why buy second house, while there is a 30% capital gain?

yangG99

as above!
I am not an accountant..not good with math either...so I do not understand...
why so many people are buying investment house and taking on a big loan....
no matter how much the property worth when u sell it, the 30% capital gain will take alot our of your hand!
plus...the income you get from leasing it add to total income....tax.....

Does it really worth it?
I say people here are saying, need to be careful for investors for current market, but looks like there are lots of investors are buying recently! for low interet loan? does it worth it?

Please explain if anyone know better!
thanks

wTam

如果你有多余的钱留着养老，你会放哪里？

银行定期？股票？基金？投资房？

不管什么东西赚了钱都是要打税的。

yangG99

why not sell the one living and buy a bigger and more expensive one, just live...

mmmggg

楼主，反正你上班赚钱也要交税，不如天天在家睡大觉政府还给你补贴呢，对不。

melbournegal

lz刚毕业吧。。。。。有多余的钱放银行也要交利息税好吧。。。。。。。

yangG99

this is not the same!
many people borrow lot os money from bank...and buy investment house...then work ass off for many years...for what? paying the interest and hoping property value go up? and worry about leasing...fixing problems...paying income tax...and then end of the day..pay 30% capital gain?

yangG99

well...looks like it is rich people's game!
but why so many people who do not have much moeny buy investment property?

Bomel

我没看大懂。什么是the 30% capital gain will take alot our of your hand!

yangG99

Bomel 发表于 2013-10-25 23:55
我没看大懂。什么是the 30% capital gain will take alot our of your hand!

if u have two property, when u sell one of them, u need to pay the 30% capital gain.
eg: u paid 300k, sold for 40k. u need to pay $3k to the government plus agent fees etc...
unless u never sell...till...if one day the government change the policy!

Bomel

不提投资收益。现金单放着是要贬值的。所以就要投资在比较保值的资产上。尤其澳洲的税收制度又有点鼓励贷款投资，惩罚储蓄的意思。除非你能把多余的钱都花掉。我也鼓励大家有钱别就想着钱生钱，出去旅游旅游，学习学习，提高自己的内在。

(悉尼）吹哥

yangG99 发表于 2013-10-25 22:46
this is not the same!
many people borrow lot os money from bank...and buy investment house...then wo ...

1：CGT only 15%

2:  it is poor people game.     

yangG99

Bomel 发表于 2013-10-26 00:06
不提投资收益。现金单放着是要贬值的。所以就要投资在比较保值的资产上。尤其澳洲的税收制度又有点鼓励贷款 ...

yangG99

(悉尼）吹哥 发表于 2013-10-26 00:07
1：CGT only 15%

2:  it is poor people game.

sorry what is CGT?
(paopaobing(79))

stockcomments.c

Why sell?

谁卖啦？

卖了拿什么套银行钱啊。

yangG99

one day will sell!  till ...die?

(悉尼）吹哥

yangG99 发表于 2013-10-25 23:09
sorry what is CGT?

CGT = capital gain tax

yangG99

thx! why i heard 30%? MEL? all same?

Bomel

yangG99 发表于 2013-10-26 00:16
thx! why i heard 30%? MEL? all same?

投资的资产持有超过一年有50%的discount。 所以一年之后就是15%了。

Agamemnon

看英文好吃力啊

goodsydney

Lz 将来退休就等着拿pension吧。

vinsonz

在这件事上，大部分人做的其实是对的。当然，量力而行，若真把自己搞得那么辛苦就没必要

czgr008

Bomel 发表于 2013-10-26 00:22
投资的资产持有超过一年有50%的discount。 所以一年之后就是15%了。

这样吗? 谢谢 学习了

hyue68

i wish

BillyBlue

其实很多搞financial planning或其他接金融类的都不喜欢地产投资。觉得操心肯定最多，投资回报最差

overbridge

BillyBlue 发表于 2013-10-26 07:31
其实很多搞financial planning或其他接金融类的都不喜欢地产投资。觉得操心肯定最多，投资回报最差 ...

那是啊，他们可都是拿着别人的钱在玩呐，当然怎么心跳怎么来。

宁静而致远

overbridge 发表于 2013-10-26 08:37
那是啊，他们可都是拿着别人的钱在玩呐，当然怎么心跳怎么来。

我们的养老金也就是这样给他们玩着呢

cantonese

感谢分享

cantonese

(悉尼）吹哥 发表于 2013-10-26 00:07
1：CGT only 15%

2:  it is poor people game.

加上当年工资。%？

overbridge

宁静而致远 发表于 2013-10-26 07:41
我们的养老金也就是这样给他们玩着呢

养老金是咱们普通人的最痛吧。

被政府强制规定拿出自己的钱养一群蛀虫，还被不断强行推迟领取的时间。

我的养老金直到去年改为100%deposit才能勉强收支平衡，以前年年报告亏损。

宁静而致远

overbridge 发表于 2013-10-26 08:46
养老金是咱们普通人的最痛吧。

被政府强制规定拿出自己的钱养一群蛀虫，还被不断强行推迟领取的时间。

谁知道真正退休之后还剩多少呢。鬼佬还真的拼命放钱下去以保养老。想不通