房子交给中介打理，中介说每年6月份要报个税。
听说银行贷款利息可以抵税，但是，银行offset 帐户上存了足够的钱，每月不用付利息了，（但没有付清贷款，只为免掉利息）那抵税的事怎么办？是不是不能抵了？
请各位指教，先谢了！
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是的。。利息没的抵了。。你这个是正现金流了。纯中国式做法。从税法角度 应该把offset 的 钱拿出来放到其他家人身上做term deposit。。
做个简单的计算
假设贷款 30w。。利息5.1%。。 年利息30w*5.1% =15300.。
如果你 个人所得税是30%档（忽视medicare levy）。 税务抵扣4590aud。。
30w定期存款（如老婆户头）。 利息4% 利息所得： 30w*4% =12，000。。老婆无其他收入。。个人所得税 0.。
定期利息所得 12000+ 税务抵扣 4590 > 贷款 利息 15300.。。且盈余1290
评论
offset 里自己的钱，把能报税的利息给抵掉了
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Depreciation— boost your cash flow
Property Depreciation can make a big difference on the cash flow of your investment property. ATO allows you to claim for the decline in value of your investment property.
When you purchase real estate you are actually buying three things:
1. Land
2. Buildings
3. Assets in the buildings
Depreciation can be claimed on the assets of your property over the course of their “effective life”, as set by the ATO.
For example, the ATO suggests a ceiling fan has a life of 5 years, and carpet 10 years.
Even the buildings themselves can be deducted over time. Buildings and fixtures attached to the building can be deducted at the rate either of 2.5% or 4% per year depending on the age of the building.
A quantity surveyor can produce a tax depreciation report for an investment property.
The report details all your assets, fixtures and buildings, and determines the deduction you can claim each year over a period of 40 years. A depreciation report could save you thousands in tax, especially if you have purchase a newly built property.
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