还是投资房退税的问题 分分伺候

wangrui1210

下面是ATO网站的一 个CASE
如果 和CASE里的反过来
take out 一部分钱 假设20W吧 当首付（不是全部房款 只是首付）又从银行贷了一部分钱 假设 40W吧 买了一房 但把后来买的这个当投资房 租出去
这20W 和那40W是2个不同的帐号哈
这2部分钱产生的利息都能抵税吗？

Example: Interest incurred on a mortgage for a new home

Zac and Lucy take out a $400,000 loan secured against their existing property to purchase a new home on the other side of town.

Rather than sell their previous home they decide to rent it out.

They have a mortgage of $25,000 remaining on their existing home which is added to the $400,000 loan under a loan facility with sub-accounts – that is, the two loans are managed separately but are secured by the one property.

Zac and Lucy can claim an interest deduction against the $25,000 loan for their previous home, as it is now rented out.

They cannot claim an interest deduction against the $400,000 loan used to purchase their new home as it is not being used to produce income even though the loan is secured against their rental property.

flyspirit

我认为是40w贷款可抵税。

20w首付取决于你是怎么take out的。

wangrui1210

原帖由 flyspirit 于 2010-10-15 22:26 发表
我认为是40w贷款可抵税。

20w首付取决于你是怎么take out的。

叫INCREASE还是叫什么？
就是估价 把EQUITY的80%贷出来 不知道我说的对不对

flyspirit

Line of Credit?

wangrui1210

原帖由 flyspirit 于 2010-10-15 22:52 发表
Line of Credit?

不懂 貌似不是

wangrui1210

到底怎么判定那20W能不能抵税呢？

NSW牙医技师

有人的UNIT基本还清贷款才当投资房出租，虽然另抵押了二十万用来买别的房，但这二十万是不能抵税的。亏大了。所以要如老妖所说，一直用offset 账号。

wangrui1210

原帖由 NSW牙医技师 于 2010-10-16 17:07 发表
有人的UNIT基本还清贷款才当投资房出租，虽然另抵押了二十万用来买别的房，但这二十万是不能抵税的。亏大了。所以要如老妖所说，一直用offset 账号。 ...

这个偶明白

如果是把后来买的那个房子当投资房呢？