投资房利息

WICLO_C

买了一套投资房，银行贷款80%。 打算用自住refinance 多出来的钱交剩余的20%和stamp duty. 因为refinance还没搞好，就先用自住的offset钱交了10% 的deposit. 请问，到时候算利息时候，这个10%的利息还是可以抵税的吧？会不会说因为这钱是offset出的，不是refinance出的，就自能按90%房价利息来抵税啊？

jeff_lawsons

The answer is NO.

When you hold a loan account and an interest offset deposit account is attached to this account which reduces the interest payable on the loan, any subsequent withdrawal from the deposit account would not be considered a borrowing.

Even though amounts taken from the deposit account would increase the interest paid in relation to the loan, these funds simply represent your savings rather than borrowings.

Hence, no deductions would be available if the rental property is acquired using funds taken from your deposit/offset account.

秋叶静美

那请问如果refinance的offset account有支票本，开了支票付10% deposit，能抵税吗？

znby

应该得你自住房房贷redraw出来的钱的利息才可以deduct
不过，貌似两套房子一起办贷款，等房子settle时，如果投资房房贷是100%or105%，则投资房贷款利息可以全抵扣，那么现在10%deposit的利息也就1～3个月，根本没多少钱，你就是得好好考虑是否值得现有自住房多还贷款再redraw，因为这会影响到以后自住房转投资时，房子可抵扣的贷款总数