存4年，一年最少1k，
政府给啥好处？
谁给解答下。
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http://www.ato.gov.au/individuals/pathway.asp?pc=001/002/066
google下吧，ato网站上有说明的
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With first home saver accounts, the more money you save, the more the government will contribute (up to a certain limit each year). The specific benefits of a first home saver account include:
The government will make a contribution equal to 17% of your personal contributions for the financial year – up to a maximum of $935 for the 2010–11 year. So if you contribute $5,500 or more to your account during the 20010–11 year, the government will contribute $935 to your account.
The maximum annual government contribution will be indexed over time.
Earnings on your first home saver account are taxed at 15%, but this is paid by the account provider.
You don’t have to report any income you earn from your account on your tax return.
Withdrawing your money is tax-free.
You can contribute as little or as much as you like every year, up to a maximum account balance cap over the life of the account. The account balance cap includes any earnings over the years, and contributions the government has made.
The cap is $80,000 for the 2010–11 financial year and will be indexed periodically in $5,000 increments.
You will also be able to earn interest or earnings on your savings – both your personal and government contributions – from your financial institution. Read their product disclosure statement for relevant information.
The Australian Securities and Investments Commission (ASIC) have developed a first home saver account calculator to help you work out how to reach your saving goals and compare accounts. They also have a checklist which can help you decide if a first home saver account is the right way for you to save for your first home.
专业术语太多。
简单说，是否存的越多政府补贴的越多？
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没看懂
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存款0-5500,政府补贴17%
5500及以上就只有最多的上限 5500的17% $935
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我看了一下
每年至少存1000到这个账户,要存4年
中间你改变主意的话,这些钱只能转到你的super账户,而不能拿出来
每年最多补贴你$935
补贴的钱要交税,固定15%
不知道有没有看错的地方
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but this is paid by the account provider.
You don’t have to report any income you earn from your account on your tax return.
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4年后,会发现那点补贴远远小与房价升幅的可能性非常大,那个"中间你改变主意的话,这些钱只能转到你的super账户,而不能拿出来"就是这个计划失败的根源,这也是陆政府一系列骗人的花招之一.
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应该是不交税的吧?
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这个你要确定4年之内不会买房
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"The more money you save, the more the government will contribute – up to a certain limit each year, and there’s also a tax incentive to save money for your home because earnings are taxed at 15%."
这句话是不是说government contribute作为earnings要交15%的税?
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按照 15% 的比例扣税， 因此年度报税的时候这部分的利息无需向 ATO 申报
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好像只有利息交15%的税。而且每年只有参加退税或者填一个表，申明你不参加退税，才能得到政府的补贴。
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只有利息交税，补贴不用交税。而且最后你只能把这个钱拿出来用在房子上，你损失的是5500的流动性和现值，得到的是935的补贴，自己权衡。
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最大的弊端是一定要存4年以上，4年之内买房了话这个钱也要进super了。
谁打算买房然后又不在四年之内，那样可以考虑了。
其他方面不错。
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