移民外國慳稅秘笈 | 英國稅務系統 | 加拿大稅
ฝัง
- เผยแพร่เมื่อ 27 ส.ค. 2024
- 今集阿豬分享吓移民去外國後有咩策略比少啲稅。 我主要會講英國同加拿大，不過啲策略亦可以係其他西方國家用到。咁依排咁多人考慮用BNO移民去英國，所以我會解釋多啲英國嘅稅務系統，包括個人收入說和資本增值稅。
Patreon ➡ / ahju
阿豬iBanker短炒投資精讀班 ➡ www.ahjutradin...
IB 連結 ➡ bit.ly/3DX0Jul
In this video, I’ll share my strategies to reduce Ah Ju’s tax burden after emigrating overseas. I focus on England and Canada but the principles can apply to most western countries. Because BNO is a hot topic, I will go into extra depth to explain UK’s tax policies in income and investment gains.
3:57 避稅和逃稅
6:40加拿大資產增值稅
10:30 英國資產增值稅
11:40英國包稅務懶人包懶人
12:20 住英國係咪要交好多稅?
13:40 VAT稅
14:40 免稅嘅投資戶口
16:25 免稅信託
18:30 Capital Loss
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香港人移民前嘅心理關口 • Video
【 阿豬講投資 】
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Facebook bit.ly/2YCEVju
Disclaimer: I am not a tax advisor. This video is just me sharing my experience. Please seek professional tax advice if there is uncertainty.
![仲追唔追黃金同美股 [中文字幕] | 阿豬介紹美國ETF同分享股票市場睇法](http://i.ytimg.com/vi/txo4xXq3ozY/mqdefault.jpg)
依家大家打算移民去邊度? 英國,加拿大,澳洲定係第二啲地方?
英国，多港人😂
Have made submission to Taiwan, still considering possibility to UK/Canada/Austrialia.. :P
未定呀。英國，台灣機會大。其他未有機會咁。
比起英國, 覺得加拿大始終welcoming好多, migrant country...感覺上容易settle同blend in一點, 英國社會都幾有hierarchy, 有自己個pride係度咁...大家點睇?
心話UK, 腦話Canada, 打緊交😆
看得出阿豬很用心、花很多心思去搜集資料製作每一個 Video 👍 阿豬的讀心術越來越了得，每個製作，都能讀懂心裡有疑團、有顧慮......的香港人的心。在這樣的社會氣氛下，能看到這麽高質素且具參考價值的視頻，又不忘加插些搞笑位，真係笑咗出嚟！越看越精神。多謝阿豬💯💯💯💯💯💯💯💯💯💯
好多謝你嘅支持，因為我都正正係有咁嘅疑慮。反正做咗功課，同大家分享下。
@@AhJu Sorry for the diversion, Julian. Somewhere you mentioned about you wish to talk about bitcoin. May I know the youtube linnk please? Thank you.
@@articojau928 Julian ju=ah ju=pork pofolio =pig pofolio = the relationship
同意高地價政策等同税收。
追索原由，一方面是港英政府年代遺留的問題，依賴賣地收入，另一方面城規限制了香港人的思維，這也是港英政府遺留的框框。
8萬5本來不是一個差的方案，唯方案生不逢時(遇上1998至2003，96至97年抄賣借貸泡沫爆破了，通街負資產)。
之後，2008年金融海嘯下，美歐低息及QE，無底線買債買股，債息低，銀纸貶值，剝奪工作的人的收入及他們儲蓄$的underlying value。(於是窮者越來越窮) 講番
物業資產價格，亦因零息及QE，問題更加深化。
〈星加坡大多數人住组屋，市民基本生活才有保障，香港認真要學效呀！ )
我住在加拿大，你講的稅務資訊是真實的，你真是有做资料搜集。
講得好仔細啊都，我本身就起加拿大做野而income tax 的確係多過香港好多。另外聽過如果股票投資輸錢都可以照報稅，之後再賺錢可以抵消反相應既稅。另外TFSA 一定要用不過RRSP 就相對再復雜d, 因為你拎錢出黎個刻其實要收返稅
可能年尾都係搵個會計師幫手好d 😂
Well said & explained Wiky, support u from Canada. 👍👍
如果係低收入的人就真係要考慮供唔供 RSP, 因為低收入的人到65歲可以攞老人金（OAS) (這個無論高低收入都有）及補助金（GIS) (65 歲後低收入的才有）, 如果佢65歲後提取 RSP 款 , 那 GIS 就會相應地減少提取 RSP 款的 48% ！！
除非RSP 戶口增長很快, 否則唔着數 。
For US, if all your income comes from stock dividend up to 80k are tax free. Short term capital gain is 30%. long term capital gain is 15%.
Thanks for sharing.
80K is for married couples. If you are single it dropped to 40K
頂你，個opening已經正到喊
多謝Sam哥！都係跟你哋學嘢！長期追你哋啲片睇，多謝你哋畀咁多資訊香港人😭
見到嗰條友見到反胃
加拿大人！加油！
阿豬，我同老公而家每晚都煲你D 片，係我地嘅天書。 好鍾意你呀！
多謝你同你老公嘅支持！！
Happy weekend 🩵
Thanks for sharing ✨
阿豬，開場白果段我真係忍唔到笑，你真風趣。
Informative, appreciate your works, thanks.
Thanks Joe!
片頭好正，忍唔住第一次留言=D
BDW, 不知不覺成為你既粉絲！支持你繼續出多d高汁片！移民同投資都like x10000！！
Thank you connie!!
呢個二次創作真係好鬼正! 笑到我呢！🤣🤣
Thanks Taylor!
真係好x正，不過最好見埋樣
我生活在英國，有小小資料，主要食糧是沒有20%VAT（例如菜，肉，粉麵飯），但薯片，汽水，衣服，剪草機，私家車…要比VA丅，如去超市買左好多野￡100，見到收條上收了￡10 VAT，這樣代表買左￡50主要食糧免VA丅
Thanks for sharing P T
真係好有用嘅資料，解釋左好多我心入面嘅問號，你的followers 都好好，將唔清晰嘅地方再延伸，give a helpful hands to others 👍🏻
另外關於gift tax, 我想問英國係咪都唔收稅？ 有無限額如幾多錢一年？
1. 你唔講，我都睇得出你花咗好多心機整呢條片，唔明點解你又唔係收錢而仲有啲haters喺度challenge ……
2. 呢條片巳經袋咗好多錢入袋，好在你仲未講CRS仲未講 domicile,
3. 你住安字？
多謝阿豬!🙇🏽♂️
Thanks Faynin for your support as always! Happy to have people recognize my time + effort！Forget about the haters. Not worth us wasting our time and emotion energy. Just keep sharing.
What is 安字？
@@AhJu 我見你拍one island east，以為係街坊😅
阿豬，好開心見到你越嚟越進步，越嚟越多資料又有用，充實😍但我依然覺得個background唔係好吸引我😅所以我都係專注個內容😅
呢條真係好有心同好 well prepared! 同埋你把聲好好聽!
順帶一提英國額外仲有 National Insurance 係 12% 同 2% 累進, 所以最高 marginal tax rate 會去到 47%
多謝阿豬 我今次已經睇晒所有廣告😂 大家加油💪🏻
Thanks Yuki!
補充一下,, 其實RRSP係一個Tax Deferral嘅手法，尤其係當你個marginal tax rate 係高嘅時候（即係你係高收入人士）個tax saving 會越大。因為RRSP會減低你收入, 咁你就有機會降低你嘅marginal tax 因為你會有可能跌到下一個tax bracket. 咁樣你就會比少啲稅。但當你退休之後，冇收或收入減少，你要靠RRSP生活，於是就從你的RRSP攞錢出嚟過活，但係從RRSP攞錢出嚟就會變成你嘅收入，所以要打稅。但因為你可能已經從一個高收入人士變咗低收入人士（retire左）所以你當時的marginal tax 已經跌咗落嚟，咁樣就慳左稅啦！另外，再補充一下 capital loss可以無限期 carry forward. 所以若果你當年冇 capital gain 去 net off 你的 capital loss 嘅時候你可以op to carry forward 你嘅 capital 去將來。或者你過去三年有 capital gain 嘅話你亦可以net off 之前三年嘅 capital gain, 然後CRA就會回水比你😊
Correct. Suggest to use RRSP room to reduce your tax payroll total amount and get a refund on deducted income tax from your pay check. Then deposit your refund to a TFSA (Tax Free Saving Account) for any investment as any gain in this account is tax free.
It is a very good tutorial material, I strongly suggest you to add closed caption with your video.
加拿大沒有遺產稅，但有資產增值稅！人死後遺產交給繼承人是要先交足資產增值稅才可過戶, 有啲人要去借錢邀稅先，才可把遺產物業過戶。RRSP, TFSA 就更加要小心了解， 當然好似在退休前可以慳到一啲稅，但係這一筆錢在你退休的時候便作你的收入仍然要繳稅， 亦都因為這一筆嘅收入，令到你嘅養老福利減少！ 同埋要留意呢這些戶口嘅錢，係有限期嘅，70歲之前你用唔曬啲錢，政府在這年會全部當年收入繳稅！隨時無咗一半。
Thanks for your info!! Very useful!
Not necessary, careful financial planning can avoid a lot of the problems.
未睇都like定先
據我所知，最尾資產比番你的時候，應該當作你的年度收入，係要打稅的
Thank you for sharing... regarding to TFSA account, the constribution is accumulated from year 2009. TFSA constribution is not tax deductible, only the interest and investment gains in that account are tax free. Please be aware when withdraw from TFSA, better don't deposit it back on the same year. Because it counts by the total deposit so is easy to be trapped of over contribution.
內容係幾好 但係懶音聽到我好辛苦
Thank you for your unselfish sharing! Glad to see your subscribers climbing up fast, keep up the good work :)
Thank you too!
in case if you don't sell the stock you don't have to pay any capital gain. There's also different between short term capital gains (sell within a year) tax rate is usually higher than long term (sell after 1 year). Ideally just keep the stock and sell within low tax bracket range. In US if you have no income from regular job in low tax bracket (40k usd after deduction ) a year, it is same as Hong Kong you pay 0% tax for long term capital gain.
waa..豬你嘅分享真糸不計成本!👍
already paid. might as well share
在澳洲CGT，持有資產（股票或物業）12個月或以上才可tax 其價值之50%。即係話短炒要tax 足100%。好似同加拿大唔同。要移民人士最好在成功移民前考慮各方面因素，land前賣或不賣自己在香港的物業。因為在港物業亦可能要打CGT。
講埋澳洲避說就好，加在收費频道內都正吖🙏🙏
超like,最想知慳稅，多謝你幫忙🙇🏻♀️
Merry Xmas 🎉
多謝阿豬，資訊好有用原來可以咁樣慳法👍🏼👍🏼
you'r welcome HK HK
Even since the implementation of Common reporting standard(CRS), investment in financial institutions are required to provide your TIN.
The purpose of AML regulation is not to stop tax evasion. The reason behind CRS is.
In UK, there are trading instruments which are completely tax free.
阿豬，你好正啊！頭幾秒仲未知咩事，以為嗰個廣告變咗種。但明明聽到你把聲。當你一說「冇錯！係絕對冇可能！」，我爭啲噴飯（我正在 lunch）！哈哈！
你用咁多心機製作這片，很多很有用的資訊，感謝你的付出！我會再看多一遍。不想花費你的心血！真心多謝！
PS：14：48那1號球員射嗰球係咪入咗？定係 hi 邊？射得不錯！
Haha thanks Logic!
Hello 阿豬: to clarify on Canada's RRSP account, the annual RRSP contribution room is based on your previous year's employment income's 18% (excluded investment income and capital gains) with max approx C$27K. If you don't have employment income, you have no room to make RRSP contribution.
It is 18% of all earned income including alimony(lol), minus contribution to registered pension plan.
應該英國，始終暫時用BNO 應該最容易
好詳細，多謝你咁努力搜集咗咁多資料。👍🏻
👍
謝謝分享，非常有用！
但我睇過下uk 既capital gain tax, 對於trading 有份trader 同 investor，抽稅方法同capital loss既calculation 都有不同。 trader and investor 既 status 重要唔係solely independent but can switch over or can be both at the same time over a tax year ...
🙏🙏🙏好有用的分享，十分感謝！
多謝你嘅分享，下次可唔可以試吓講吓遺產稅🤑，亦疫症肆虐咁人生無常
Very good video with very clear explanation. Thanks a lot on your effort.
You are most welcome
再重温！做準備！謝謝亞豬
You get dividend tax credit for dividends from Canadian corporations. The effective tax rate is almost ZERO for your first $50k or so dividend income if you have no other income, depending on which province you reside.
其實你收取美國公司股票的股息 , 也有 foreign dividend tax credit 的, 不過那公司派息時 , 那股息有15%被美國政府收去 , 當你報加拿大稅時如果你有稅要交的話 , 那交了給美國政府的股息稅就會從你的加拿大稅減番 , 當然如果你最後是不用交加拿大稅（因低收入）, 那筆交了給美國的股息稅就攞唔番了 。
@@chanfranc Not true. The foreign tax credit only allows you to avoid double taxation on that dividiend income. That is, you still get only 85cents for every dollar of dividend income you received.
For eligible canadian dividend, you could very much get to retain every cent of your first 50k or so dividend income.
@@jeffreyng5685 You misunderstood my statement. (or my wording "交了給美國的股息稅就攞唔番" is misleading).
If you have received foreign dividends (e.g. from a US stock), then Box 16 on your T5 slip will contain the "withheld dividend tax amount" (i.e. the tax amount you have already paid to US government for the US dividend).
This amount will be deducted from your tax payable to CRA (Canada). So your statement "The foreign tax credit only allows you to avoid double taxation on that dividiend income" is CORRECT.
It is true that you always only get 85% of the US dividend into your pocket. But my point is:
1. if in the end you have to pay tax to CRA, your 15% of the dividend paid to US government will be deducted from your tax payable. Therefore, essentially you are "getting back" the 15% money.
2. if in the end you don't have to pay tax to CRA (for that year), then you will never get back that 15% of dividend.
@@chanfranc you get the foreign dividend tax credit because you also have to report the foreign dividend as income, so the credit will avoid double taxation. I dont think you can "get back" the 15% by offsetting your tax payable to CRA.
@@jeffreyng5685 Have you had a case of "federal foreign tax credit" before? I have my 2020 tax return here with me, and it clearly shows this tax credit amount on the line 40500 and the amount is clearly deducted from the "net federal tax". (Note: Deducted from Federal Tax only, not from Provincial Tax)
我永遠支持阿豬，yellow
阿豬，多謝你，超pro,好喜歡你的gag（賓洲大學）😂😂😂😂😂
咁快又有新片睇👍🏻期待🌈🌈
Happy weekend Chloe!
TSFA limit changes every year. The bank of canada will announce the limit each year. Since it inception, it ranges from $6000 and $10,000. Only these two numbers. There is a reason behind it. But I don’t want to explain here. Its not important.
加拿大如果收入低，Dividend tax (加拿大公司) 係少過 Capital gain tax。詳細可以睇 www.taxtips.ca/taxrates/bc.htm (BC省)。另外 dividend tax係每年計你嗰年收咗幾多，Capital gain 係計你賣嗰年，所以如果長揸升咗好多，慢慢分開幾年賣可能抵啲。
Up to approx. $47k per person in dividend income from eligible Canadian companies. Assuming one has no other income in that year.
thanks Louie
如果想省CGT, 夫婦應該依他們不同的稅率分配資產的持有比例，例如丈夫是交最高稅率而太太是最低稅率，咁太太就持有資產比例較多，令最後需要交的CGT 下降。
超正阿豬👍🏻👍🏻👍🏻知道你係真心搵料同大家分享😍但我個人就唔係好鍾意睇風景相😉
乜嘢背景會好啲？
阿豬移民日記 可以用動畫吖，我覺得「英移先生」一路講一路畫，很強化講嘅話題，立體咗個題目，好有mind map 個feel! Think think ar, 因為啲背景片唔夠帶出你嘅話題，如果唔係你講𡁵嘢，我會覺得似係大台播「XX看地球」報時報天氣😅😅😅 Hope to see the changes soon or new ideas. I will keep tracking you videos 👍🏻👍🏻👍🏻
多謝呀豬袋錢入我袋🙇🏻♀️
唔駛唔該
Thank u so much for sharing, very useful~🙏
今集做得好出色，解釋得很好！
你個開頭好正🤣🤣🤣🤣
多謝分享稅務資訊，好有用👍🏻
Thanks June for your support!!
建議講下uk/hk double taxation agreement. 因為好多人担心去左英國賣港樓要比好多CG 税。Thx!
👍
hahaha~~個opening太正啦!抵讚!
Thanks!
thanks! great stuff! 不過, 英國食材，報紙和兒童衣服零VAT，VAT令價錢明顯比香港貴只係consumer durables，例如手機，電器，遊戲機
its my first time to like and leave comments for watch a vid the first time ... well done ... very details ...
Thanks for your support James!!
好正👍🏻做咗你fans❤️
如果加拿大和英國比較，真係各有千秋。
但如果今次英國可以俾BNO人士5+1移民英國就真係機會難逢。
阿豬，今次好難選擇。
多謝你分享的資訊。
You are welcome!
等你出呢個ISSUE 好內，第一時間睇你分析,thank you so much .
Thanks Gin for your continuous support!!
@@AhJu Please keep continue for financial analyst
+ Tax at Canada or U.K , Gorgeous Sharing . ( I am also newcomer @ AB , Canada )
Will do!! All the best in Canada!
多謝你嘅分享, 好中肯客觀….不過你講到在英國年收入(27300) 不用交稅例子, 個中有 tax free items 包括 Capital Gain 12300, Dividend Income 2000, Interest Income 1000…但如果以呢幾個數計番需要嘅本金, 其實都唔係細數目…, 唔知我有無錯誤理解, 請指教
在美國可以每年買IRA （Traditional or Roth）來延稅。每人每年可以放 USD $6,000 或$7,000 (50歲以上) 這$6-7,000 便可減少你當年的報稅收入
Why would you want to put money into a pension fund where its govt is going into bankruptcy?
好用心！加油💪🏻
Hi Catherine. Thanks for watching my videos again!
好有用嘅資料呀，多謝豬豬。
請問可以講下澳洲嗎？多謝分享指教
I want to know more about trust. The officer said generally it is beneficial to use trust when your asset is more than 30M. Why is that?
Can you talk about how to setup the right structure (e.g. ltd) to purchase a first or second property in the UK please?
多謝分享, 長知識。可以分享一下加拿大和英國的生活?
Ok next video! Stay tuned
canadian residence here: be aware of the type of your investments you put in your investment accounts. US does not recognize TFSA as retirement saving account so any dividend would be subjected to 35% withholding tax. On the other hand, since TFSA is tax-free in Canada, you won't receive any tax credit from tax being levied.
For my account, the withheld tax by US is only 15%, where did you get the “35%” ?
@@chanfranc i check the tax treaty and you are right - its 15% or 20%. It doesnt change the moral of the story that you should never put any us dividend paying stocks in tfsa. Nevertheless there are other rules applied to tax status of a company so its never a clean cut, e.g. philip morris generates more than 80% of its revenue outside of us so another rule applies. This company only needs to withhold 5% of dividend as wh tax.
@@littlewhitelwlw I agree with you regarding not putting "high-dividend" US stocks into TFSA account, and RSP account too.
But is it really true that different US companies withhold different percentages of the dividends? I would have thought that if you are buying a US company's stock and you get a dividend, you are essentially getting a US income. So you have to pay tax to US government. Since the US government does not know your "tax bracket" in your "home country", they just charge a fixed percentage, regardless of the type of US company. So you are saying my perception here is wrong?
Very technical and useful information!
Glad you liked it
books, children's clothing and most food are zero tax in UK.
very informative! thanks a lot for your sharing
極有用!!!一定分享給朋友,再聽多十次!我想問,如果是炒牛熊證,期權,期指,是否一樣計法呢?
yea . also capital gain
@@AhJu 牛熊證,期權,期指只計算capital gain,唔計入income tax嗎?
講少了幾㸃嘅
1，香港的MPF可以算是稅，強的，所以第一件事是申報永遠離港，cut loss at MPF deadly fee.
2，很不幸，兩個國家都是全球徵稅的，離港前計劃下盡量賣掉東西，省下將來交capital gain tax.
3，九成都會買美股，美國tax 你 30% on dividend 和 interest, 有兩國交兩邊double 稅的問題，香港因為低稅才 30%, UK and Canada 無咁金 5 or 15%
4，canada 有十幾個區，區區稅率不同，想慳稅就要比較下每個區省
無眼看武漢 加拿大公民喺美國嘅收益係有tax credit，最好check check
Chin Li 所以咪只收5/15%, 不是香港的30%
無眼看武漢 唔好意思，會錯你意思
無眼看武漢 如果係UK，會收5%還是15%..？
Curly Wong 詳情是這裡，自己睇
www.irs.gov/pub/irs-utl/Tax_Treaty_Table_1_2019_Feb.pdf
阿豬係叻叻豬
🤤
呀豬，我打算去英國。有個小問題
若我有張香港出的信用咭，到英國使用（包括駛費和atm㩒錢），而張咭每月我家人會找數。我在英國有沒有報稅的需要？包括arising based 或 remittance based. Primary card holder 或 supplementary card card holder 有無唔同？
我人在加拿大溫哥華, 如果你是SELF- EMPOLYED, 即自己開公司, you tuber, agents或者收入的全部或部份是以佣金制 而這工作而產生的成本,如(Rental, car, gas, entertainment, 文具,電腦,登廣告的費用等等..) 的都可以當作EXPENESS 來抵稅.
Thanks for the advice Van Nic
@@AhJu thank you for producing such a good content channel, I can learn a lot from it, even though I am an old immigrant LOL, I meant you know more than me
Thank you for your compliment & support Van!
the information u have provided is utterly useful and easy to understand
Thanks for the compliment Tom
我今日真係學到好嘢！超有用！
vat我覺得啲嘢真係貴咗好多尤其是對比香港嘅話，食個麥當勞肯德基都要比說，，唯一覺得平係你係買返英國野或者歐洲嘢就可能平過香港買但係其餘嘅嘢都係香港買平同埋外國好少大減價剩係得一年一次嗰啲咁嘅聖誕大減價買埋啲唔等洗嘅嘢但係香港平時會有好多優惠百貨公司舖頭嗰啲都係成日都係冇乜減價
終於講稅啦!
呀豬，多謝你既解釋同分享，請問有無可靠既尊業人士可以介紹，根據個人情況講解如果去英國，加拿大個人嘅稅務安排？收費大概多少？
個開場白好正🙈 anyway thanks for ur sharing 阿豬!
Glad u like it!!
英國利得稅是19%? 如以公司投資, 買樓, 做網上生意, 如有10萬鎊,只19%,比入息稅的40% 少50%, 可行? 開公司費用貴, 很多手續?
另有事想請教，知否在UK，如買一物業夫婦聯名自住，另一聯名出租，另一單名出租，税是否很重？購買次序應如何較佳？🙏🙏
好有心機的分享, 多謝阿豬, 八萬八 !! 我都係鍾意隻狗仔多D
下次加返多啲狗仔~
多謝阿🐷，我乜都唔使做又學多咗D嘢喇！
You are welcome!
Your finance knowledge will be super super useful in your master study....
好多資訊謝謝你。可以分享下如果我們只是英國投資的話，稅務又如何呢？因為始終沒有咁快走，想投資下再慢慢部署先。
想請教如果在英國或加拿大購買美股, Dividend 唔係應該有double tax treaty, 稅務只需要交15%比美國政府, 不需要交給英國或加拿大政府?
但是美國對於外國人沒有美股capital gain tax, 咁capital gain tax就需要交給英國或加拿大政府?
同問
呀豬去外國可以教書
哈哈哈哈
你既機械人聲好舒服，加油
Queenie Lai 好似睇緊細個既ETV
好主意喎! Thanks for coming back Queenie
其實都有考慮過去start-up公司打工，人工唔高但有stock option。不過，果D公司又未必好做，而且想提昇身價，都係有大做大...
Great video! Love your humor! Btw other than family i think you can consider giving your assets to your close friends as well (limit to 1-2), helps diversify the risk as well!
That is a great idea. Let me tell my friends to diversify to me
要肯定該朋友永不會由 “黃” 轉 “藍” 喎 ！ 😆😆😆
Volume 好咗好多👍🏻！
講得好好！聽完英國vs 加拿大，美國稅真係重，一啲capitol gain, interest Allowances 都冇。 中產大部分25-30% tax😕
👍 慢慢掌握到 volume
好清楚啊，多謝阿豬。
我想問吓如果之前買落嘅基金，之後賣咗佢攞返啲錢，英國要唔要交稅呢？另外媽媽香港一份人壽保險我係保單持有人，將來百年歸老嘅時候所得嘅賠款又需唔需要俾稅呢？
真係好用心！
你解說得好好，好詳細，我即刻subscribe 咗，如果有海外物業收租，租金是當salary嗎？
租金是收入不是薪金，而且所有支出：供樓利息，差稿，維修…在租金收入扣取。
第一次睇，好有用！謝謝。
Welcome Rowenta!!