贷款利息的问题

sock_jin

最近打算买个小生意，准备把自住房抵押给银行贷款，如果买了以后当然会把家搬到生意那里去住，那么就会把现在的自住房出租出去，变为投资房，现在有个问题比较困扰，就是把自住房抵押给银行获得的贷款的利息

1. 这些利息是属于投资房的利息？还是属于生意的成本范围，因为贷款是为了买生意的

2. 贷款是我一个人贷的，但生意准备只写老婆一个人的名字，这样的话，那些利息能作为生意的成本吗？

谢啦。

sock_jin

顶一下拉

Gladys123

If the purpose of the loan is for business, the loan is a liability of the business, and interest on loan is an allowable deduction for the business.

sock_jin

谢啦

rhoda

这个贷款是用作生意支出的可以扣除是没有问题的。
但是贷款的LZ, 生意归LZLP所有。生意作为taxpayer，投资人是LZLP而不是LZ。如果在法律上LZ没有对这个生意作投资的话，我认为这只能认为是LZ借了贷款，然后无偿让LZLP作为生意之用。承担利息的不是这个生意，而是跟这个生意并没有关系的LZ。如果这样那这个利息就不可以扣除了。建议LZ还是咨询一下ATO比较稳妥。

sock_jin

晕啊，能不能问问会计师呢？

wuxianzf

当然可以问会计啦~~~

kuxxc

If your house is currently fully paid off and you are thinking about mortgaging it to buy the business, you should consult this with an experienced accountant as getting it wrong will cost too much.

I would imagine the easiest way is to have your wife apply a line of credit account with the family house as security and if necessary you as guarantor. This way it's clean and simple.

There're plenty of other ways to get a loan in your wife's name (you could get the LOC yourself and lend it to the new company etc). But really you should sit down with an experienced business accountant and go thru it carefully. You also should plan for the future when the house will be rented as investment properties~

Good luck!