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在今年的预算案中,房产所有者躲过了一劫,数十亿元的税收减免并未进入联邦政府的审查范畴之内。
一直以来,房产都是联邦预算中的小角色。但是随着霍奇(Joe Hockey)首份预算案的严厉面貌越来越明晰,房市似乎就成了阻止税收流失的重点目标之一。
大家的担忧包括家庭住房可能会被计入老年金领取资格的家计审查之中,而负扣税则将受到审查——如果取消负扣税,则政府的财库就将立即多出60亿元的收入。但也有不少专家表示,由于失业率逐渐上扬,因此房产应该不会成为联邦的打击目击,至少当下如此。果真如此。
由于联邦政府没动负扣税,因此投资者可以暂时缓一口气了。但是这样的好日子会持续多久呢?金融评论员DavidKoch认为,由于负扣税似乎并未促进新屋投资(这原本是它的初衷),因此在不久的将来,这一规定料将改变。
这份预算案也没有对家庭住宅下手。针对自住房的CGT免税政策仍未改变,而且老年金领取资格的家计审查中显然也不包括家庭住宅。
政府的撙节措施将会影响家庭情绪以及总体的经济,因此,央行收紧其宏观政策的必要性就大大减少了。因此可以说,这份预算案对于房贷持有者而言是一个好消息,因为它将让利率继续保持在较低的水平。
英文原版:
Negative Gearing Escapes The Chop For Now
By John Hilton | 14 May 2014 12:32 PM
Budget night was not a time home owners were looking forward to. They knew that Joe Hockey is looking at many options for the chop,and one area that has been floated for reform is the property sector. In particular, negative gearing.
However, the existing arrangement has been left as it is,which is good news for home buyers, and arguably not so for the budget.
According to Grattan Institute research, quarantining negative gearing losses would save the budget around $4 billion per year initially and fall to a saving of around $2 billion per year over the longer term.
SQM Managing Director Louis Christopher argues that the federal government would not want to impact negatively on a construction recovery or jeopardise the economy just to bring the budget pack to surplus.
“If negative gearing was repealed or altered, investors would back off buying into the housing market, which is what those who are demanding lower dwelling prices want to see,” says Christopher.
The other area the federal government didn’t touch was the family home. It was expected by some that the family home would be means tested for the aged pension.
In fact, it was proposed by the Commission of Audit to include the family home in the assets test from 2027-2028, but the government also ruled this out.
However, one disappointment for property advocates was that the government did not proceed with the final round of the National Rental Affordability Scheme and withdrew $235.2 million from the scheme over three years.
Nick Proud, Executive Director of the Residential Development Council, says the move was not to his liking, but welcomed the chance to participate in a new scheme.
“The property industry has long advocated for a review ofthe program to improve the outcomes and ensure it remains focused on delivering affordable housing supply.
"The scrapping of the National Rental AffordabilityScheme is disappointing but leaves the door open to the government to focus on new levers to improve housing supply and affordability.”
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