आप investment property कैसे own करते हैं tax, asset protection और long-term wealth planning के लिए matter करता है।
Ownership Structures का Overview
| Structure | Tax Rate | Asset Protection | Best For |
|---|---|---|---|
| Personal name | 10.5-39% | None | Single properties, starting out |
| Company | 28% | Good | Higher income earners |
| Trust | 39% | Good | Estate planning, asset protection |
| LTC | Personal rate | Good | Passing losses to shareholders |
Personal Ownership
अगर आपकी marginal rate 28% से below है, तो personal ownership company से ज्यादा tax-efficient है।
Company Ownership
जब आपकी personal marginal rate 28% से exceed करती है, company ownership सबसे beneficial है।
Trust Ownership
April 2024 से, trustee tax rate 39% तक increase हो गई है। Trusts strong asset protection provide करती हैं।
Look-Through Company (LTC)
LTC एक special type की company है जहां profits और losses shareholders को ownership percentage के basis पर pass through होते हैं। Key advantage है कि rental losses shareholders की other income offset कर सकते हैं।
Buy करने से पहले Structure Choose करें
Right choice आपकी tax position, asset protection needs और long-term plans पर depend करती है। Purchasing से पहले professional advice लें।
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