千年老问题，投资房退税(分分伺候）

bennytang

以下均为举例：
我有自住房，比如价值80w，贷款64w，但是银行有offset账户存款30w；现在要买投资房，比如100w，银行贷款80w，我从自住房的offset账户中支付约25w的首付+stamp duty。请问退税的时候是按80w的利息来算，还是105w？

broker说，可以按105w退税，是真的吗？请问怎么才能做到全额退税？

我自己的理解：是要把自住和投资房捆绑贷款，然后投资房贷105w，自住贷180*0.8-105=39w。这样看投资房的时候，就能看到105w的利息支出了。

jeff_lawsons

You can only claim interest on $800K loan, not $1.05M loan.

Money was deposited in an offset account which is a sub account of your home loan account. The offset account is a debit offset account which does not pay interest, but offsets the credit balance in the home loan account, so that there is reduced interest on the home loan account. The home loan account is for your residence.

There is no interest incurred by you on the money that is withdrawn from the offset account for purchasing the investment property. Therefore, there is no deductible amount in relation to the $250K. There is interest incurred on your home loan account, but this loan is used for the purchase of your private residence. No amount of the interest is deductible for income tax as the loan is used for private purposes.

Therefore you can only claim the interest deduction on $800K Loan.