb" data-offset-key="c2rei-0-0" style="background-color: white; color: #1c1e21; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="c2rei-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="c2rei-0-0" style="font-family: inherit;"><br /></span></div><div class="_1mf _1mj" data-offset-key="c2rei-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="c2rei-0-0" style="font-family: inherit;"><br /></span></div><div class="_1mf _1mj" data-offset-key="c2rei-0-0" style="direction: ltr; font-family: inherit; position: relative;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhrJC3yvyqkf_Ec1c7a2FIqQSPadKmJCwewdViO16KgNsFkLpCxPdngHMK6hhMH2PaJYPbRDA-6paZoTUgXglNYj8Zxoozhx41pCZLnzBtGRwJ7MclbxBOZytjIiYIYEI59nu7MiMDoOPI/s1190/20200801-1.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="931" data-original-width="1190" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhrJC3yvyqkf_Ec1c7a2FIqQSPadKmJCwewdViO16KgNsFkLpCxPdngHMK6hhMH2PaJYPbRDA-6paZoTUgXglNYj8Zxoozhx41pCZLnzBtGRwJ7MclbxBOZytjIiYIYEI59nu7MiMDoOPI/s640/20200801-1.jpg" width="640" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgyvisU_DhsysZAjTqZk6dQdWvtA1AjNHmZ2yIsoacEfhDY8TauXpUL8ICL5v0D2STMA2taZuQT4XWqt-B-4fU6aAab6KyFqZl84E8jlmZETaLlfgFis88MEMUhGtQ4w1_UOUDyAginJmQ/s1193/20200801-2.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="702" data-original-width="1193" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgyvisU_DhsysZAjTqZk6dQdWvtA1AjNHmZ2yIsoacEfhDY8TauXpUL8ICL5v0D2STMA2taZuQT4XWqt-B-4fU6aAab6KyFqZl84E8jlmZETaLlfgFis88MEMUhGtQ4w1_UOUDyAginJmQ/s640/20200801-2.jpg" width="640" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj60Ro1MbZVKixPweohBonhh-bMlJaDZJIrKQbKYdcWoG5cV188zjFOxefScxyhD86Lxm6Mp0MJcfeZU0aUW2ItwCOOnjL-N-h4A1FEslfMROb7CR1KvYzxpdG7h4jUdmgHkDv_fXZAkoI/s1200/20200801-3.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="516" data-original-width="1200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj60Ro1MbZVKixPweohBonhh-bMlJaDZJIrKQbKYdcWoG5cV188zjFOxefScxyhD86Lxm6Mp0MJcfeZU0aUW2ItwCOOnjL-N-h4A1FEslfMROb7CR1KvYzxpdG7h4jUdmgHkDv_fXZAkoI/s640/20200801-3.jpg" width="640" /></a></div><br /><span data-offset-key="c2rei-0-0" style="font-family: inherit;"><br /></span></div></div>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-23846981581020283502020-08-30T11:16:00.004+08:002020-11-06T14:51:30.160+08:00不想存款利率再探底!國銀雙創新低 可說是「只有更低」<p> </p><div class="" data-block="true" data-editor="78ntg" data-offset-key="f0ioe-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="f0ioe-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="f0ioe-0-0" style="font-family: inherit;">不想存款利率再探底!國銀雙創新低 可說是「只有更低」記者:工商時報呂清郎 2020-08-29 15:40 不想存款利率再探底!國銀雙創新低 可說是「只有更低」(圖/本報資料照)中央銀行最新公布第二季國銀存放款加權平均利率各為0.44%和1.66%,雙創歷史新低紀錄,存放款利差也再縮小至1.22個百分點,創近12年最小紀錄,銀行授信主管表示,主要反應央行3月降息1碼(0.25個百分點),及低利率紓困放款的二大效應。</span></div></div><div class="separator" style="clear: both; text-align: center;"><div class="" data-block="true" data-editor="78ntg" data-offset-key="ebbrd-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="ebbrd-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="ebbrd-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div class="" data-block="true" data-editor="78ntg" data-offset-key="64erq-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="64erq-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="64erq-0-0" style="font-family: inherit;">國銀利率及利差持續探底,可說是「沒有最低、只有更低」,根據央行公布的統計,國銀存款加權平均利率,2019年第一季滑落至歷史低點的0.54%,再創歷史新低紀錄,主要是央行3月第一季理事會決議降息1碼(0.25個百分點),重貼現率下探至1.125%歷史新低的效應。第二季進一步完全反應,存款加權平均利率再下滑10個基本點(1個基本點是0.01個百分點),一舉跌破0.5%關卡至0.44%,再刷新歷史最低紀錄。</span></div></div><div class="" data-block="true" data-editor="78ntg" data-offset-key="d8hgq-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="d8hgq-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="d8hgq-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div class="" data-block="true" data-editor="78ntg" data-offset-key="49c3l-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="49c3l-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="49c3l-0-0" style="font-family: inherit;">國銀放款加權平均利率也受降息影響,觀察放款利率從2017年第三季的1.93%,一路向下並屢創新低趨勢,2019年第三季降至1.87%的史上最低,第四季持平,今年第一季因降息效應又降至1.85%的史上最低。尤其第二季政府紓困方案全面啟動,放款利率大減碼,使國銀放款加權平均利率更大減19個基本點來到1.66%,同創史上新低。</span></div></div><div class="" data-block="true" data-editor="78ntg" data-offset-key="6pjv3-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="6pjv3-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="6pjv3-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div class="" data-block="true" data-editor="78ntg" data-offset-key="16d3q-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="16d3q-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="16d3q-0-0" style="font-family: inherit;">存放款加權平均利率雙雙下滑,但放款利率降幅大於存款利率,一來一往,存放款利差從第一季的1.31個百分點,第二季明顯縮小至1.22個百分點,與2009年第一季的史上最小利差1.11百分點,僅剩0.11個百分點的差距。</span></div></div><div class="" data-block="true" data-editor="78ntg" data-offset-key="57mq8-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="57mq8-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="57mq8-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div class="" data-block="true" data-editor="78ntg" data-offset-key="6d7pu-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="6d7pu-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="6d7pu-0-0" style="font-family: inherit;">銀行授信主管指出,肺炎疫情肆虐全球經濟,美國聯準會(Fed)3月帶頭降息至趨近於零,主要國家央行全面跟進,第一季央行調低政策利率1碼後,國銀尚未完全反應,存放款利率調整的差距小,僅0.01個百分點。第二季差距加大,主要是政府推出低利率貸款紓困的效應,因此未來若紓困方案結束,預料存放款利差將反轉加大。</span></div></div><div class="" data-block="true" data-editor="78ntg" data-offset-key="7eq72-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="7eq72-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="7eq72-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div class="" data-block="true" data-editor="78ntg" data-offset-key="eliv1-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="eliv1-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="eliv1-0-0" style="font-family: inherit;">國際疫情仍在燒,政府也將再推紓困3.0,這代表第三季存放款利差,應會延續與第二季差不多的水準。銀行授信主管認為,央行第二季並未再降息,目前市場普遍預估,9月的第三季理事會,利率應該還是續凍,畢竟央行掛保證,「台灣不會零利率、負利率」,更偏向保留政策空間,代表存放款利率再大幅下探的機率低。 </span></div></div><div class="" data-block="true" data-editor="78ntg" data-offset-key="92ehc-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="92ehc-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="92ehc-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div class="" data-block="true" data-editor="78ntg" data-offset-key="f0o7d-0-0" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="f0o7d-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="f0o7d-0-0" style="font-family: inherit;">https://www.ctwant.com/article/70207</span></div><div class="_1mf _1mj" data-offset-key="f0o7d-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="f0o7d-0-0" style="font-family: inherit;"><br /></span></div></div></div><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjIv0LERH_19poH9fPGgpYctD2WQxM5zjSIfNyP-0sL3HkqIdJdgTNUjnWAy9gB0RjVWe0stp5RWiHxruPB3I670KmJkXXFaW1MHIG1reSfsbBlSd3dz2m4Y4gyF2X3IWJ7E9hTyoce_s8/s858/md-f7ea9f3f43dd460c82cf41be612cc5e6.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="452" data-original-width="858" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjIv0LERH_19poH9fPGgpYctD2WQxM5zjSIfNyP-0sL3HkqIdJdgTNUjnWAy9gB0RjVWe0stp5RWiHxruPB3I670KmJkXXFaW1MHIG1reSfsbBlSd3dz2m4Y4gyF2X3IWJ7E9hTyoce_s8/s640/md-f7ea9f3f43dd460c82cf41be612cc5e6.jpg" width="640" /></a></div><br /><p></p>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-12023762555881621232020-08-27T11:08:00.001+08:002020-11-06T14:53:17.355+08:00買房自備款該如何準備?要存多少錢?房市專家分享自身經驗「存到這數字」很重要<p> <span style="background-color: white; color: #050505; font-family: inherit; font-size: 15px; white-space: pre-wrap;">買房自備款該如何準備?要存多少錢?房市專家分享自身經驗「存到這數字」很重要 黃健誠 房地產掃瞄 達志 2020-08-13 17:00</span></p><div class="kvgmc6g5 cxmmr5t8 oygrvhab hcukyx3x c1et5uql ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">許多上班族都想買下屬於自己的房子,但看著房價高漲,買房大夢似乎越離越遠,雖然早年曾有過「沒自備款也能買房子」的時代,但現在已不太可能重演,保守估計,購屋人手上至少得準備2到3成自備款,才有可能買房。</div></div><div class="o9v6fnle cxmmr5t8 oygrvhab hcukyx3x c1et5uql ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">要存房子頭期款 先從「第一桶金」開始 要如何從無到有,存到買房頭期款?住商不動產企研室經理徐佳馨以自身經驗指出,無論買房與否,最重要的,還是建立投資理財的觀念,建議有意買房者,一定要先存到人生的「第一桶金」。</div></div><div class="o9v6fnle cxmmr5t8 oygrvhab hcukyx3x c1et5uql ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">徐佳馨表示,當年剛從研究所畢業時,身上揹著十多萬的就學貸款,且當時的利率,比現在高出許多;不過,還款第一年,可享免利息優惠,因此她拚命存錢、節約度日,很快就把貸款還完。</div></div><div class="o9v6fnle cxmmr5t8 oygrvhab hcukyx3x c1et5uql ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">▲房市專家徐佳馨走過來時路,勸想買房的民眾要先存到第一桶金。(圖/徐佳馨提供)</div></div><div class="o9v6fnle cxmmr5t8 oygrvhab hcukyx3x c1et5uql ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">談起當年刻苦節約的日子,徐佳馨說,她省錢都從伙食費及娛樂費下手,她現在不吃榨菜肉絲麵,就是因為當年為了省錢,餐餐都只吃榨菜肉絲麵吃怕了。還記得有一次,買下一條白土司,決定要吃一周,結果第三天就發霉了,心裡還暗自覺得可惜。不過,就是因為過這種節約、刻苦的生活,才讓她在一年內就把貸款全數還清。</div></div><div class="o9v6fnle cxmmr5t8 oygrvhab hcukyx3x c1et5uql ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">徐佳馨說,後來她發現,只要能養成節省的態度,日子就不會過得很辛苦,甚至,將儲蓄變成習慣後,很快就能存到人生的第一桶金,接下來才能靈活投入有興趣的理財活動,進而累積更多財富。</div></div><div class="o9v6fnle cxmmr5t8 oygrvhab hcukyx3x c1et5uql ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">買房自備款至少準備3成 若買預售屋可分攤繳款壓力</div></div><div class="o9v6fnle cxmmr5t8 oygrvhab hcukyx3x c1et5uql ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">存到第一桶金後,想要買間房,自備款究竟該準備多少?徐佳馨建議,至少要先存到房價的三成,才是比較安全的做法。假設想買一間1000萬的房子,最好能備妥3成、300萬的自備款,向銀行貸款700萬,但若銀行認為屋況老舊或評估購屋者所得後,僅願意給出600萬額度,那自備款就得提高至400萬。</div></div><div class="o9v6fnle cxmmr5t8 oygrvhab hcukyx3x c1et5uql ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">徐佳馨也提到,在自備款不足的情況下,選擇買預售屋,也是一個方法,因為購買預售屋的好處是付款靈活,不用一次拿出大筆自備款,可將費用分攤成2、3年慢慢繳,以此延長籌款期,但最好還是確保手中至少有房屋總價的15%資金,以應付日後付款需求。</div></div><div class="o9v6fnle cxmmr5t8 oygrvhab hcukyx3x c1et5uql ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">買房要「量力而為」 房貸月付金不宜超過薪水一半</div></div><div class="o9v6fnle cxmmr5t8 oygrvhab hcukyx3x c1et5uql ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">想買房,最重要的是「量力而為」,除了自備款外,貸款的月付金,也必須納入買房評估中,徐佳馨提醒購屋族,應先問自己每個月繳得起多少房貸,而不是希望「銀行貸越多越好」,因為貸得多未必還得起,還是要審慎估算後再出手。</div></div><div class="o9v6fnle cxmmr5t8 oygrvhab hcukyx3x c1et5uql ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">徐佳馨建議,房貸佔薪水的三分之一最為理想,至多不要超過一半,以免影響生活品質,另外,要估算房貸的月付金,以目前房貸利率而言,每100萬、20年期貸款,本息攤還約5千元。因此若買下1000萬的房子,貸款20年期、8百萬而言,可算出月繳款約4萬元。</div></div><div class="o9v6fnle cxmmr5t8 oygrvhab hcukyx3x c1et5uql ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">對於想要買房的民眾,徐佳馨建議,自備款多寡,會影響選擇房子的條件,包括總價、坪數、屋齡及地點等,但除此之外,拿出決心和方法,去存第一筆頭期款,才有可能實現購屋夢。</div></div><div class="o9v6fnle cxmmr5t8 oygrvhab hcukyx3x c1et5uql ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">要存買房的頭期款,徐佳馨建議,首先是在錢的使用上要「先存再花」,每個月把錢先存下來後,剩下的才當作每個月的花費。再者,一定要給自己定下存錢的目標,才會有動力執行。另外,即使為了增加收入要兼職,也要選擇提升自己職場競爭力的兼職,未來才有更多機會在職涯上爭取更高的薪水。</div></div><div class="o9v6fnle cxmmr5t8 oygrvhab hcukyx3x c1et5uql ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">買房不求「一次到位」,徐佳馨說,現在很少人能夠一間房子,從年輕住到老,因此或許一開始買的是地點較遠、坪數較小的房子,但若常常關注房市行情,並把握機會賣屋,加上新的積蓄,也是有可能從小屋,慢慢換成市區的大屋。</div></div><div class="o9v6fnle cxmmr5t8 oygrvhab hcukyx3x c1et5uql ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;"><span style="font-family: inherit;"><a class="oajrlxb2 g5ia77u1 qu0x051f esr5mh6w e9989ue4 r7d6kgcz rq0escxv nhd2j8a9 nc684nl6 p7hjln8o kvgmc6g5 cxmmr5t8 oygrvhab hcukyx3x jb3vyjys rz4wbd8a qt6c0cv9 a8nywdso i1ao9s8h esuyzwwr f1sip0of lzcic4wl py34i1dx gpro0wi8" href="https://www.businesstoday.com.tw/article/category/80404/post/202008130015/%E8%B2%B7%E6%88%BF%E8%87%AA%E5%82%99%E6%AC%BE%E8%A9%B2%E5%A6%82%E4%BD%95%E6%BA%96%E5%82%99%EF%BC%9F%E8%A6%81%E5%AD%98%E5%A4%9A%E5%B0%91%E9%8C%A2%EF%BC%9F%E6%88%BF%E5%B8%82%E5%B0%88%E5%AE%B6%E5%88%86%E4%BA%AB%E8%87%AA%E8%BA%AB%E7%B6%93%E9%A9%97%E3%80%8C%E5%AD%98%E5%88%B0%E9%80%99%E6%95%B8%E5%AD%97%E3%80%8D%E5%BE%88%E9%87%8D%E8%A6%81?fbclid=IwAR2em6MyRaPvkZLzNWvI8euJliLTHSgghXpCSiZSu7NE10c71kz1wWbWawY" rel="nofollow noopener" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0" target="_blank">https://www.businesstoday.com.tw/article/category/80404/post/202008130015/%E8%B2%B7%E6%88%BF%E8%87%AA%E5%82%99%E6%AC%BE%E8%A9%B2%E5%A6%82%E4%BD%95%E6%BA%96%E5%82%99%EF%BC%9F%E8%A6%81%E5%AD%98%E5%A4%9A%E5%B0%91%E9%8C%A2%EF%BC%9F%E6%88%BF%E5%B8%82%E5%B0%88%E5%AE%B6%E5%88%86%E4%BA%AB%E8%87%AA%E8%BA%AB%E7%B6%93%E9%A9%97%E3%80%8C%E5%AD%98%E5%88%B0%E9%80%99%E6%95%B8%E5%AD%97%E3%80%8D%E5%BE%88%E9%87%8D%E8%A6%81</a></span></div><div dir="auto" style="font-family: inherit;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZgymJQNFD16745HONUEaHKN2p4cHtwNfG8OvG9_Saz4vl24OUiXmPF0UT7VyjVdHb6gMjDIRKJ1Vy2Eo_w1ERnhGeJ6aoAnHL2VY3btkw2tIsot77W0OAUcv0JM2HlCr9jwHdXqu4SK0/s1140/shutterstock_1419910916.jpg_1140x855.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="855" data-original-width="1140" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZgymJQNFD16745HONUEaHKN2p4cHtwNfG8OvG9_Saz4vl24OUiXmPF0UT7VyjVdHb6gMjDIRKJ1Vy2Eo_w1ERnhGeJ6aoAnHL2VY3btkw2tIsot77W0OAUcv0JM2HlCr9jwHdXqu4SK0/s640/shutterstock_1419910916.jpg_1140x855.jpg" width="640" /></a></div><br /><div dir="auto" style="font-family: inherit;"><br /></div></div>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-18407261794355962772020-08-25T15:30:00.005+08:002020-11-06T14:53:12.468+08:00樓上爽收租、樓下爆走!新店老公寓掛布條怒嗆 要頂樓出租套房滾蛋<p>樓上爽收租、樓下爆走!新店老公寓掛布條怒嗆 要頂樓出租套房滾蛋 ▲▼新店巷弄內老公寓掛布條抗議頂樓隔間套房。(圖/記者黃靖惠攝)記者黃靖惠/綜合報導 新北新店老公寓近期發生一起樓上、樓下住戶對立事件,樓下不滿頂樓隔間出租套房,怒掛紅布條嗆「五樓違建套房,影響公共安全」,經了解,雙方已經進入司法程序協調,而這類事情在雙北層出不窮,多數人看準老公寓入手價低,重新裝潢後再出租,可獲租金收益高,因而投入包租公一職。房仲業者認為,頂樓既存違建再隔出租套房屬於雙重違規,被報拆風險高。</p><p><br /></p><p>該公寓位於新店最具規模的「建國市場」巷弄旁,恰為建國路、中正路轉角處,一側臨建國路、另側臨中正路商圈,距離公車站牌、捷運站,步行5~10分鐘,一旁又有熱鬧商街,店鋪應有盡有,且有國小等教育資源,成為房屋租賃熱門區塊。</p><p><br /></p><p>該公寓外牆高掛紅布條抗議,寫著斗大字樣「五樓違建套房,影響公共安全」、「損及住戶權益,全體住戶反對」、「違建套房出租,破壞建築結構」抗議,反對頂樓屋主隔間為出租套房,記者實地走訪現場詢問,附近住戶低調表示,該頂樓屋主去年入手後,雖向市府申請執照裝潢,但因之後預計規劃出租套房,引來樓下住戶不滿,造成雙方對立。</p><p><br /></p><p>實際查閱實價登錄發現,該公寓頂樓、33坪大含頂樓增建,屋主去年11月以總價1020萬元入手。據了解,屋主將頂樓規劃8間出租套房,樓下5間、樓上3間,但還未出租就遭到鄰居抗議,現在兩造已經進入司法程序。</p><p><br /></p><p>從去年元月起,新北市辦理建築物裝修為多間套房審查原則新增一項,「須檢附直下層房屋所有權人的同意書」,才能進行裝修的規定,若非同一所有權人必須出具建物權利證明文件。</p><p><br /></p><p>▼該公寓位於新店最具規模的「建國市場」巷弄旁。(圖/記者黃靖惠攝)</p><p><br /></p><p>▲▼新店巷弄內老公寓掛布條抗議頂樓隔間套房。(圖/記者黃靖惠攝)</p><p><br /></p><p>全球居不動產情報室總監陳炳辰指出,早期雙北市法規較寬鬆,租屋族為節省租金寧願住在「鴿子籠」內,讓這類格間套房租屋市場龐大,不過老舊建物過度乘載,影響結構安全、且用電量超載,造成消防安全等問題,屢屢釀成禍事,也讓周邊住戶不如以往歡迎套房收租客進駐,不過較少有這類拉布條抗議行為,這類案例不只造成鄰里關係緊繃,且影響周邊房價,兩敗俱傷。</p><p><br /></p><p>依照周邊出租套房月租7000元行情計價,該戶頂樓含頂樓加蓋共8間房,滿租月收5.3萬元,換算年租金投報率高達6%,獲利幅度驚人。</p><p><br /></p><p>住商不動產大坪林加盟店店長周天龍說明,鄰近中正路、建國市場機能完整,租賃套房月租最低6000~7000元,最高8000~1萬元,依照裝潢、室內坪數大小、格局決定租金高低;而這種頂樓加蓋既存違建物、再隔間出租套房,屬於雙重違規,較易被鄰居質疑,且遭檢舉即報即拆風險大,若以一間套房裝潢成本20萬計價,倘若真的規劃8間前期投入近200萬元費用可能因而打水漂。</p><p><br /></p><p>▲▼新店巷弄內老公寓掛布條抗議頂樓隔間套房。(圖/記者黃靖惠攝)</p><p>▲新店巷弄內老公寓掛布條抗議頂樓隔間套房。(圖/記者黃靖惠攝)</p><p><br /></p><p>https://house.ettoday.net/news/1792839</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwPQwxDSRjwBun1W3khXtMBO3QcLcA1x398I3IGm7gItUjaowbwFJZFcr1RR42PmHM9ZakMqaRga7X4JzTjwq0N8YoTKytwgrUsKVZep-90r6X9JkaopEOuHyCwvz4nuh5F-WUjukm5fI/s600/d5095425.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="450" data-original-width="600" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwPQwxDSRjwBun1W3khXtMBO3QcLcA1x398I3IGm7gItUjaowbwFJZFcr1RR42PmHM9ZakMqaRga7X4JzTjwq0N8YoTKytwgrUsKVZep-90r6X9JkaopEOuHyCwvz4nuh5F-WUjukm5fI/s0/d5095425.jpg" /></a></div><br /><p><br /></p>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-60920269571876968272020-08-19T16:46:00.004+08:002021-05-22T07:40:22.402+08:00遺產及贈與稅如何節稅-生前移轉財產好?死後繼承好?<p> <span style="background-color: white; color: #1d2129; font-family: inherit; white-space: pre-wrap;">遺產及贈與稅如何節稅-生前移轉財產好?死後繼承好?</span></p><div data-block="true" data-editor="2vav8" data-offset-key="886od-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="886od-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="886od-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="2ro1i-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="2ro1i-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="2ro1i-0-0" style="font-family: inherit;">劉君辛苦多年,賺得土地1筆(取得當時公告現值總計80萬元) 、房屋1棟及銀行存款50萬元,其有配偶及1子1女,劉君擔心死後會被課徵遺產稅,於103年2月14日將該土地及房屋贈與其子(贈與當時土地公告現值總計500萬元、房屋評定現值80萬元) ,應繳多少贈與稅?有無相關稅賦?若留待以後由其子繼承,繼承人需繳多少遺產稅?</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="6k8b-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="6k8b-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="6k8b-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="f7gh1-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="f7gh1-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="f7gh1-0-0" style="font-family: inherit;">解析:</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="1nmiv-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="1nmiv-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="1nmiv-0-0" style="font-family: inherit;">一、 贈與土地有2種稅賦:贈與稅、土地增值稅 (稅率為20%、30%、40%)。</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="cpceq-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="cpceq-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="cpceq-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="erv8e-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="erv8e-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="erv8e-0-0" style="font-family: inherit;">二、 贈與房屋有2種稅賦:贈與稅、契稅 (稅率6%)。</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="9mc3t-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="9mc3t-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="9mc3t-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="6k6se-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="6k6se-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="6k6se-0-0" style="font-family: inherit;">三、 因繼承而移轉之土地房屋不課土地增值稅、契稅。</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="6f05l-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="6f05l-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="6f05l-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="e80p3-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="e80p3-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="e80p3-0-0" style="font-family: inherit;">四、 103年2月14日贈與其子土地、房屋,應繳納多少稅賦,計算如下:</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="94bai-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="94bai-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="94bai-0-0" style="font-family: inherit;">(一)贈與稅</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="dda6b-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="dda6b-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="dda6b-0-0" style="font-family: inherit;">贈與總額:5,800,000元</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="8qvt3-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="8qvt3-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="8qvt3-0-0" style="font-family: inherit;">免稅額:2,200,000元</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="2qrhe-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="2qrhe-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="2qrhe-0-0" style="font-family: inherit;">贈與淨額:3,600,000元</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="ettvk-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="ettvk-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="ettvk-0-0" style="font-family: inherit;">稅率:10%。</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="bjef6-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="bjef6-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="bjef6-0-0" style="font-family: inherit;">應納贈與稅額為360,000元</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="9s2e9-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="9s2e9-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="9s2e9-0-0" style="font-family: inherit;">(二)土地增值稅:假設為1,920,000元</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="5hage-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="5hage-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="5hage-0-0" style="font-family: inherit;">(三)契稅:假設為60,000元</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="5s23d-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="5s23d-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="5s23d-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="1bkpk-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="1bkpk-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="1bkpk-0-0" style="font-family: inherit;">五、 若同年度由其子繼承,繼承人應繳納多少遺產稅?計算如下:</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="46q3o-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="46q3o-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="46q3o-0-0" style="font-family: inherit;">(一)遺產總額:6,300,000元</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="1frl6-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="1frl6-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="1frl6-0-0" style="font-family: inherit;">(二)免稅額:12,000,000元</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="79b6g-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="79b6g-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="79b6g-0-0" style="font-family: inherit;">(三)扣除額:7,160,000元</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="b0uv7-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="b0uv7-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="b0uv7-0-0" style="font-family: inherit;">包括:配偶扣除額:4,930,000元</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="7lku5-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="7lku5-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="7lku5-0-0" style="font-family: inherit;">直系卑親屬扣除額:1,000,000元</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="4kejb-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="4kejb-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="4kejb-0-0" style="font-family: inherit;">喪葬費:1,230,000元</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="c8su1-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="c8su1-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="c8su1-0-0" style="font-family: inherit;">(四)遺產淨額:0元</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="61cjh-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="61cjh-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="61cjh-0-0" style="font-family: inherit;">(6,300,000-12,000,000-7,160,000=-12,860,000元)</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="fbv6k-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="fbv6k-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="fbv6k-0-0" style="font-family: inherit;">(五)應納遺產稅額為0元</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="fkb96-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="fkb96-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="fkb96-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="8h64-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="8h64-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="8h64-0-0" style="font-family: inherit;">六、 本案劉君若生前贈與土地、房屋給其子,需繳稅賦合計 2,340,00元,若不贈與,留待繼承時將土地,房屋由長子繼承,配偶及女兒繼承現金,遺產稅應納稅額為0元,繼承人不須繳納遺產稅且不須繳納土地增值稅及契稅。</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="885u2-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="885u2-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="885u2-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="eseva-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="eseva-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="eseva-0-0" style="font-family: inherit;">七、 由案例五、六、七可知,納稅人欲節省遺產及贈與稅,需考慮自身財產之多寡,及財產移轉時其他稅賦負擔,若財產扣除遺產稅免稅額、扣除額後,遺產淨額為0元或負數,則生前贈與並不划算,若財產龐大,概算應納遺產稅額極高,可考慮生前及早規劃將財產移轉,以節省稅負。</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="6ucui-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="6ucui-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="6ucui-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="3lvvj-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="3lvvj-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="3lvvj-0-0" style="font-family: inherit;">八、 法令依據:</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="1roek-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="1roek-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="1roek-0-0" style="font-family: inherit;">土地稅法第28條但書規定:「......但因繼承而移轉之土地, ......免徵土地增值稅。」</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="4vf8h-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="4vf8h-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="4vf8h-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="b6e15-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="b6e15-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="b6e15-0-0" style="font-family: inherit;">更新日期:107-02-06 https://www.etax.nat.gov.tw/etwmain/web/ETW118W/CON/406/6822090748112116969?tagCode=</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="4blnj-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="4blnj-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="4blnj-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="8igqi-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="8igqi-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="8igqi-0-0" style="font-family: inherit;">[臺中市] 繼承人繼承土地,免徵土地增值稅</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="c8dsi-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="c8dsi-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="c8dsi-0-0" style="font-family: inherit;">(臺中訊)臺中市政府地方稅務局表示,繼承人因繼承而移轉的土地時,無需辦理土地增值稅申報,並免徵土地增值稅。繼承後的土地出售他人時,須要課徵土地增值稅,但前次移轉現值是以繼承開始時該土地的公告現值來計算土地增值稅。</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="ac4b7-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="ac4b7-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="ac4b7-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="eu7s3-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="eu7s3-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="eu7s3-0-0" style="font-family: inherit;">該局進一步說明,繼承人繼承土地雖然不須要申報土地增值稅,但仍應向國稅局辦理遺產稅申報,嗣取得遺產稅繳清或免稅證明書後,須向土地所在地稅捐機關辦理查欠,才能到地政機關辦理繼承登記。如果繼承人以繼承之土地抵繳遺產稅,要將該土地移轉登記為國有時,仍應辦理土地增值稅現值申報。</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="6id5a-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="6id5a-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="6id5a-0-0" style="font-family: inherit;">稅務局呼籲民眾,可比較土地增值稅與遺產稅的差異後,做適當的租稅規劃,利用租稅減免、獎勵或選擇的機會,做最適當的安排,進而達到減輕稅負之目的。</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="5p847-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="5p847-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="5p847-0-0" style="font-family: inherit;">更新日期:101-09-18發佈單位:臺中市政府地方稅務局</span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="3heva-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="3heva-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="3heva-0-0" style="font-family: inherit;"><br data-text="true" /></span></div></div><div data-block="true" data-editor="2vav8" data-offset-key="e707p-0-0" style="background-color: white; color: #1d2129; font-family: helvetica, arial, sans-serif; font-size: 15px; white-space: pre-wrap;"><div class="_1mf _1mj" data-offset-key="e707p-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="e707p-0-0" style="font-family: inherit;">https://www.etax.nat.gov.tw/etwmain/web/ETW118W/CON/444/7347971625243945902?tagCode=</span></div><div class="_1mf _1mj" data-offset-key="e707p-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="e707p-0-0" style="font-family: inherit;"><br /></span></div><div class="_1mf _1mj" data-offset-key="e707p-0-0" style="direction: ltr; font-family: inherit; position: relative;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgtHflRyB15VzabeOobPZXI-UJKDzUyf4BPR8O1qNIWpt8ZX7vWvoUdYZ7ZBaboU1LrzCT_dS5TG4iFDx0qNepyvEU-y6BgObqFsq72_-x-h3YSLusMEGmdB6WSR6nV_me5tqnzRBM9g4A/s657/ETWF001.20200623114342901.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="370" data-original-width="657" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgtHflRyB15VzabeOobPZXI-UJKDzUyf4BPR8O1qNIWpt8ZX7vWvoUdYZ7ZBaboU1LrzCT_dS5TG4iFDx0qNepyvEU-y6BgObqFsq72_-x-h3YSLusMEGmdB6WSR6nV_me5tqnzRBM9g4A/s640/ETWF001.20200623114342901.jpg" width="640" /></a></div><br /><span data-offset-key="e707p-0-0" style="font-family: inherit;"><br /></span></div><div class="_1mf _1mj" data-offset-key="e707p-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="e707p-0-0" style="font-family: inherit;"><br /></span></div><div class="_1mf _1mj" data-offset-key="e707p-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="e707p-0-0" style="font-family: inherit;"><br /></span></div><div class="_1mf _1mj" data-offset-key="e707p-0-0" style="direction: ltr; font-family: inherit; position: relative;"><span data-offset-key="e707p-0-0" style="font-family: inherit;"><br /></span></div></div>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-41454037978958502762020-06-23T14:10:00.000+08:002020-11-16T15:09:22.185+08:00般若波羅蜜多心經<table border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td id="HeadC"><h1 class="page_title"><span class="zy2">般</span><span class="zy1">若</span>波羅蜜多心經</h1></td></tr></tbody></table><div class="divContainer"><div class="divLeft"><p class="auther">唐 三藏法師玄奘 譯</p><p class="pXinJing">觀自在菩薩,行深<span class="zy2">般</span><span class="zy1">若</span>波羅蜜多時,照見五蘊皆空,度<span class="zy1">一切</span>苦厄。</p><p class="pXinJing">舍利<span class="zy1">子</span>!色不異空,空不異色;色即是空,空即是色,受想行識亦復如是。</p><p class="pXinJing">舍利<span class="zy1">子</span>!是諸法空<span class="zy1">相</span>,<span class="zy1">不</span>生不滅,不垢不淨,<span class="zy1">不</span>增<span class="zy1">不</span>減。</p><p class="pXinJing">是故,空中無色,無受想行識;無眼耳鼻舌身意;無色聲香味觸法;</p><p class="pXinJing">無眼界,乃至無意識界;無無明,亦無無明盡,乃至無老死,亦無老死盡;</p><p class="pXinJing">無苦集滅道;無智亦無得。以無所得故,菩提薩埵。</p><p class="pXinJing">依<span class="zy2">般</span><span class="zy1">若</span>波羅蜜多故,心無罣礙;無罣礙故,無有恐怖,遠離顛倒夢想,究竟涅槃。</p><p class="pXinJing">三世諸佛,依<span class="zy2">般</span><span class="zy1">若</span>波羅蜜多故,得阿耨多羅三藐三菩提。</p><p class="pXinJing">故知:<span class="zy2">般</span><span class="zy1">若</span>波羅蜜多是大神咒,是大明咒,是無上咒,是無等等咒,能除<span class="zy1">一切</span>苦,真實<span class="zy1">不</span>虛。</p><p class="pXinJing">故說<span class="zy2">般</span><span class="zy1">若</span>波羅蜜多咒,即說咒曰:揭諦揭諦,波羅揭諦,波羅僧揭諦,菩提薩婆訶。</p><p class="pXinJing"><div class="separator" style="clear: both; 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</div><br></p></div></div>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-33877822109346335752020-03-31T10:12:00.001+08:002020-11-16T15:09:32.834+08:00藥房買口罩再升級<div>天呀!1/24管制口罩到現在兩個多月了, 還要再九天 … 4/9起, 藥房排隊買口罩, 每兩週可買9片口罩, 比目前一週排隊買3片, 每兩週買一次整整多了3片喔!</div><div><br></div><div>註:別跟我說網購多方便, 下單取貨不用兩三週最快也要8-14天 (這種網購流程隨便任何一家網購二十年前就可以勝出) …</div><div><br></div><div><div class="separator" style="clear: both; text-align: center;">
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</div><br></div>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-27524475958209175882020-01-15T13:17:00.001+08:002020-11-16T15:09:39.618+08:00請問不拿中華民國國旗 …<div><span style="font-size: 16px;">請問不拿中華民國國旗?難道要我們像民X黨一樣拿臺灣旗?國X黨 共X黨的聰明蛋們 …</span><br></div><div><span style="font-size: 16px;"><br></span></div><div class="separator" style="clear: both; text-align: center;">
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</div>賈大http://www.blogger.com/profile/18036168473409621181noreply@blogger.com0tag:blogger.com,1999:blog-1275230805410561283.post-84030390966011163992019-11-01T15:16:00.000+08:002020-11-06T14:53:04.579+08:00政策利多為都更開闢開速公路 400萬戶老屋拚重生<div style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 15px; margin-bottom: 6px;">
政策利多為都更開闢開速公路 400萬戶老屋拚重生<br />鉅亨網新聞中心2019/10/30 12:52</div>
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《危老條例》上路兩年多,為過去冗長的都更程序開闢另一條高速公路,初期核准件數不多,今年以來卻迅速暴增,市場對於老屋改建由冷變熱,這股熱潮在政策利多支撐下,業界看好未來將成為趨勢,這一波危老重建熱,勢必成為點燃都更復甦的引信。</div>
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根據《財訊》報導,對老屋改建重造,其實民眾的需求一直存在,而且蓄積已久,21 年來全國核定件數不到 800 件,每年平均核定 40 件左右,相當只有 1200-2000 戶,面對全台 410 萬戶逾 30 年的老屋,這樣的都更速度,業界無奈戲稱像搭牛車一般,要等到何年何月才翻新。</div>
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根據內政部不動產資訊平台統計,光是台北市的老屋比率高達 68%,新北市 43%,等於每 2 間房子,就有 1 間屋齡逾 30 年,不僅房屋高齡,老化速度更是加快。10 年前,全台逾 30 年老屋有 200 多萬戶,現今增加 200 多萬戶,增幅高達 1 倍,預估 10 年後將增至 600 萬戶。</div>
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這些存在的老屋,同時潛藏公共安全危機,包括耐震承受度、海沙屋未能及時拆除等問題,如何能夠推動大面積重建再造,讓公權力適時介入,都是政府真正考驗的開始。</div>
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(圖表:財訊提供)<br />(圖表:財訊提供)<br />《財訊》報導指出,《危老條例》上路後改變了兩件事,一是打破重建面積的限制,降低合議難度;二是同意門檻採取百分百同意,解決依都更程序可能出現少數人綁架多數人居住權利的問題。危老重建的熱度正持續延燒,在雙北市尤其明顯,可以預期未來的 5 至 10 年,這個議題絕對會是政府的主要推動政策。</div>
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受惠於政策利多,這股改建量能正在大爆發,根據內政部統計,《危老條例》上路 2 年多來,截至今年 9 月底,全國危老重建案已核定 273 件,等於是平均每年核定約 136 件,相較於過去每年核定 40 件,明顯呈現倍數成長。</div>
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<span style="font-family: inherit;">危老重建已經為加速都更點燃了一把火,隨著成功重建的案例一一出現,接下來滾動量能一定更快速,這股才剛開始的重建風潮,將一舉改變台灣未來 50 年的城市面貌。</span></div>
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