把房产转入信托，会不会影响地税？Will Transferring Property into a Trust Affect My Property Taxes?

很多人在把房产放入信托时，都会担心一个问题：“这样会不会影响我的地税呢？”这是一个非常实际又常见的疑问，特别是在考虑长期规划、遗产安排或者资产保护的时候。今天，我们就来详细解析这个问题。

A common question we often hear is: “If I transfer my property into a trust, will it affect my property taxes?” This is a very practical concern, especially when planning for the future, estate arrangements, or asset protection. Let’s break it down clearly.

---

问题解析 Issue Analysis

常见的担忧有：

• 有人以为只要房产进入信托，就会失去地税减免。

• 也有人认为，任何类型的信托都会触发新的税务计算。

其实，不同类型的信托，对地税的影响是不一样的。

The common concerns are:

• Some believe that once a property is placed into a trust, property tax exemptions will be lost.

• Others think that any trust transfer automatically triggers a reassessment of property taxes.

In reality, the impact on property taxes depends on the type of trust and the specific terms of the trust.

---

解决方案 Solutions

1. 可撤销信托（Revocable Trust）

   • 大多数情况下，将房产转入可撤销信托，并不会影响地税。

   • 从税务角度，可撤销信托通常被视为 tax neutral（税务中性）。

   In most cases, transferring property into a revocable trust will not affect your property taxes. From a tax perspective, revocable trusts are generally considered tax neutral.

   
   

2. 不可撤销信托（Irrevocable Trust）

   • 情况会更复杂，需要律师审阅具体的信托类型和条款。

   • 如果是自住房，各地通常有一些减免政策（例如纽约的 STAR Credit）。

   • 这些优惠能否继续享有，要看信托文件如何设定。

   With an irrevocable trust, things are more complex. An attorney must review the specific trust structure and terms.For primary residences, many states provide property tax exemptions (such as New York’s STAR Credit).Whether these benefits continue depends on how the trust is drafted.

---

风险提醒 Risk Reminder

如果在不了解条款的情况下盲目操作：

可能会失去本来可以享受的地税减免。

在未来出售或转让房产时，可能带来额外麻烦。

If property transfers are made without understanding the trust terms:

You may unintentionally lose valuable property tax exemptions.

It could create complications when selling or transferring the property in the future.

---

律所小贴士 The Shi Law Group’s Tip

在考虑将房产放入信托之前，请务必：

• 找专业律师审阅信托文件。

• 询问清楚是否会影响地税或其他优惠政策。

• 根据家庭和资产情况，选择合适的信托类型。

Before transferring your property into a trust, always:

• Have a qualified attorney review the trust documents.

• Ask specifically about potential effects on property taxes and exemptions.

• Choose the right type of trust based on your family and financial situation.

📌 熙承律师事务所专注于遗产规划与信托事务，我们很乐意为您解答相关问题，帮助您制定最合适的方案。

📌 At The Shi Law Group, PLLC, we focus on estate planning and trusts. We’re here to answer your questions and help you find the best solution.