RT,女友最近找到一份实验室的工作,然后雇主那边邮了一堆材料,其中一项就是关于这个salary packaging的。一开始我们不懂也没理会这个东西,不过今天她同事跟她说如果用salary packaging的卡支付日常开销可以每年剩下一笔钱,然后女友就立刻给我打电话让我了解了解。她的这个salary packaging是由Maxxia公司运作的,刚刚查了一下他们官网,感觉应该是平时刷Maxxia的卡付费,然后这笔钱就相当于从pre-tax的income中划走,最终使得taxable income减少,是这个意思吗?另外还想问问大家,你们平时是怎么用这个salary packaging的啊?
P.S. 小弟是草鞋,没有能力给大家加分让我很惭愧 ,不过我会很感谢大家的回答的,先谢谢大家啦
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不懂,帮顶. 竟然有这种好事.
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salary packaging好像只有学校和政府机关才能用啊
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听上去不可行
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healthcare or not for profit organisation can use.
half salary packaging ~9k, full salary packaging ~16k
can claim
credit card bill
home loan repayment
up to ~9k or ~16k per annum
you can claim meal and entertainment on top of ~9k, no limit (limit to your salary of course), >$15 per invoice, dining out, no take away. you can apply for a debit card from maxxxisss and nominate an amount for meal and entertainment, or you can provide receipts every 2 months.
you can claim holiday accommodation, on top of ~9k, limit to your salary too.
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搜里面以前的帖子,好几个贴子都介绍的很详细的。或者约maxx公司的顾问咨询,如果工作单位提供这样的福利,那么咨询也是免费的一定。
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谢谢啦
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恩恩,这就去搜搜
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哦,她的实验室是在公立的医院里面,那我估计医院应该是属于州政府的
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我用的也是Maxxia,每年16500是不用交税的,所以我全拿来还房贷了。
你也可以申请他们的meal entertainment card就是出去吃饭,用这个cc,也是从你女朋友税前工资里扣除。
他们现在也在搞car loan,我还在研究。
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谢谢帅哥分享
我还想请教一下,在她合同里有这么一句话 " Up to $9095 of your salary can be Salary Packaged tax free. Salary Packaging this amount will be shown on your Payment Summary (Group Certificate) as $17000 grossed up value." 这里的17000是什么意思?
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偶是MM。。。下次改个女性点的头像。。。
这是因为她9000多是不用交税的,但是每年财政年结束的时候,她的group certificate那部分算你9000+9000块的税,我不是很清楚是不是17000 (好像太高了),如果是这个,表示9000部分的税是17000-9000=8000. 如果你女朋友的收入已经很高的话,建议你买私保,不然像我第一年一样还交了Medicare levy surcharge....我现在用NIB最便宜的私保,完全是为了避levy surcharge....
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$17000 will be shown as Reportable Fringe Benefit in the payment summary, $9095*1.8692=17000, which is not shown in Gross Salary, Gross salary will be reduced by $9095 if you have claimed full salary packaging amount.
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is holiday accommodation belong to Meal Allowance? or it is another benefit except salary packaging and meal allowance? we have meal allowance, but not sure how to claim holiday accommodation, this area is confusing.
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抱歉了MM,哈哈,另外谢谢你的回复哈,很有参考价值
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每年16500是不用交税的是对于NON PROFIT机构的,和Maxxia无关, 你干什么都可以, meal entertainment card可用来去餐馆吃饭和旅游住宿.
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让她问问同事,有中国人就更快弄清。
如果你们有小孩拿centrelink的钱,17000在group certificate的显示会算上taxable income。
另外看清楚,尽快保留出外吃饭的invoice,claim meal entertainment 是on top of 那9094元的,而且无限额,同时不会出现在group certificate.
话又说回来,你省下没交的税是和医院的工作部门平分的,例如100元中你拿50,部门的经费多了50,不能做奖金噢,所以都鼓励职工去做。
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貌似她那个实验室除了她之外就没有中国人了。。不过还是感谢你的分享哈,很有帮助
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如果所在医院有childcare,一怀孕就报名,等在waiting list,质量会好些,等生了再排就晚了,不好意思,可能你们都不需要了。
医院其它部门肯定大把中国人,一步步来吧。
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这个信息对我们更有价值啊,哈哈,我和我女友都才毕业不长时间,生孩子的问题等明年结婚之后应该会提上日程了
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holiday accommodation is on top of meal allowance, different package.
there is different rules for what you can claim out of holiday accommodation.
if you have a "packaged" holiday, you can claim
(1) 100% of invoiced amount, 1 total price
if you have a separate holiday package, i.e. accommodation, tour guide, air fare, then you can claim
(1) accommodation
(2) 50% of tour
(3) 0% of airfare
venue hiring and meal are all included as part of accommodation.
put it simply,
if you purchase a "packaged" deal to Bali for 5 days 4 nights including airfare and accommodation for $800, you can claim all $800 pre-tax.
if you purchase a tour holiday to Brazil for 10 days including accommodation and tour guide for $1000, and then buying $2000 air ticket, you can only claim accommodation in Brazil and 50% of tour guide cost. air fare is out of your pocket.
sound ridiculous? it depends how you go about the word "packaged" really. so make sure if you are planning for a holiday, request for a total 1 single price invoice.
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解释的很清楚,这些信息在ATO网上能查到吗?我要给主管看一下,以后就能claim holiday package 了,不过要找到依据。
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差不多每家 salary package 公司都有标明。
https://www.epacsalarysolutions. ... yAccommodation.aspx
http://www.salary.com.au/holiday_accommodation_venue_hire
http://www.cbb.com.au/salary-packaging/holiday-accommodation
http://www.maxxia.com.au/salary- ... tion-and-venue-hire
http://www.southgatesalpack.com. ... venue-hire-faq.aspx
Accommodation & Venue Hire FAQ
Who can package Accommodation & Venue Hire?
Your eligibility to salary package Accommodation & Venue Hire will depend on:
Your employer’s industry sector (only Rebatable, Public Health and Charitable employers are eligible);
Your employer’s salary packaging policy;
Your personal financial circumstances.
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That is great. thanks a lot.
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医院实验室的工作很爽啊,福利一样没少,又不像医生护士那么累。
“吃饭抵税无上限”这一点太强了。你请朋友去金唐吃一顿海鲜假设2000刀,政府就帮你出了600.假设你回国holiday,国内的发票自己翻译一下也能拿回来抵税,国内的大额发票拿到一点都不难吧
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meal benefit是政府组织和你共享50:50,如果你吃了100块,你拿tax invoice去报,就是拿100*15%=15,你能拿回15块,你的雇主拿15块,现在很多政府组织已经不可以拿海外的消费单据拿来报了,而且和以前相比设了很多条件限制。
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最合算的是还房贷。主要是帮你减少交税,就是你的部分工资不用交税。
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