如题,谢谢!
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不知道你想问什么
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不好意思我外行,表达不清楚.
现有一笔卖个人名下房子的款项, 想用smsf名字去买一物业, 故需要把这钱放入smsf. 想了解有关规定.谢谢!
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这个目前最多可以放Access to $330,000 cap (over three years)
当然这个要看你之前有没有rollover进去。
Table: Contribution and bring forward available to members under 67
Total superannuation balance
Contribution and bring forward available
Less than $1.48 million
Access to $330,000 cap (over three years)
Greater than or equal to $1.48 million and less than $1.59 million
Access to $220,000 cap (over two years)
Greater than or equal to $1.59 million and less than $1.7 million
Access to $110,000 cap (no bring-forward period, general non-concessional contributions cap applies)
如果夫妻2 每人都可以放330，000 那就是60多万 买个house 带点钱够了
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当然如果你还需要贷款什么的 那就需要设立bare trust，这些东西你肯定要走会计和律师的
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非常感谢!
现有super总数额很少.若入了最大额后, 还差5万左右才能够钱买房子,不想复杂去贷款, 怎办？可以自己贷给super吗？
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可以自己放5万进去，然后写一个loan arrangement，然后要正规的，包括利息多少 每个月还多少。 这些就可以了。
如果你愿意 甚至全部是loan都可以。
不用给我加分，大号被禁了 小号出来浪
SMSF borrowing from a related party
The law does not prohibit the lender from being a related party. However, we are likely to apply scrutiny to related-party LRBAs where the terms of the loan, taken together, and the ongoing operation of the loan, are not consistent with what an arm’s-length lender dealing at arm’s length would accept in relation to the particular borrowing by the fund trustee.
Additionally, SMSFs must continue to comply with other legislative requirements. For example, the SMSF must satisfy the sole purpose test and comply with existing investment restrictions such as those applying to in-house assets and prohibitions on acquiring certain assets from a related party of the fund.
See also:
SMSFR 2010/1 Self-Managed Superannuation Funds: the application of subsection 66(1) of the Superannuation Industry (Supervision) Act 1993 to the acquisition of an asset by a self-managed superannuation fund from a related party
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明白, 非常感谢!
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不好意思,再请教一问题,
若自己贷款给自己的smsf买房后, 因房子收租亏损,smsf不能还或少还利息给自己了, 可以吗？要记录下来待smsf有钱时再还吗？
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可以的 就用smsf的名义写给自己 要求暂停
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谢谢!
现想采用自已loan给smsf这选项.看了ato网站,好像不能直接买,要用smsf里的trust来持有这物业,担心做不好,事情变复杂了. 故此,想付酬请这方面的专业人士帮助, 如有推荐请短信给我, 谢谢!
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是的 理论上 你要自己借钱给smsf 也是要透过bare trust的 不过这就是几百块的事情 设置的时候和律师说好。
我也遇到过很多不设置bare trust直接借的 就看审计的时候 人家有没有所谓了。
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如果我已经有了一个trust，来hold了一个生意。如果我建立SMSF，可以用这个trust吗？还是需要专门建一个新的
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建议你找会计问或者可以问一下身边的broker如果SMSF 要借款lender一般要开什么条件。
如果你的贷款是dealing at arm's-length，房子有正常出租，极少可能会出现super没钱付利息的情况。
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super contribution caps for 2021-22? · Before-tax super cap: $27,500 (including employer contributions), 2个人的话，总数就有5万多
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