如果房子是夫妻联名名下的（各占50%)，而只有一方有收入
那报负扣税的时候只可以报一半的费用吗？
比方说单方收入8万，房子利息和其他开支一年3万，租金收入一年2万，那负扣税就是1万，这1万可不可以都算成这个收入方的？
就是把taxable income从原来8万减少到7万，还是说只能5千？从8万减少到7万5？
谢谢
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只能算5000哦。另外5000要算到老婆头上。而且算family tax benefit的时候老婆那5000还要加上去，等于全家收入是85000
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这个可以通过签订什么协议来规避么？比方说改成一方占99%，另一方1%？
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也想知道
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mark
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NG 也要加入收入变成8万5？
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你那租金收入也要算到你的收入里的嘛。
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不可以，一定要tenant in common分比例。
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只占50%，不管配偶收入如何。
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是的，FTB看adjusted taxable income.
比如，家庭收入10万，投资亏损1万，你的income就是按11万算。
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就是一定只能分50%做NG吗？
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是的，除非买房的时候写好比例，比如老公99%，老婆1%。如果没有写，默认为50%。但是，这也不是一个好办法。因为现在你是NG，所以貌似这个方法能多退税，但是如果以后PG了呢？岂不是要多交税？
如果现在房子已经买了，去找会计师，建立一个地产投资信托基金，这样的话可以满足你的需求，但是需要初期设置费用和长期会计费用。你咨询过专业人士后在做定夺。
说的不对的地方请拍砖，加分的不要手软。
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别瞎糊弄了。。FTB的adjusted taxable income还是按照10万来算。投资亏损1万，但是你的taxable income也减少了1万。
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说的对，taxable income已经减过一遍了。
[ 本帖最后由 floodp 于 2012-7-4 21:50 编辑 ]
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这是不对的。算centrelink benefit的时候是taxable income + investment loss，如果一个人收入是十万投资亏损1万，taxable income就是9万，加起来还是10万。但是如果这1万亏损摊到两个人头上而一方又没有收入，他那边的收入就是5千，有收入一方还是10万，加起来是10万5千。
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尽量不让房子NG吧
当时买自住房的时候没考虑要转投资，现在有这个打算，看来负扣税也抵不了多少
不过我觉得ATO这个规定挺狗血的，单收入家庭那肯定是有收入的一方在承担投资损失啊，按照这个算法，原来没收入的一方现在反而变成有收入了，哪怕这个收入是来自于配偶的损失
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我举的例子是收入8万，怎么弄成10万了？
看得有点混
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我怎么觉得还是10万不是10万5呢。
taxable income 9万， + 每人5000的investment loss, 不还是10万吗？
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这个loss的1万是两人平分地。所以那taxable income应该是9.5万，而不是9万。。。
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进来混分
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晕。。
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是平分啊，但是算的是FAMILY INCOME， 这5000不还是要加上去啊。那么最后就是10万。
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那有没有什么办法把投资房转到有收入的一方名下呢？我听说好像有个什么转卖或者赠予之类的，不知可行吗？
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看着乱啊，哪位有经验的会计进来给大家缕一缕啊。。说的好的， 有依有据的，加分会很猛烈的。。
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1. Both the income and expense of the investment property need to be allocated evenly (50:50) to husband and wife, if no other arrangement was done when purchasing the property. No matter how you allocate, the income and expense should always be matching. that is, you can not 'choose' to allocate all the income to one person, and allocate all the expense to the other person.
2. You could have allocated the 99% of the ownership of the property to husband, and only 1% to the wife (if the wife does not have any income). But this needs to be arranged when you purchased the propery and you should tell the solicitor.
So I believe your income should be decrased from $80,000 to $75,000. The other $5,000 loss should be allocated to your wife.
[ 本帖最后由 lesli1109 于 2012-7-5 13:45 编辑 ]
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is the rent been treated as income or loss? ie. does my wife need to claim the $5000 as rental income? which really not make much sense as it actually a loss ( only because the husband cover the loss)
further more, can my wife claim this loss back when selling this property later to reduce the CGT?
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1. Based on the info you provided, both you and your wife should claim half of the income and expense.
You claim Your wife claim
Income: 20,000 10,000 10,000
Expense: (30,000) (15,000) (15,000)
Net loss from the rental property: (10,000) (5,000) (5,000)
Salary income 80,000 0
Total taxable income for the year: 75,000 0
2. I don't think your wife can claim the loss back when you sell the property to reduce CGT.
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rent: income
your wife should claim both rental income and the expenses(ie half of the interest, half of the agent fee, land tax..).
If the finial result income-expense is negative, then it is a loss.
From ATO point of view, your wife gains 50% of benefit as well as carries 50% expenses. Regarding, how your wife manages to carry the 50% expenses... it is not ATO's concern.
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我的理解，太太的loss应该是可以carry forward的吧。 Capital Gain也是交易当年的income之一，应该可以抵扣一部分收入。
http://www.ato.gov.au/corporate/ ... ontent/00262223.htm
Individuals
Individuals, both those in business (sole traders and partners) and those not in business, can generally carry forward a tax loss indefinitely, but must utilise a tax loss at the first opportunity. Individuals may have to treat losses from non-business activities (such as investments) and business activities separately.
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