自住房转投资 redraw和offset有区别吗

jlovesd18

请问，现在的自住房以后打算转投资房，只有redraw功能是不是不利于以后的税务问题，offset才能实现NG最大化？

节操

Yes, you got it.

BillyBlue

完全正确！

lostbf

那是不是在转投资房之前就要把redraw转成offset？

lucyliu8472

lostbf 发表于 2014-1-15 11:32

那是不是在转投资房之前就要把redraw转成offset？
慢慢redraw出来，比如一个月几千不等，转到offset

hjmhyl

lucyliu8472 发表于 2014-1-15 12:44

慢慢redraw出来，比如一个月几千不等，转到offset
为什么要慢慢呢，如果一次能多转的话2到3次redraw完不行吗？

shine_on

lostbf 发表于 2014-1-15 12:32

那是不是在转投资房之前就要把redraw转成offset？
那就太晚了
set up account的时候就要设成offset，不然一旦还了的钱再redraw出来，那部分钱产生的interest也不能做deduction

4554

lucyliu8472 发表于 2014-1-15 12:44

慢慢redraw出来，比如一个月几千不等，转到offset
如果说慢慢的话， 那应该有多慢才是慢阿
我就是 在2个月里面分很多批转出来的， 这样可以么

lucyliu8472

shine_on 发表于 2014-1-15 12:32

那就太晚了
set up account的时候就要设成offset，不然一旦还了的钱再redraw出来，那部分钱产生的interes ...
假设不refinance，A银行账户是自住房，有redraw，redraw出来的钱去买了B房（投资房), 有转账记录，这部分钱能算作买投资房开销吗？这样操作有什么税务方面的讲究？

shine_on

本帖最后由 shine_on 于 2014-1-15 14:48 编辑

lucyliu8472 发表于 2014-1-15 13:48

假设不refinance，A银行账户是自住房，有redraw，redraw出来的钱去买了B房（投资房), 有转账记录，这部分 ...
Not quite a professional but I believe what the ATO is looking at is 'purpose of your loan' (each redraw is treated as a loan).
Your case is not 自住房转投资, we're looking at a new investment loan for B房, surely interest on that loan is tax deductible.
Even for your old loan, since the purpose of this redraw is to purchase an investment property, even one day you decide to make A房 an investment property, interest incurred on this particular redraw is tax deductible .
But in lz's case, the fund withdrawn is for the purchase of a new 自住房 / covering living expense / any other non income producing activity, interest incurred on that amount is not tax deductible.
Tax accountants please correct me if I was wrong.