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¿Cuánto debes pagar por Impuesto Sobre la Renta, qué opciones tienes y cuál te podría convenir más?…

Vivir de las rentas es el sueño de muchos, pero hay que estar al tanto de todo cuanto sea posible en torno a los compromisos y responsabilidades de tener un inquilino y obtener ingresos derivados del alquiler de una casa o departamento.

La deducción ciega es un beneficio fiscal que permite al casero deducir el 35% de sus ingresos obtenidos por alquilar un inmueble y, a menudo, es la opción que toman los dueños de propiedades en renta. Sin embargo, el nuevo régimen simplificado de confianza vigente a partir de este año podría resultar más conveniente. Veamos porqué…

El nuevo régimen es muy interesante porque pagas solo sobre los ingresos. Desde luego nos referimos únicamente a la renta de una casa-habitación. Si una persona tiene ingresos por arrendamiento y entra al nuevo régimen, va pagar sobre los ingresos –no sobre la utilidad– entre el 1 y el 2.5%, sin ninguna deducción.

¿Esas son buenas noticias?

Sí pues por un lado nos permite saber que pagar impuestos por arrendamiento no es oneroso y, por ende, esa certeza te permitiría ponerte al día con tus obligaciones fiscales este año. Además, el alquiler de una casa-habitación no amueblada no genera IVA, otro punto a favor. ¡Ojo! Cuando rentas una vivienda amueblada, la renta sí genera IVA.

En México no todos los arrendadores pagan impuestos y eso ha sido detectado por las autoridades. ¿Esa es la mala noticia? No tanto, aunque desde la perspectiva del Colegio de Contadores Públicos de México lo aconsejable es que, si tienes ingresos por arrendamiento, los declares.

Las autoridades tienen detectados a quienes no pagan y en 2022 están implementando un beneficio a través del régimen simplificado de confianza que consiste en una tasa reducida sobre los ingresos.

Para regularizar tu situación lo primero será darte de alta en el SAT y posteriormente emitir tu Comprobante Fiscal Digital por Internet, por el ingreso que recibas de arrendamiento, ya sea a través del capítulo de arrendamiento, con la posibilidad de la deducción ciega (deducir el 35% más el predial) o el nuevo régimen vigente a partir de este 2022.

Después habría que resolver la siguiente pregunta: ¿me conviene la deducción del 35% ciego más el predial o el régimen simplificado de confianza?

La deducción ciega conviene cuando el propietario tiene gastos, pero no todos son deducibles. A parte del predial es posible deducir gastos como el mantenimiento (si tú lo estás pagando); el consumo de agua (igualmente si tú lo estás pagando); primas de seguros; salario, comisiones, honorarios (en caso de que los estés pagando), pero estos tienen un tope del 10% de tus ingresos.

Toda persona física que tiene un inmueble en renta puede guiarse de una lista de conceptos que puede deducir, no cualquier gasto como el combustible, papelería o gastos de viajes son deducibles.

Comparando deducción ciega vs nuevo régimen simplificado de confianza.

Imagina que cobras a tu inquilino 10 mil pesos al mes de renta, por lo tanto, obtienes ganancias de 120 mil pesos al año.

En la deducción ciega tienes derecho a deducir el 35%, entonces vas a pagar impuesto sobre 78 mil pesos (35% de 120,000= 42,000; 120,000 – 42,000 de deducción ciega = 78,000 para hacer el cálculo del ISR). Lo que significa que pagarías de ISR alrededor de 5 mil 199 pesos (pago según la tabla de impuestos y si ese fuera tu único ingreso en el año).

Con el nuevo régimen tendrías que pagar de ISR cerca del 2% de tus ingresos, es decir, 2 mil 400 pesos.

IMPORTANTE

Este ejemplo hipotético es ilustrativo, hay personas físicas que quedan excluidas del beneficio del nuevo régimen (por ejemplo, socios de empresas); de igual forma, hay que considerar que en la declaración anual se juntan todos los ingresos de una persona física, no solo estos que corresponderían solo a los de renta; los ingresos por sueldos y salarios serían un asunto adicional.

Ahora bien, la diferencia de pagar entre 5,199 o 2,400 por ISR es obvia y considerable ¿verdad?

Como verás hay diversos elementos que considerar en lo que se refiere a impuestos por arrendamiento inmobiliario y es importante contar con información rigurosa para terminar con los mitos que existen en torno a este tema.

La costumbre ha hecho que mucha gente no declare una renta, pero eso no quiere decir que esté bien y que sea muy caro. Es una obligación para los arrendadores y, lo más importante, este capítulo a diferencia de otros es mucho más barato, más allá de lo que a veces se piensa.

Recuerda que en IDEX contamos con una gran variedad de desarrollos verticales en Zapopan y Guadalajara.

¡NO PIERDAS LA OPORTUNIDAD DE INVERTIR!

En IDEX Inmobiliaria ayudamos a las personas que quieren tener patrimonio inmobiliario, con departamentos en las mejores ubicaciones, para que logren la calidad de vida que anhelan.

CONOCE NUESTROS DIFERENTES DESARROLLOS

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