平成31年10月から消費税10%に マイホームはいつ買う?

8%から10%へ

 

いよいよ来年平成31年10月より消費税が8%から10%に上がります。

 

消費税は平成26年4月に5%から8%へと引き上げられました。平成29年4月には10%に増税される予定でしたが、平成31年10月まで先送りになりました。「あれ?結局いつからだっけ?」そのように思われている方も多いかと思います。もう来年の途中で10%になります。

 

さて消費税が2%上がると、高額のお買い物の一つ、マイホームを購入する場合に値段が大きく変わりそうです。どんな場合に消費税がかかるのかみていきましょう。まず、土地代は非課税になりますので、2%上がる影響はありません。課税されるのは新築マンションや一戸建ての『建物の価格』です。

 

建物の税抜価格が2,500万円なら、今までの消費税額は「2,500万円×8%=200万円」が上乗せされていましたが、10%になると消費税額は「2,500万円×10%=250万円」となり、50万円負担が増えることになります。

 

いつまでだと、8%で買えるのか?

 

それではその消費税率はマイホーム購入のどの時点の税率が適用されるかご存じでしょうか。それは、工事完了(引渡し)時点の税率となります。ただし、税率が引き上げられる半年前にあたる平成31年3月31日までに契約したものには経過措置が適用され、引渡しが同年10月以降になっても「8%」で課税されます(新築の場合もリフォームの場合も同じ)。

 

それでは消費税が上がったら、増税分の負担がそのまま増えるのみなのでしょうか。平成26年4月に消費税が8%へと引き上げられた際、その負担増を軽減するために「すまい給付金」制度が新設されました。これは、一定の収入以下の人が住宅ローンを借りて家を買う場合、収入に応じて最高30万円の給付が受けられる制度です。これが、消費税10%になると、給付額は最大50万円に引き上げられます。

 

また親や祖父母から資金贈与を受ける場合の「贈与税の非課税枠」も変わります。消費税8%の現在は、「最大1,200万円」ですが、消費税10%となると、「最大3,000万円」まで贈与税がゼロになります(適用要件等あり)。

 

結論として

 

結局のところ増税負担分と負担を緩和する制度等よく調べてから、個々にシミュレーションしてみることをお勧めします。必要があれば専門家へ相談してもいいでしょう。

 

人生で最大のお買い物の一つマイホーム購入。いいお買い物ができるよう、自分はいつ買うべきか、よくお考えください。

 

 

 

 

平成31年10月から消費税10%に マイホームはいつ買う?」への100件のフィードバック

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