Should the landlord buy third-party insurance when renting a house?

As an owner, if you rent a house, there are the following points to be dealt with: one is to protect yourself, and the other is to avoid breaking the law.

1) Let's talk about buying insurance first. You didn't buy third-party insurance. The so-called third-party insurance means that in public places, for example, in case someone claims, it is usually purchased by the owners' corporation or management company of the building, and the insured amount is said to be at least10 million yuan.

Need to buy insurance in every unit.

So what you need to buy is home insurance, which is generally available in banks. It costs only a few hundred yuan a year. The scope of protection means that whether you put the household appliances to the tenants or not, this can be guaranteed. Secondly, in case the water pipe breaks, water seeps into the room and then flows into the elevator to be damaged, and when the owners' corporation or the property management company claims compensation from you, you can rest assured to use the home insurance.

And no matter whether the unit is rented or lived, as the owner, you need to buy your own home insurance. The main reason is the serious and unfortunate problem of water infiltration into the elevator mentioned above, because the maintenance of the elevator is expensive.

2) If you rent a property, you need to print the lease. The purpose is to protect you. In case the tenant fails to pay the rent, you have evidence to pursue it. Even if the tenant pays you the full amount, you can prove that you can sue him in case the tenant intentionally damages the indoor facilities.

The expenses are shared by the landlord and the tenant. According to your rent and lease period, the expenses are very reasonable.

3) CR 109 must be reported to rating Property Appraisal after being stamped to show that the property has been rented. Similarly, in case the tenant doesn't pay the rent, you need to produce the above two strong evidences to show your recovery. This statement is free. However, if the property is delayed 1 month or more, and the Rating and Valuation Department finds that you have not filled in the form, you will be fined $3 10.

The following is the table of CR 109:

RVD . h k/TC/doc/forms/Cr 109 c.pdf

4) Remember to file tax returns. Many owners don't submit tax returns in order to save thousands of dollars in taxes, which is simply stupid. You can enjoy 20% tax exemption when you declare property tax, which is used to deduct the maintenance cost of the property. This can be enjoyed with or without property maintenance. Because the tax bureau assumes that every property rented by the owner needs a certain degree of maintenance.

Your property rent can be understood as a part of your income, which means that you can calculate personal income tax together with your salary.

And if you buy another property in the future, you can show the tax bill and lease to the bank, indicating that this is part of your income, then the bank will calculate your salary plus 80% of the rent collected to calculate the mortgage or other loans. It's good for you, but many people don't want to. Because life is not smooth sailing, if you need to turn around, you will have an extra voucher to borrow from the bank, which will make it easier to borrow.

In fact, I will see that the advantages of truthfully filing taxes outweigh the disadvantages. If you only have one property for rent, the tax will not be too much. If so, you can rest assured that the Inland Revenue Department can trace the tax returns missed in the past seven years.

2008-01-2016: 04:18 supplement:

Ah! You misunderstood. I mean, it is illegal not to print enough flowers, not to fill in cr 109 and not to file tax returns.

Supplementary explanation:

When buying home insurance, even tenants should buy it themselves to protect themselves, and the responsibility should not be placed only on the owners.

Supplementary explanation:

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