RT
评论
如果是SMSF买房的话，只能抵扣SMSF的收入，和个人收入无关。
评论
如果SMSF里的房子增值了，你也不能拿出来的，只能继续放在SMSF里面投资其他项目，一直到你60岁以上了SMSF里面的钱才能动用。用SMSF的好处是long term的，也就是说如果等你60岁以后，如果把里面的房子卖了的capital gain是免税的，如果面的房租是正收入了也是免税的。
缺点就是，如果现在年纪轻，会有相当一部分资金被SMSF锁住，不能灵活运用。
所以楼主要结合自己的财务状况来考虑是否用SMSF来买房子。另外用SMSF卖房子的利率也会比一般的个人贷款利率要高。SMSF每年还有其他的开支比如，会计费，审计费，tax return, ATO levy
评论
学习了
评论
"会有相当一部分资金被SMSF锁住，不能灵活运用"
你是说额外的super contribution?
评论
买房子的20%首付+stamp duty. 如果房子是negative gearing的话还需要每周往里面贴钱，这些都是在employer contribution意外的。
评论
Superfund 是一种Trust
里面产生的损失只能留在里面 不能抵扣个人收入。 所以就 negative gearing的效果来说没有以个人持有物业来得直接有效。
但Superfund持有物业有它的好处， 特别是对年纪达到Reservation Age的人来说， 如果将正现金流的物业界定为pension assets. 这样租金收入就都是免税的。这样对于那些靠租金生活的退休人士来说，税务上是有很大优势的。
这样的做法需要长期计划， 并不是短时间就可以设立好。 法规上对每人每年的super contribution都有限制。所以并不是说哪天要买房了，就吧钱放进去。
评论
No la
rich people can put 450k if they under 65 use bring forward rule ...as non concessional contribution
so rich couple can dump 900k......buy a house ......
hope right
评论
连会计师们都众说纷纭，lz就省省心别瞎折腾了
评论
Every year up to 150k, or 450k within three years non concessional contributions are allowed.
评论
The tax plan should be started as as soon as you are transitted to retirement. There is a set of plan including pension and estate plan.
评论
You can put in 450k in one year under the averaging rule but by doing this your are bringing forward the quota for the following couple of years, which means no more non-concessional contribution can be made in 3 years.
评论
900k
购买房子，不用担心三年内问题
还有每个人两万5，三年也有15万。
评论
实际中，如果我有900K现金，我可以买好几套房的首期了····
评论
SMSF - 负扣税？ 预计投资收益是负+离退休还早=都不劝客户用SMSF买的哦，相当时期没啥甜头滴泥
评论
用不用super fund 买房，主要看每个人的个人情况。
我们好多客户都是用super fund 贷款买房，有的买商业房，然后出租给自己的公司做生意用。
有的是因为不看好share market，感觉房子还是比较好的投资方式，长线投资。
可以利用super fund 现有的钱，然后再贷款进行买房，不需要自己再额外往Super fund 里投钱。
假如是以负扣税为目的的投资，用super来买房不是一个推荐方式。
而且上面有同学说：60岁以后super fund的收入免费， 这个说法成立的基本条件是你必须是开始或已经从super fund取退休金。假如你60岁以后还在工作，没有从super fund里取任何退休金，那你还是一直还要在 super fund里交收入所得税。
评论
那SMSF买的投资方如果亏损是自己往里补钱？
例如说每年利息3w+8000的其他开销，每年9.25%的super contribution是1w， 房租收入是2w。 这样净亏8000一年？需要往super里面在存8000？这8000不能用来负扣税？
评论
The Benefits:
Borrowing through your superannuation fund combines four very sought after benefits:
1) Asset protection – providing your contributions to the super fund are not out of character, your
creditors cannot access your super fund’s assets in bankruptcy.
2) Negative gearing – by salary sacrificing or if you have no employer support by making tax deductible
contributions to the superfund you are effectively getting a deduction for those payments at your
highest marginal rate. If the property is negatively geared in the superfund it will not have to pay the
15% tax on those contributions because they will be offset against the rental property losses. This is as
good as if the property was in your own name for tax deduction purposes but it gets even better .....
3) Unlike, if the property was still in your name when you sell or it becomes positively geared the
superfund is the one taxed on it at only 15% for the net rent and 10% for the capital gain. Or if the
fund has changed to pension stage there is no tax on the net rent or capital gain.
4) You get a tax deduction for principle repayments because you get a tax deduction for the super
contributions that make the principle repayments but the superfund will have to pay 15% tax on those
contributions. So if you are in the 31.5% bracket you are getting a 16.5% tax deduction for making
principle repayments, still a lot better than no tax deduction if you make them in your own name. If
you are in the 46.5% bracket it means you are effectively getting a 31.5% tax deduction for principle
repayments. Further the 15% can be offset by any depreciation that is available to be claimed
澳洲中文论坛热点
- 悉尼部份城铁将封闭一年，华人区受影响！只能乘巴士（组图）
- 据《逐日电讯报》报导，从明年年中开始，因为从Bankstown和Sydenham的城铁将因Metro South West革新名目而
- 联邦政客们具有多少房产？
- 据本月早些时分报导，绿党副首领、参议员Mehreen Faruqi已获准在Port Macquarie联系其房产并建造三栋投资联