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新加坡税收优化

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新加坡税收环境与理财规划重要性

新加坡作为低税收低福利国家，政府推行的是将资金留给个人，让每个人自行规划财务，包括保障规划和养老储蓄规划。通过专业理财顾问的帮助，可以提前做好个人资产规划和税务优化，实现财务增值与节税的目标。

个人所得税减免政策及其必要性

虽然新加坡税率较低，但政府设有多种优惠和减税措施，专门帮助居民减轻个人所得税负担。很多人误以为公司的HR已完全帮他们报税，无需自己处理，但实际上存在两个主要问题：
1. 出租房租金收入需自行申报，HR不会代报，不申报会被税务局追责。
2. 多项个人可享受的减税项目需要由纳税人主动申请更新，如同住老人减税等。
这些都需要个人积极参与，以确保合理合法地最大化节税效果。

个人所得税节税原理

节税的核心是减少应纳税收入（chargeable income），通过各种扣减项目和政策将实际应税收入降至最低。省税主要分为三大类：
1. 个税优惠项目（Tax Relief）— 包括已婚已育家庭减税及其他专项减税。
2. 应税收入扣减项目（Expenses Deduction）— 包括业务费用、出租房开销、慈善捐赠等。
3. SRS与CPF省税功能 — 通过补充退休储蓄及强制公积金等方式减税。

已婚已育家庭省税项目详解

• 子女减税（Child Relief）：16岁以下或在学且年收入低于4000新币的子女可享受减税。
• 工作妈妈减税：持公民身份子女的工作妈妈可享有15%-25%减税额度。
• 女佣减税：有在学子女的妈妈聘请女佣，可申请相当于所缴女佣税双倍额度的减税。
• 祖父母减税：协助照顾子女的女性长辈可申请减税。
• 父母减税（Parenthood Tax Rebate, PTR）：子女出生时为公民或12个月内成为公民可申请。
• 配偶减税（Spouse Relief）：配偶年收入低于4000新币时可申请，残疾配偶享有更高减税额度。

其他减税项目

• 赡养老人减税：包括同住及非同住父母或祖父母不同额度的减税，残疾老人减税额度更高。
• 残疾兄弟姐妹减税：照顾居住本地的残疾兄弟姐妹可申请。
• 培训课程费减税：与职业相关的培训课程费用最高可抵扣5500新币。
• 国民服役减税（NSman Relief）：包括本人、配偶及父母皆可享受。
• 保险减税：符合条件的人寿保险费用可抵扣，具体计算需专业指导。

应税收入扣减项目（Expenses）

工作收入相关开销

• 未被公司报销的工作开销，如客户招待、办公用品、差旅费等。
• 在家办公产生的额外开销（电费、WIFI等）。
• 自雇人士的业务开销也可扣减。

出租房收入开销

• 房租收入需报税，允许扣减固定15%开销或实际支出，包括贷款利息、房产税、维修费等，需保留凭证。
补充退休储蓄与公积金（SRS与CPF）
• Supplementary Retirement Scheme (SRS): 允许每年向SRS账户存入金额（公民及永久居民最高15300新币，外国人35700新币）以享受税务递延，补充CPF退休储蓄。
• CPF减税：强制性的员工CPF缴纳部分可抵税；自愿缴纳Medisave及自雇人士缴纳CPF也有相关减税额度。
• CPF现金充值减税：允许给自己及符合条件家人充值CPF账户享受减税，有额度和条件限制。

服务亮点

• 全面梳理个人及家庭税务状况，发现未申报的收入风险与补救方案。
• 精准匹配适合的减税项目与扣除事项，确保合规同时最大化节税。
• 专业指导SRS与CPF相关政策，优化退休储蓄与税负。
• 提供个性化理财规划建议，帮助成员早规划，稳健资产增值。

欢迎咨询专业理财顾问，获得量身定制的新加坡个人所得税优化方案。微信: Will_Liu

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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/.

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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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  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
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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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  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
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  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

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