國際留學生可以在美國投資嗎?怎麼報稅呢?

Categories: 理財投資, 美國教育, 美國生活Published On: January 5th, 202111.9 min readViews: 17700
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留學生的稅務申報記錄與學生將來在美的發展息息相關。根據美國國稅局規定,凡是持有F(學生)、J(公費)、M(觀光)簽證的外籍學生,或是持J(訪問)、Q(交換)的外籍學者,不論是否有工作或收入,只要是暫時居留在美國,都必須向國稅局遞交一份個人數據說明書(Form8843),併申報聯邦稅表1040 NR (US Nonresident Alien Income Tax Return)。想要申請綠卡的小伙伴們也一定不希望自己的報稅歷史成為未來的絆腳石。所以說,即使對於沒有收入的同學,只要你在當年12月1日以前以F-1身份入境美國,都是需要報稅的。

首先要確定我們是以什麼身份報稅?
居民外國人(Resident Alien):擁有綠卡,或者通過實際居留天數測試(Substantial Presence Test)。
非居民外國人(Non-resident Alien):無綠卡且未通過31天測試/183天測試的。
由於持F學生簽證的前五年在美國居留時間不計入183天測試。所以一般來說,持學生簽證來美國唸書的學生在前五年都是非居民外國人身份。

 但作為非居民外國人還是有一些好處的:

  • 來自美國以外的獎學金和收入不必申報;
  • 銀行存款利息可免稅,但開戶時應填寫W-8表,說明自己的非居住外國人身份;
  • 不須繳納社會安全稅。

**** 對於大部分留學生來說,最常用的表格通常是Form 8843和1040NR。****

1. Form 8843

個人信息表,即留學生通過表明自己的F-1身份來證明未通過實際居留天數測試,最終達到稅款豁免的目的。

F8843在IRS官網即可下載打印,表格最後一頁有官方填寫指南。

F8843中的數據包括:

  1. 姓名、地址、社會安全號碼(或個人報稅識別號碼)。
  2. 護照號碼與國籍、簽證種類、號碼。
  3. 來美時間及預定居留時間。
  4. 學校、系別及指導教授姓名、地址、電話。

2. 1040NR

NR即Non-Resident, EZ即easy,帶有EZ的稅表都是相應稅表的簡易版。一般無任何薪資收入的F-1/CPT/OPT都滿足填寫簡易版稅表(1040EZ/1040NR-EZ)的要求。而有薪資的同學,滿足以下條件也可選擇填寫簡易版稅表:

  • 無需要撫養的dependent
  • 在美收入只有薪資、獎學金
  • 須納稅的收入低於$100,000

由於新冠疫情的影響,現在房子貸款利率很低,有些留學生有買房投資的打算。那麼投資房子會不會有一些稅上的問題呢?

其實留學生有很多投資可以做,要買房子投資對於留學生來說不一定是個很好的選擇。首先,留學生不一定能拿到較低的利息,因為貸款的要求比較嚴格,收入要夠還需要資產證明這些。

其次,買了房子之後,大多數都是用來出租,會得到一定的租金,那麼這些租金就必須報稅的,雖然有一些費用是可以扣掉的,比如折舊、水電費、地稅。但是有沒有想過,過幾年咱們回國了,萬一別人不交租?你會不會很煩惱呢?

那麼不投資房子,有什麼更好的選擇呢?

我們可以投資美國的人壽保險,因為美國的人壽保險是根據指數拿利息的,而且外國人、留學生可以買,最關鍵的一點就是沒有稅的問題。雖然有一些審批的要求,但相對買一個房子來說要省事的多。

如果留學生們對美國稅法想要有更多的了解,可以打電話到888-831-8868,泛宇集團的專業人員,會給你更加專業和全面的介紹。

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