Capital Gains Tax & Your Primary Residence

Capital gains tax is a tax levied on the profitRevenue Service. Your capital gain less the capital
made on the sales of any property sold. The taxloss gives you your total gain. So, any gain made
is levied on the difference between the amountafter the first 10,000 is then taxed at 25% for a
the asset was sold minus the original cost of theprimary residence only. On the other hand, a tax
property and the cost of any improvement madeof 50% of the total gain will be exerted on a
on it. It was introduced to South Africa in Octoberproperty that is not a primary residence These
2001.regulations are applied yearly to the income tax
Who Pays it?return.
Everybody resident of the country must pay theProperties Exempted from the Capital Gains Tax
tax on all property sold irrespective of theUnder the administration of the tax in South
property's location i.e. both properties inside andAfrica, almost all assets are considered taxable.
outside South Africa are taxable. Furthermore,However, a few of them are exempted. An
non South African residents that have privateexample is a property that is being occupied by
assets or businesses in the country are liable tothe owner. Other conditions need to be met
be taxed.though. For example, the property's worth should
The Detailsnot be more than R1, 000,000 and it should not
Each year while you are filing the year's incomehave more than 2 hectares of adjacent land to
tax return, the capital gains on all the propertiesthe residence. Other assets exempted are
sold including your primary residence will be filedpersonal belongings, earnings from gambling,
as part of the taxable income. The capital gain isprivate automobiles, retirement benefits and
calculated by subtracting the base cost of theannuities etc.
property in question from the property's saleHow to Calculate Your Assets
price. It should be noted that the property's baseThe base cost of your property can be
cost is not just the original price that you paid tocomputed using two methods. These are the
get it. It also includes all other costs that you mayvaluation and time apportionment methods. For
have incurred on it such as improvement costs,the valuation method, the property's value as at
stamp duty, charges paid to your attorney orOctober 2001 must be known. For the second
estate agent etc.method, the capital gain on the property is
The South African Capital Gains Tax, CGT, has acalculated back in time from the time it was
few additional rules that apply to theinitially purchased to the time it was sold. After
administration of the tax. For example, the firstthis, the gain that occurs after October 2001 is
10,000 rand of your capital gain is excluded fromthen factored out. This second method is a little
your taxable amount if you are considered as anbit more complicated to understand and compute.
individual for tax purposes by the South African