財富傳承不可不知的稅務觀念

原文轉載 – 作者：勤業眾信稅務部 / 王瑞鴻副總經理 (原文連結)

老張辛苦了大半輩子，不僅白手起家創建了自己的公司，也順利將公司推動上市，目前將公司交給專業經理人經營，並計畫在幾年後退休含飴弄孫，但針對於要如何以較節稅的方式把自己辛苦累積的財富移轉給兩個小孩，老張始終找不到方向。陳媽媽在婚後靠著精準的投資眼光，攢下了幾間房子，除了東區有幾間店面出租外，一家三代住在前幾年買下的仁愛路豪宅，陳媽媽有感於自己年事已高，目前也在思考是否要提前把不動產分年贈與給小孩，以因應遺產稅之累進稅率。相信前述案例是很多高資產族群所共同面臨的困擾，然而稅負往往牽一髮而動全身，在面對財富傳承的稅務問題時，一定要把握避免見樹不見林的原則，以免雖然省了贈與稅卻多繳了其他冤枉稅。以下謹臚列在面對財富傳承時不可不知的稅務觀念以供參考。

一、不動產就是不要亂動的財產

1. 由於贈與土地必須要繳土地增值稅，而透過繼承移轉土地免徵土增稅，所以原則上有關不動產最好是透過繼承的方式移轉給下一代，畢竟針對已持有多年之土地來說，土增稅可能比遺產稅來得高。

2. 另外，除了土增稅之外，也必須要考量房地合一稅的影響，若該不動產是民國105年以前取得者，日後若透過繼承的方式移轉，繼承人出售該不動產仍可適用房地合一稅之舊制(即僅課土增稅，土地利得不課所得稅)，惟若透過贈與的方式移轉者，受贈人日後出售該不動產即須適用房地合一稅之新制，也就是土地利得除了要繳土增稅外也要繳所得稅。因此，若生前贈與105年取得之不動產，雖然有可能省了贈與稅或遺產稅，但可能導致受贈人日後處分該不動產時需額外繳納大筆之房地合一稅，反而得不償失。

二、善用景氣循環低點時贈與股權

由於遺產及贈與稅是以上市櫃公司的收盤價或未上市櫃公司的每股淨值來計算遺產或贈與的價值，因此當股市低迷時，獲利穩定的公司其股價也容易因為市場信心因素而落難，此時反而是公司大股東進行贈與的最佳時點，因為此時按市價計算的贈與價值較低，所要繳納的贈與稅也會比較低，相同道理，未上市櫃公司股東也可以在景氣循環低點甚至公司虧損時贈與公司股權。

三、善加利用隔代贈與

另外，由於下一代日後移轉財產給其下一代者，仍須繳納一次遺產及贈與稅，所以若是孫子已出生者，亦可考慮將原計畫贈予給第二代之資產轉贈與給第三代，除了可以節省小孩子那一代的遺產及贈與稅之外，亦可避免日後第二代在未做好財產規劃時即不幸過世，導致原先贈與給第二代之財產反而由其配偶繼承之情況。

正所謂凡事豫則立不豫則廢，財富傳承需要長期規劃與安排，若未能及早做好準備，不僅可能多繳稅，亦可能增加繼承人許多不必要的麻煩。而財富傳承要考慮的面向非常多，最忌諱在未了解基本法令規定及當時租稅環境下就跟著別人依樣畫葫蘆，此時就容易繳到冤枉稅，所以無論資產多寡，都有必要先行檢視目前的財產狀況，並預先做好萬全的準備。更重要的是，在財富傳承過程中，稅負不應該是唯一及主要的考量，家族成員之和諧及如何建立可長可久的家族資產運作模式才是更重要的課題。

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