2013年3月30日

Empty home owners' council tax shock

原本「非主要自用房屋」(second home)和「空屋」的房地稅(council tax) 是可以打五折的,但現在市場上空屋太多,很多人買不起房子也租不起,因此許多地方政府打算要取消打折,並針對非主要自用房屋和空屋額外加徵 50% 的房屋稅!

這也許可以作為政府規劃房屋稅、地價稅及「空屋稅」的參考!


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Men renovating a house Concessions on empty homes and second homes are being removed in England

A million home owners who do not live full time in their property could see their council tax rocket in April, as most automatic discounts are to end.

The change, which will affect second homes and empty properties in England, could see bills for 2013-14 rise by 200%.

Previously, such properties had benefited from a 50% discount.

The new rules give councils more freedom to raise money locally and bring empty homes into use.

Councils do not have to increase taxes on second homes and empty property. But the Institute of Revenues, Rating and Valuation (IRRV) says early evidence suggests most of them are doing so.

Speaking on Radio 4's Money Box programme IRRV chief executive David Magor said financial need was forcing them to take advantage of the new rules.

"The government is trying to get a greater yield from council tax to keep the overall level down. And it is trying to encourage the occupation of empty homes.

"But sitting behind this is the funding of the council tax reduction scheme. Councils have had to adopt these provisions to find the money to finance those schemes."
Current exemptions
Altogether they must find more than £400m to fund the reduction scheme for low-income families. And the 710,000 empty homes and 250,000 second homes are an easy target.

“Start Quote
If they'd told us a year ago maybe I could've pushed and got it finished”
End Quote Katrina Empty property owner

Empty properties without furniture are currently exempt for six months in England and then get a 50% discount. In future the council can decide to charge the full payment from the start.

Similar changes apply to vacant properties which are undergoing major repairs or alterations. An automatic 12-month exemption ends in April and many councils are charging the full amount.

Once a property has been empty for two years they can charge a premium of 50% on top of full council tax.

Katrina bought a property in Rotherham to renovate while she still lived with her mother. Her council tax will rise from just under £50 a month to almost £150 as a 50% reduction becomes a 50% premium.

"There is no law against taking a long time to get it renovated. If they'd told us a year ago maybe I could've pushed and got it finished. But I've been given less than a month's notice."

Rotherham Council said it had consulted on the changes in the autumn.

"We had to make these very big changes because by abolishing the previous national Council Tax Benefit scheme the government left Rotherham with a huge shortfall that was previously used to help those vulnerable and most in need across Rotherham."

Landlords too will find their costs go up. At the moment they get six months free of council tax between lettings of unfurnished property. But from April that will end.

Adrian Thompson, Director of the Guild of Residential Landlords rents many properties out in the North of England. He says rents will have to rise.

"I can see no choice in the matter, Returns are very low anyway. I can't see any choice."

And he says it does not help that councils are all making different decisions.

"Harrogate are giving one week instead of six months. But Sedgefield is three months. And Leeds 20 miles away is zero, not even a day. It's a nightmare. "

Communities Minister Baroness Hanham defended the changes. "Localisation will give local authorities the flexibility to design council tax support schemes for working age claimants in their area. Many are delivering savings using their local flexibilities and discretion"

2012年11月24日

金管會大執法 金檢13家投信

今天看到新聞金管會要金檢13家投信,對於違規的經理人「一定處分」。這種聲明實在讓人不解。經理人出問題,其他高階主管,特別是內部稽核和法務部門都不用負責,真是讓人稱奇。然後,明明兩年前就知道問題,現在才開始清查,還說要「一定處分」?這些經理人沒有觸犯「背信罪」的疑慮嗎?怎麼不移送檢調機關調查?
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金管會大執法 金檢13家投信

【聯合報╱記者孫中英/台北報導】 2012.11.23 05:17 am

盈正案、友輝光電炒股疑案連環爆,金管會昨天表示,檢查局已鎖定十三家投信公司,即將啟動專案金檢,最快年底前提出報告。

金管會官員說,這波專案金檢範圍包括資金流向、買賣個股時點、經理人相關帳戶、交易監視系統等,除調閱相關交易資料、全面比對查核之外,並且指派檢查人員實地檢查,金檢時間預定一個月。

官員不願透露金檢投信名單,只表示,這十三家投信都曾接受委託為政府基金操盤;外界則點名安泰、凱基,德盛安聯、群益、永豐與聯邦等投信,可能都已被檢查局鎖定。

金融界人士說,「專案檢查」一般以銀行、金控為主,很少針對投信公司,這次專案金檢,凸顯金管會掃蕩炒股決心;不過盈正案發後,金管會先是下令卅八家投信經理人「自清」,現在又祭出專案金檢震撼彈,政府大執法,遏止投機炒作,也可能嚇跑資金,台股成交量恐更難回溫。
金管會昨天也說明盈正案的處理情形,證期局副局長王詠心說,投信經理人「全面自清」,查出四家投信的四名基金經理人交易異常,其中一人已放棄陳述機會,另三人違規金額不大,金管會目前複查中,也同步清查友輝光電炒股疑案。
至於在「自清」時閃辭的五名基金經理人,王詠心說,如查出這些經理人涉及違規,一定依法處分;市場也傳出五名經理人中有人涉及炒作友輝光電股票,王詠心說,全案調查中不便回應。
【2012/11/23 聯合報】@ http://udn.com/
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