这种ruling是就像法律一样一定要遵守，还是只是建议。里面的Sample很详细。
我看status 是FOI status: may be released, 难道还没有发布？
连接:
http://law.ato.gov.au/atolaw/vie ... =3&pn=ALL:::ALL
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有会计来帮忙看看吗。
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Rulings是commissioner对税法的理解 如果跟着做 ATO就不会找麻烦 但ATO并不是总是对的 也有被在法庭上推翻的时候
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现在我们的情况跟这个差不多，可是卖了自住，再另买投资，会亏很多啊。
Example two
61. Bill is a computer programmer. He is offered a job in Darwin and decides to relocate his family there. He borrows $200,000 from the bank and purchases a «house» in Darwin. He makes the minimum monthly payment of $1650. After two years the balance on Bill's home loan is $186,000.
62. Bill receives a $50,000 windfall and decides to pay this money off his home loan. This reduces the balance to $136,000.
63. Bill is then offered a job in Perth. He decides to take the job and relocate his family. He decides to rent out the «house» in Darwin and borrow to purchase a new residential property in Perth. Bill redraws $50,000 from the Darwin loan and uses this as a deposit for the new home in Perth.
64. Bill can deduct the interest accrued on the outstanding loan principal of $136,000 that is related to the Darwin «house» from the date that property is available for rental. Those borrowed funds are used at that time for income producing purposes. As the new borrowing of $50,000 is used as a deposit on the «residence» in Perth, the interest on that borrowing will not be deductible as it is incurred for a non-income producing purpose.
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除非你是大牛，不然还是遵守ruling吧
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这个没什么争议的，也就是为什么人家宁可每年花年费要offset account，而不要redraw account
自住房转投资房，是根据你历史欠款最低的额度的利息才能抵扣的
或者说，能不能抵扣，要看你钱的用途，这里5W明显被拿出买自住房了
如果你5W拿出去炒股，自己租房子住，就可以抵扣了
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It should be read as " Freedom of Information (FOI) status": "May be released" . It is "May Be" here not "Maybe" . Here the "May" is more like "can".
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看看这样行不行，以投资房方式买新房。假设目前自主房值35w,Redraw和Refinace出来30w。用于买投资房，投资房租上半年，然后转自主，自主房转成投资。自住房的30w贷款能退税吗？
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不行了
还是一样，ATO说，你Redraw/Refinance出来的30W在哪里？
你说，买了新的房子B
新房子B，前半年在干啥？==〉在投资，利息扣税没问题
后半年在干啥？==〉自主了？当然不能扣税
事实操作有很多人投机
也有人买了新房B，住新房，和税务局说新房B是用来投资的，用老房子的租金向ATO说这是新房的出租收入
ATO正严查此类呢，当然，也有没被查到了
1，撑死胆大的，饿死胆小的
2，出来混，愿赌服输，被查出来别后悔
老实人不想多事的话，还是别这么干了
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