BUDGET SUMMARY 2006

 

 

 

INCOME TAX

 

In his Budget Statement on 7 December 2005 , the Minister for Finance announced a number of changes to the personal tax system.

 

Tax Credits

 

The table below outlines increases for 2006.

 

 

Tax Credit

2005 €

2006 €

Single Person

1,580

1,630

Married person

3,160

3,260

Widowed person (without dependant children)

 

1,980

 

2,130

One Parent Family Credit

1,580

1,630

PAYE Credit

1,270

1,490

Incapacitated Child Credit Max

1,000

1,500

Blind Tax Credit

Single person

One Spouse Blind

Both Spouses Blind

 

1,000

1,000

2,000

 

1,500

1,500

3,000

Widowed Parent

Bereaved in 2005

2004

2003

2002

2001

2000/2001

 

-

2,800

2,300

1,800

1,300

800

 

3,100

2,600

2,100

1,600

1,100

-

Age Tax Credit

Single/Widowed

Married

 

205

410

 

250

500

Dependent Relative

60

80

 

 

Changes to other Reliefs are as follows:

 

                 Relief

 

2005

€ Max

2006

€ Max

Employing a Carer

30,000

50,000

 

 

Changes to Standard Rated Reliefs are as follows:

 

Relief

2005

€ Max

2006

€ Max

Rent Tax Relief

 

Single - under 55

Married/Widowed - under 55

Single -  55 & over

Married/Widowed - 55 & over

 

 

1,500

3,000

3,000

6,000

 

 

1,650

3,300

3,300

6,600

Trade Union Subscriptions

200

300

 

 

 

 

 

 

 

 

 

 

 

 

Tax Rates and Tax Bands

There are no changes to the tax rates of 20% and 42%.

The standard rate tax band has been widened. The table below sets out the tax rates and bands.

 

Personal Circumstances

2005

2006

Single/Widowed without dependant children

 

29,400 @ 20%

Balance @ 42%

 

32,000 @ 20%

Balance @ 42%

Single/Widowed qualifying for One Parent Family Tax Credit

 

33,400 @ 20%

Balance @ 42%

 

36,000 @ 20%

Balance @ 42%

Married Couple one spouse with Income

38,400 @ 20%

Balance @ 42%

41,000 @ 20%

Balance @ 42%

Married Couple both spouses with Income

38,400 @ 20% with increase of 20,400 max. Balance @ 42%

41,000 @ 20% with increase of 23,000 max. Balance @ 42%

 

Exemption Limits

The exemption limits for persons aged 65 years and over have been increased as indicated in the table below:

 

Personal Circumstances

2005

2006

Single/Widowed 65 years of age & over

 

16,500

 

17,000

Married Couple 65 years of age & over

 

33,000

 

34,000

 

The limits for Single/Widowed persons aged under 65 and Married couples aged under 65 remain unchanged at €5,210 and €10,420 respectively.

 

Marginal Relief will continue to apply where income does not greatly exceed the relevant exemption limit.

 

The above exemption limits are increased by €575 for each of the first two dependent children and by €830 for the third and subsequent children.

 

Childminding Relief

A new childminding relief is being introduced. Where an individual minds up to three children in the minder’s own home, no tax will be payable on the childminding earnings received provided the amount is less than €10,000 per annum. If the childminding income exceeds this amount, the total amount will be taxable, as normal, under self-assessment. An individual will be obliged to return their childminding income in their annual tax return. Full details of the scheme will be set out in the Finance Bill.

 

Remittance Basis of Taxation

With effect from 1 January 2006 , the remittance basis of taxation will be discontinued in respect of income attributable to the performance of the duties of a foreign employment exercised in this State.

 

 

 

PENSIONS

The annual earnings limit of €254,000 will be adjusted annually in line with an earnings index from the tax year 2007. A number of changes have also been announced to the amount of a pension lump sum that may be taken tax-free.

 

FARMING TAXATION

 

Farm Pollution Control

The entitlement to claim relief on capital expenditure at the rate of 33% per annum over 3 years continues. Alternatively a person may claim the lesser of €50,000 (increased from €31,750) or 50% of qualifying expenditure with effect from 1 January 2006 .

 

Leased Land Exemption

The exemption for income derived from certain leases of farmland is being increased from 1 January 2006 from €7,500 to €12,000 per annum for leases of 5-7 years and from €10,000 to €15,000 per annum for leases of 7 or more years.

 

VAT

The VAT registration thresholds for small businesses are being increased from €25,500 to €27,500 in the case of services and from €51,000 to €55,000 in the case of goods – effective from 1 May 2006 .

 

STAMP DUTY

 

Companies Capital Duty

The Finance Bill 2006 will provide for the abolition of the 0.5% companies capital duty on the issuing of share capital for transactions effected on or after 7 December 2005 .

 

Young Trained Farmer Relief

The Finance Act 2003 provided for full exemption from stamp duty on the transfer of land to young trained farmer for a 3 year period until 31 December 2005 . This exemption will be extended for a further 3 year period to 31 December 2008 .

 

The exemption is also to be expanded to apply to the transfer of the EU Single Farm Payment Entitlement to a young trained farmer where the land associated with that Entitlement is also being transferred to the young trained farmer.

 

CAPITAL GAINS TAX

 

The Minister announced the following changes:

 

Retirement Relief

The EU Single Farm Payment Entitlement will qualify as an asset for the purpose of Retirement Relief provided the farmer in question fulfils the ownership and usage requirements in relation to the land which will be disposed of at the same time as that Entitlement.

 

Anti-Avoidance Measure

The deferral of CGT on the disposal of an asset to a spouse, a separated spouse or a former spouse will not apply to disposals on or after 7 December 2005 where the recipient would not be liable to Irish CGT if he/she were to dispose of that asset in the year in which he/she acquired it.

 

 

 

CAPITAL ACQUISITIONS TAX

Measures in relation to the treatment of the EU Single Farm Payment Entitlement for Agricultural Relief purposes will be outlined in the Finance Bill 2006.

 

PRSI & HEALTH CONTRIBUTIONS

 

From 1 January 2006 the contribution ceiling for employees’ PRSI is increased from €44,180 to €46,600.

 

Class A ( Normal rate at which contributions are made)

 

Income (€)

Employer

Employee

Up to 46,600

10.75%

6% (includes 2% Health Contribution)

Over 46,600

10.75%

2% (Health Contribution)

 

Employees earning  €300 p.w. or less, will be exempt from PRSI and those earning €440 p.w. or less, will be exempt from the Health Contribution of 2%.

 

For employees earning in excess of €300 p.w. the first €127 p.w. will continue to be free of PRSI. The weekly rate of €26 for employees on a modified PRSI rate also remains unchanged.

 

Class S (Self-Employed)

 

Income (€)

Rate

All Income

5% (includes 2% Health Contribution)

 

Self-Employed persons are exempt from the Health Contribution of 2% where the annual income is €22,880 or less. Minimum annual PRSI contribution remains at €253.

 

CORPORATION TAX

 

Restriction of certain interest relief

The Minister announced his intention to introduce measures to restrict the use of the interest relief provisions of Section 247 TCA 1997 in the context of transactions between related companies – the measures will affect transactions effected on or after 7 December 2005 .

 

This section provides for interest relief on monies borrowed by companies who acquire ordinary share capital of trading or rental companies (or holding companies of such companies). The relief is also available where companies on-lend monies in certain circumstances to the types of companies referred to above, or where the monies are used to pay off certain other loans.

 

Leasing – treatment of losses in the leasing of long-life assets

The Finance Bill 2006 will contain measures to alleviate certain restrictions on the offset by companies of losses arising from capital allowances on the leasing of long-life plant or machinery. The measures will include extending the scope of income against which these losses can be offset, allowing losses on the lease of long-life plant and machinery to be offset against income from similar leasing activities and measures relating to the tax treatment of leases that are denominated in a foreign currency.

 

 

 

 

 

CAPITAL ALLOWANCES & TAX INCENTIVE SCHEMES

 

Capital Allowances (and Expenses) for Business Cars

The car value threshold is increased from €22,000 to €23,000.

 

Property-based tax incentive schemes

The following schemes will not be continued:

Urban Renewal, Rural Renewal, Town Renewal and the special reliefs for hotels, holiday cottages, student accommodation, multi-storey car parks, third level educational buildings, sports injury clinics and the general rental refurbishment scheme. The period during which qualifying construction expenditure can be incurred is being extended to end July 2008 subject to conditions. This extension is only available for those projects that have already satisfied the terms of the particular scheme.

 

The tax reliefs for investment in childcare facilities, private nursing homes and private hospitals are to be continued. Private psychiatric hospitals can now qualify for tax relief.

 

The Park-and-Ride (excluding the residential and commercial elements) and Living-Over-The-Shop schemes are being continued but in a more focused way.

 

The detailed provisions will be contained in the 2006 Finance Bill, subject to the appropriate approvals being obtained from the European Commission.

 

RESTRICTION OF RELIEFS

 

Restriction on the use of Tax Reliefs by High Income Taxpayers

A new measure is being introduced with effect from 1 January 2007 and will limit the use of tax breaks by those with high incomes. It is based on restricting the amount of specified reliefs which a person can use to reduce their tax bill in any one year to 50% of the person’s income.

 

Tax relief to Individuals for Interest on Loans taken out to acquire shares in, or to lend to, Property Rental Income Companies is being abolished for all new loans taken out after 7 December 2005 .

 

Exemption of Stallion and Greyhound Stud Fees

The exemption from tax of stallion and greyhound stud fees will end as of 31 July 2008 . In the meantime new taxation arrangements will be introduced for these industries.

 

VEHICLE REGISTRATION TAX

The Minister announced the introduction of a VRT relief of 50% for new flexible fuel vehicles – vehicles capable of operating on high-grade biofuels – introduced for a two year period, with effect from 1 January 2006 .

 

 

 

 

 

 

  EXCISES

 

The Minister announced the following changes:

 

Mineral Oil Tax

A reduction in mineral oil tax for non-auto kerosene and Liquid Petroleum Gas (LPG) – effective from midnight 7 December 2005 .

Reductions as follows (per 1,000 litres):

Kerosene (non-auto) - from €31.74 to €16.00

LPG (non-auto) - from €20.86 to €10.00

 

Betting Duty

A reduction in Betting Duty from 2% to 1% - with effect from 1 July 2006 , with the duty to be borne by the industry.

 

Excise Relief for Biofuels

A 5 year scheme of targeted excise relief will commence in 2006.

 

 

 

 

 

EXPENDITURE MEASURES

 

 

 

 

 

 

Social Welfare Weekly Rates

 

Maximum weekly personal rates for all old age and related pensions will be increased by €14, with proportionate increases for pensioners on reduced rates, from the first week of January 2006.  In addition, there is a further special increase for all non-contributory pensioners aged 66 and over (see item on Retired and Older People below). 

 

Other maximum personal rates will be increased by €17 per week, with proportionate increases for cla