[討論] BNO移居英國嘅財務安排

唔好理班友啦, 總之你有bno有得走,就係唔撚啱, 要留喺香港同佢哋抗爭， 或者過到去英國一定要租樓住， 唔準買樓出租畀人， 最好成家做乞衣， 咁就啱曬佢哋心水啦

人哋政策都出埋，呢6年係唔可以拎政府資源，咁仲要拗咩呢？

咁次移民潮最多後生，根本冇錢

賣股票/樓收入過咗一個數要收Capital Gains Tax
Dividend tax都有，都係過咗一個數就要收

兄你講緊UK resident but not domiciled, 咁你嘅海外收入係可以taxed on the remittance basis, 即係海外收入都要照報稅, 只係匯入先畀稅

咁你而家攞BNO visa去英國長住及計劃入藉, 即係long-term UK resident, 咁用reittance basis 係要額外畀個remittance basis charge, 如有錯請高手指正

If you’re a long-term UK resident and you choose to be taxed on the remittance basis, you may also be liable to pay the Remittance Basis charge

https://www.gov.uk/government/publications/residence-domicile-and-remittance-basis-rules-uk-tax-liability/guidance-note-for-residence-domicile-and-the-remittance-basis-rdr1

股息收入畀7.5%稅, 超過£50,001 to £150,000之股息先要畀32.5%, 點會蝕錢?

你賣股賺到錢, CGT有成 £12,300免稅額, 過咗先畀20%, 點會蝕錢?

你炒燶股蝕錢沽出, 咁就真係蝕錢

點知佢

Sorry 我以為Public school等於香港公立

是咪成個porfolio咁計？
海外收入係咪唔洗雙重課稅？

層樓仲係你個名, 一做land search就知, 仲包保有人會篤灰, 大把連登仔話圖已cap

用父母名收租, 但層樓係你嘅資產, 收入都歸屬於你, 你香港都要報property tax, 咪以為到時港共唔會同你報畀英國HMRC知

你父母銀行個個月有幾皮嘢轉帳入數, 你以為香港間銀行唔會問資金來源?

你香港收租唔報香港稅, 衰兩邊稅局, 仲大獲

搞得唔好你父母變咗同你洗錢+逃稅, 連你父母銀行戶口都畀港共凍結埋, 到時真係恭喜晒

香港同英國有double tax arrangement, 兩邊交稅, 但有得用tax credit抵稅

所以最好係賣晒D樓先過去。
唔係過到去，再賣或者放租都好重稅

如果你哋仲想為香港做翻啲野既就應該將所有資產拎走

呢個關乎 Split years treatment

UK resident 應該由你係UK定居當日起計, 之前收入以non-resident計, 請向UK tax accountant咨詢

Residence: The SRT: What is a split year

Under the SRT, an individual is either UK resident or non-UK resident for a full tax year, and at all times in that tax year.

However, if during a year the individual starts to live or work abroad, or comes from abroad to live or work in the UK, the tax year will be split into 2 parts, if their circumstances meet specific criteria:

a UK part for which they will be charged to UK tax as a UK resident
an overseas part for which, for most purposes, the individual will be charged to UK tax as a non-UK resident.

https://www.gov.uk/hmrc-internal-manuals/residence-domicile-and-remittance-basis/rdrm12010

Residence: The SRT: Split year treatment: Case 8: Starting to have a home in the UK

If an individual has no home in the UK but at some point during the tax year they start to have a home in the UK, then they may meet the criteria for Case 8.

They must:

be UK resident in the tax year
be non-UK resident for the previous tax year
be UK resident for the following tax year – this must not be a split year
have no home in the UK at the beginning of the tax year but start to have a UK home at some point during the tax year and continue to have a UK home for the rest of the tax year and all the following tax year

https://www.gov.uk/hmrc-internal-manuals/residence-domicile-and-remittance-basis/rdrm12270

美股點計法 我知有2000鎊免稅 假設我12500鎊人工 收$3000美股股息（已扣15% withholding tax) 匯去uk 係uk呢邊仲駛啱駛俾dividend tax

樓上已答過, US dividend WHT 15%可以當tax credit抵英國dividend tax

UK US 有double tax treaty, 可以睇返樓上

HK 被炒散,
你PARTNER 咪迫住走

你買美股本身會有5000磅免稅額

From April 2016 the Dividend Tax Credit will be replaced by a new tax-free Dividend Allowance.

The Dividend Allowance means that you won't have to pay tax on the first £5,000 of your dividend income, no matter what non-dividend income you have.
https://www.gov.uk/government/publications/dividend-allowance-factsheet/dividend-allowance-factsheet

tax on income (gained part)

美國收咗你15% dividend WHT, 畀你英國7.5%+5000鎊免稅額有9用

聽聞英國人會買Irish ETF / Fund去投資美股

都叫好過香港...

如果銀碼細既話..

香港有牌個邊認唔認

屌撚哂你班死賤種