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外国人必看！了解新加坡个人所得税（揭晓节税窍门）

在新加坡，其纳税居民（Singapore Tax Resident）需在每年的3月至4月期间申报上一年度1月到12月的个人所得税。

任何在新加坡取得的收入或来自新加坡的收入（无论是个人还是公司）都被视为应税收入，因此需要在新加坡缴税。换句话说，如果新加坡人是在国外工作，他们不需要为此在新加坡纳税。

对于外国人而言，如果在上一年度的纳税期内，在新加坡居住（短期离境除外）或工作（不包括担任公司董事）超过183天，则被视为新加坡纳税居民，需缴交个人所得税。

所谓的减税、节税或避税，并不是直接在年收入上扣除税款，而是通过降低年收入的总额来计算应缴的所得税。

 

持有 Employment Pass 的外国人如何降低个人所得税？

以下是一些节税方法供您参考：

 

1. 配偶减税

如果您的配偶年收入低于S$4,000，您就有机会享受S$2,000的配偶抵税额。这意味着你可以减少应税收入，从而减少税负。这个减税额适用于夫妻共同承担家庭支出的情况，是一种非常简单的节税方式。

 

2. 赡养父母减税

若您的父母在新加坡与您同住，其中一位年满55岁，且去年年收入不超过S$4,000，并且在新加坡居住超过八个月，你就能获取S$9,000的赡养父母抵税额。

 

3. 人寿保险减税

在新加坡，持有 Employment Pass 的外国人没有公积金账户(CPF Account)，但您可以为自己和配偶购买符合条件的人寿保险来节税。您将享有高达S$5,000 的保险减税额度（不包括为孩子购买的保险）。这项措施对于没有CPF账户的外国人来说是一个非常实用的节税工具。

 

4. SRS账户减税

外国人每年可向补充退休储蓄账户（SRS,Supplementary Retirement Scheme)存入最高S$35，700，这个上限比新加坡公民和永久居民还要高。倘若您将这笔资金存入SRS账户，它会减少您的应税收入。例如，若你的年收入为S$20万，将S$35,700存入SRS账户后，你的应税收入将从S$21，500降至S$14,724。SRS账户不仅帮助减税，还为未来的退休储蓄累积资金，甚至可能在申请永久居民PR身份时增加机会。

通过充分利用上述四种节税策略，可使个人所得税减少40%-50%。这些方法帮助外国人有效减轻税负，同时也符合新加坡政府鼓励储蓄和家庭照护的政策。

 

结论 

最后必须让您知道的，新加坡政府设下了规定，每年减税金额的上限为S$80万。虽然有很多种减税方式，但减税总额不能超过这个上限。

 如果您想了解适合自己的节税方案或配置一份个人化节税计划，欢迎随时联系我。

微信号：a19842182457 或 WA：+65 9465 3813

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Martin Hsia 乙未

歡迎來到我的個人網站，我是Martin乙未，土生土長的台灣人。曾經在澳大利亞和上海求學，目前定居於新加坡。

從小便對財務與投資充滿興趣，尤其是在家庭的熏陶下，這股熱情愈加濃烈。13歲時，便在金融海嘯中擁有了人生的第一張股票，也由此踏上了投資之路。在30歲之前，我成功累積了自己的第一桶金。

目前，我在新加坡最大的獨立理財顧問公司工作，專注於為客戶提供資產增值和風險管理的專業服務，協助他們在多變的市場環境中穩健成長。

希望未來可以成為您在新加坡，投資理財的資源人士。

持續不斷為您輸出有價值的訊息，成為您在新加坡值得信賴的理財顧問。

 

 

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策