自住房转投资 redraw和offset有区别吗

lydiaqq1985 · 发表于 2014-5-31 16:56:53

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 ...
真的假的，只要是投资方的贷款利息都是可以退税的啊，不管是redraw ac还是offset acc

shine_on · 发表于 2014-5-31 18:30:54

lydiaqq1985 发表于 2014-1-15 14:26

真的假的，只要是投资方的贷款利息都是可以退税的啊，不管是redraw ac还是offset acc ...
I only spoke of the case when the property started as a 自住房, loan has been partially paid off, you want to redraw from equity before making the property 投资房 to maximise future interest deduction. It won't work.

lucyliu8472 · 发表于 2014-5-31 19:05:27

shine_on 发表于 2014-1-15 13:24

Not quite a professional but I believe what the ATO is looking at is 'purpose of your loan' (each ...
就是说，如果从自住房贷款的redraw里面拿出的钱转账到了另外个银行去买投资房，那么取出来这部分钱（在自主房贷款上这拿走这部分钱产生的利息，可作为投资开支，报税时候算一起计算NG）我理解对吗？

shine_on · 发表于 2014-5-31 19:36:43

lucyliu8472 发表于 2014-1-15 14:46

就是说，如果从自住房贷款的redraw里面拿出的钱转账到了另外个银行去买投资房，那么取出来这部分钱（在自 ...
Sorry I didn't make myself clear. Edited my original reply to make it logical.
Your old loan on A is still a 自住房贷款 isn't it? I don't think any interest on that loan would be tax deductible.

lucyliu8472 · 发表于 2014-5-31 20:17:54

shine_on 发表于 2014-1-15 13:55

Sorry I didn't make myself clear. Edited my original reply to make it logical.
Your old loan on A ...
okay understood. it is only the interest generated in an investment property homeloan can be used for NG purpose. if taking $ out of loan for PPR and transfer $ from PPR loan account to IP account, that amount of $ will not be considere for any tax benefit.. thanks for your reply .

瑞米 · 发表于 2014-5-31 20:27:02

瑞米发表于 2014-1-15 15:06

各位，上面有些人的理解有些错误，我这里澄清一下
你们不要一笔一笔REDRAW出来到OFFSET的账户上，用OFFSET ...
你的意思就是在保留现有自住房的前提下，再买投资房，redraw比offset要有利于NG，对吗？
不过楼主问的是现有的自住房转成投资房的情况

lostbf · 发表于 2014-5-31 21:52:21

lucyliu8472 发表于 2014-1-15 15:00

okay understood. it is only the interest generated in an investment property homeloan can be used ...
Just did a little bit googling and found out I was wrong. I am so sorry.
Seemingly according to google, the loan on A after withdrawal can be proportioned into deductible and non-deductible parts, only certain documentation is needed (so you might well be right in the very beginning).
I am so sorry I didn't help a bit.

瑞米 · 发表于 2014-5-31 23:06:45

shine_on 发表于 2014-1-15 14:58

Just did a little bit googling and found out I was wrong. I am so sorry.
Seemingly according ...
that's okay , bit confused now but thank you for your insight... :)

shine_on · 发表于 2014-6-1 00:30:42

看了半天还是不太明白

chinahr · 发表于 2015-9-10 02:01:22

楼主留个联系方式~

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