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The Tax Working Group has recommended a range of comprehensive tax changes

The Tax Working Group has recommended a range of comprehensive tax changes

Wed, 20 Jan 2010 1:00p.m.

The Tax Working Group has recommended a range of comprehensive tax changes including raising GST to 15 percent and taxing capital gains on residential rental properties.

Options suggested in a report by the group today include a risk-free rate of return method for calculating capital gains on investment properties.

The report also has an option of a low-rate land tax.

The risk-free rate of return method works as follows: if someone owns a $300,000 property with a $200,000 mortgage and the annual risk-free return rate is set at 4 percent, taxable income is calculated at 4 percent of the $100,000 of equity in the property, giving a tax of $4000.

Someone on a personal income tax rate of 38 percent therefore ends up paying $1520 of tax.

"Put simply, the tax system is broken and needs to be fixed," group chairman Professor Bob Buckle said.

"We've suggested a number of ways this can be done."

There was a once in a generation chance for New Zealand to have a world class tax system, he said.

The report also recommends increasing GST to 15 percent, saying this would have merit on efficiency grounds, but any increase in GST would require compensation for those on low incomes.

The report also says that the company top personal and trust tax rates should be aligned to improve the integrity of the tax system.

Prime Minister John Key says the Government will ponder the report in coming months, as part of this year's budget.

The Government has refused to rule out any tax changes apart from a capital gains tax on the family home.

 

Recommendations from the Tax Working Group

 

  • The company, top personal and trust tax rates be aligned;
  • the company tax rate needs to be competitive with other country's rates, particularly Australia's;
  • the top personal tax rates should be reduced as part of an alignment strategy and to help growth;
  • increasing the goods and services tax to 15 percent would have merit on efficiency grounds but would require compensation for those on low incomes.

 

Options for broadening the tax base:

 

  • A majority of the Tax Working Group supported taxing returns on residential rental property using the risk-free rate of return method;
  • most members supported the introduction of a low-rate land tax;
  • the removal of a 20 percent depreciation loading on plant and equipment;
  • removing tax depreciation on buildings if they do not depreciate in value;
  • changing thin capitalisation rules for foreign owned companies;
  • a comprehensive review of welfare policy and how it interacts with the tax system;
  •  institutional arrangements to maintain the overall coherence and integrity of the tax system.
 

3 News / NZPA

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Comments [28]

Phil
08 Feb 2010 10:02p.m.

But what about all the small businesses (isn't owning rental property a small business) which, while their company is building an asset base, etc claim losses in Company A against other personal income. The fledgling business might even run at a loss for several years right? If rental incomes losses are to be "ring fenced", wouldn't it be fair if all small business be treated in the same way, or am I missing something here?

ben
23 Jan 2010 8:42p.m.

For those complaining about GST it may pay to read the whole report that states that there should be no movement in GST.

Landlords: While I aplaud your effort to provide a retirement income for yourself. Property has been a tax haven for years now and needs sorting out. For those landlords who have positive cashflow and made sound bussiness desisions will be unaffected by these changes.
However to claim that you do a service to society is complete nonsense you are a drain raping the younger generation. This is why your children are moving back home.

Dan
22 Jan 2010 10:55a.m.

Spot on Simon. That is the truth and it will transpire cause we the people of NZ are in the habit of electing idiots and clowns to manage the country.

Simon
21 Jan 2010 9:41p.m.

Every time govt or councils intervene in the property market it causes problems.

If the govt taxes property the following will happen.

Housing building in the lower price bracket for rental purposes will stop.

Kiwi investors will not sell their properties in a panic unless they have to, they will slowly drip them out on the market over a period of years to be purchased by an increasing population.

Kiwis seldom bite the bullet and sell for least than what they have purchased a property for.

Within 5 years there will be a critical housing shortage, prices for existing housing stock will have gone thru the roof and the govt will be pleading for private investors to get involved in the rental market.

Caravan parks will over run with renters and the mobile home market will have increased 10 fold.

A lot of middle class Kiwis will shift to Aust and take their wealth with them.

Govt never learns, the market will always rule.

Few will invest in the sharemarket, why would u, houses never vanish, NZ companies almost always do eventually

Kelly
21 Jan 2010 12:12p.m.

I luv it, thank you Alien if you weren't so ignorant you'd realise that Christianity has nothing to with politics and never has. I'm not a Christiian but New Zealand was founded on Christian laws. Freedom of expression' is the free right to vote for who you like, and I ain't voting for neither Labour/National even though National have done many good things for country. And Family First are a lobby group and have nothing to do with The Family Party. The Family Party were founded after Destiny Churches march for democracy and it was peaceful as Aucklands traditional family orientated march for democracy. A cult has nothing to do with Jesus and Destiny Churches only preach about JESUS. So if you're shi' stiring Alien jump back in your spaceship and 'spin' shit there so noone can here you please, thank you?

kay
21 Jan 2010 9:58a.m.

I AGREE WITH PHIL JONES.WE WERE TOLD WE HAD TO SAVE FOR OUR RETIREMENT.NOW THEY WANT TO TAX US FOR IT.NO WONDER PEOPLE ARE LEAVING THIS COUNTRY

cathy
20 Jan 2010 7:17p.m.

i take it roxanne you were refering to my comment, the reason we did what we did was so we would not take from nthe gov at age 65, our rental's are not run down and we charge below market rent, with some tennent's being with us over 15 year's

roxanne
20 Jan 2010 6:46p.m.

Gee let me see, having a bunch of houses that I claim tax on and can sell anytime and also go on Super at age 65 (and let me see also getting rent on same houses) versus being on a dole in a run down rental with nothing to look forward except maybe super at age 65yrs...hmmm it's a toughie. But go ahead sell all your assetts and live on a benefit with no hope or cash when you are older and see how it stacks up....I would be interested.

Alien
20 Jan 2010 6:08p.m.

why would anyone vote for the family part? A party that is against woman's rights, they must be they want abortion banned, and a party that is against equal rights, since they aren't supportive of gay rights. Yes vote for family first, it has a strong influence from that destiny cult. I'd rather vote ACT than family first and I would only ever vote for act if I was blind drunk and ticked the wrong box with a gun to my head

Jef the ref
20 Jan 2010 5:56p.m.

I believe that all depreciation, outgoings and expenses must be tax deductable but they should only be offset and limited to the income derived from those asset and rental properties should be no different. The current tax laws cover most circumstances regarding rental property but they are not policed and they must be policed. I have seen the quick flick merchants who have got away with never being accountable for what I consider taxable activity. The implied ten year ownership criteria rule should be enforced and a tax payer who sells a rental property inside that period should have to state the capital gain, for some form of assessment. Individual circumstances are always variable but some form of assessment should be undertaken.

I have been keenly interested and working in property since 1979. It was natural for me to become a long term property investor; I first built two purpose rental units in 1984. For those that have forgotten, at that period the upper tax was 66c in the dollar so you can imagine the taxation benefits to negative gearing plus a high inflation rate (15%) and high mortgage rates (22%) for that period. I went into the market with clear objectives, tax deductibility while on a high tax rate as a long term property holder to get tax free property growth. All the tax advantages and inflation worked completely in our favour to produce tax free capital growth. I subsequently repeated a similar project in 1992 but some of these properties have been sold, I still have 60%. I have no concerns in repaying the claimed depreciation from the proceeds when any assets are sold; it is quite clear in the tax rules. You are claiming it when you need it and repaying it when you have it, all parties win.

We own all properties in our joints names and during the entire period my wife’s other income was nil. The effect was that while I was claiming ½ against my income, my wife was building up a tax loss amount. It was not until 2001 when the properties became cash flow positive when her losses were offset against her share of the rental income and she now pays tax on the income. The resulting tax implications are interesting because while I had high deductibility before, I now pay top tax rate on this rental income. On the other hand the tax loss that my wife accumulated has been offset and now her income is taxed at her lower tax rate. Ultimately it will be our major source of income.

Sound property investment is beneficial to everyone and the “ring fencing” of losses against the property’s income will be better for a level playing field.

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