|
|
此文章由 witnessant 原创或转贴，不代表本站立场和观点，版权归 oursteps.com.au 和作者 witnessant 所有！转贴必须注明作者、出处和本声明，并保持内容完整
I think the original poster has confused quite a few concepts and do not fully understand/appreciate the primary purpose of a family trust. I'll try to answer the different components of the question separately.
以family trust的形式买房好吗，我们是小两口和老两口，要买个房子，不知道是否可以把四个人都放在房子的account name里面
When you say 'account name'. Are you referring to a bank account or names that go on the title deed?
If it's the former, every single co-owner will need to be included in the mortgage, unless you are able to buy the house outright without any loan. But judging by the mention of 'negative gearing', it suggests you want to claim the interest expense. So you probably will have a loan.
As for the title deed, you can have as many names as you want. But again, think about what you are trying to achieve. Some of the unintended consequences are:
1. not all 4 of you may meet the eligibility criteria for first home owners grant. Please double check with the State Revenue Office, but the last time I looked into this matter, the transaction MUST be the FIRST purchase for all co-owners to be eligible. If one of you has purchased another property in the past, the others can not claim the grant.
2. if any of the co-owners purchases another property, they will not be eligible for first home owners grant, because they have already purchased a house.
，这样房子是否能享受到老年的打折，如老两口有senior card，各种水电煤的费用可以打折；
The senior's discount will only apply if they are the account holder on the utility bill.
小两口还可以负扣税。这两个能同时享受吗？
If all 4 of you are living in the house, then you cannot receive negative gearing because it's not an investment property. If only your parents live in it and their names are on the title, you still can't claim it as an investment property because they are co-owners. Basically, principal place of residence cannot be an investment property.
Finally, you can purchase/hold a property in the name of a family trust, but you still need a trustee (i.e. natural person) to do the holding, but that part is easy, you just appoint someone, can be you or your spouse or even one of your parents in theory. However, there is no CGT discount when you eventually sell. You may still be exempt from land tax provided it's your principle place of residence. |
|
堆栈摄影实践 (2015-8-17) wangbo1118 
天使之夜 (2005-7-24) 闲过信陵饮 
发表于 2016-5-1 07:58
