SMSF买房一定要单建个trust吗？

Hillwang

高手们？

今天给ATO打电话，问关于SMSF买房问题。居然回答要单独建一个TRUST购房。否则难以保证资产安全，从而影响了SUPERFUND养老的目的。

晕菜了。

分分伺候

LENNY_DONG

FOR BORROWING PURPOSE, U NEED BARE TRUST TO BORROW, AND ASSET BELONG TO BARE TRUST FIRST

PS: ARE U A ACCOUNTANT?

Hillwang

LENNY_DONG 发表于 2014-4-11 16:46
FOR BORROWING PURPOSE, U NEED BARE TRUST TO BORROW, AND ASSET BELONG TO BARE TRUST FIRST

PS: ARE U  ...

不借款无所谓了？

georgestreet

Bare trust or holding trust，sometimes also called custodian trust, is not a normal trust. You don't have to have it unless your smsf is entering a limited recourse borrowing arrangement. If that's the case, it'd be wise not to DIY if you don't understand all the requirements.

However, for other purposes, the property can be held by a normal trust in which your smsf is the only unit holder or one of the unit holders.

In summary, a trust is not necessary if your smsf is buying the property with its own money. If you have special needs, I suggest you seek professional advice.

LENNY_DONG

两位四大背景

yanghao1023

A unit trust can be considered if you don't have enough money in super fund and want to borrow from yourself. If you want to borrow from outside source then bare trust is necessary. If you don't want to borrow I can't see why trust is required. SMSF also protects your asset well.

JohnnySu

yanghao1023 发表于 2014-4-12 21:21
A unit trust can be considered if you don't have enough money in super fund and want to borrow from  ...

没错 需要贷款的话才需要bare trust。

Hillwang

LENNY_DONG 发表于 2014-4-11 16:46
FOR BORROWING PURPOSE, U NEED BARE TRUST TO BORROW, AND ASSET BELONG TO BARE TRUST FIRST

PS: ARE U  ...

Auditor,过去审中国移动，中国电信之类的企业，各省、市、城、乡、村、镇、县都有基站，资产，员工，账外账，一审就是一年那种........

现在被迫转行干会计了

LENNY_DONG

Hillwang 发表于 2014-4-13 20:51
Auditor,过去审中国移动，中国电信之类的企业，各省、市、城、乡、村、镇、县都有基站，资产，员工，账外 ...

很好经历。。。。

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