(可能是老问题了)海外信用卡澳洲消费海外还款

yuezhongli

我如果有个朋友在香港有一笔钱，然后457工作签证来澳洲工作，拿着香港的信用卡在澳洲消费日常使用，欠款在香港银行完成还款，这种情况算是violate ATO的规定吗？

主要是想避免汇钱过来澳洲被收税，同时汇率ok的话也没有什么损失。

isdnman

完全没问题， 和 ATO 有什么关系
不过一般信用卡， 都有货币转换费， 建议选择免货币转换费的信用卡刷比较合适

yuezhongli

isdnman 发表于 2015-2-11 15:36
完全没问题， 和 ATO 有什么关系
不过一般信用卡， 都有货币转换费， 建议选择免货币转换费的信用卡 ...

但是不是那么简单吧，我研究了很多帖子。。。

首先香港的这笔钱有投资股票基金等等，如果他在澳洲的这段时间，香港的资产产生了收益，是否要按照澳洲的税率进行收税？

其次，假设她澳洲每年收入是100k AUD，然后海外的这笔钱带给他的收益是每年50k AUD，所以他可以舒服的花50K澳币，这样ATO会不会也那种‘莫须有的“收入和支出不匹配来进行收税？

谢谢

yuezhongli

isdnman 发表于 2015-2-11 15:36
完全没问题， 和 ATO 有什么关系
不过一般信用卡， 都有货币转换费， 建议选择免货币转换费的信用卡 ...

香港的有些信用卡汇率挺不错的，而且没手续费，比直接转现金再花还要值

Jackson_Wong

I would like to share my understanding on this particular issue (paid opinion by Tax Expert), a 457 visa holder is only having the TR (Temporary Residence) status in Australia. According to Australia Taxation law, the visa holder will only be taxed for his/her income generated from his/her work inside Australia. In other words, visa holder's investments gains outside Australia will not be taxed.

yuezhongli

Jackson_Wong 发表于 2015-2-11 15:50
I would like to share my understanding on this particular issue (paid opinion by Tax Expert), a 457  ...

Hey Jackson


thanks a lot. really good comments.

one more confused point here is 457 is kind of in the middle between residents and non-residents for tax purpose (ATO has some self assessment tool and result can be different depends on her plan for coming years. Obviously tax-resident can pay less Tax income for Australia salary.  

So now the question becomes: is there an ideal case that she can pay Australia income in a resident rate and still exempt from overseas investment income gain. otherwise it will be a tradeoff between resident and non-resident (assume she can be either)

thanks again.

panadol89

记得以前一个我们公司请了个法国的consultant, 一次吃饭告诉我们他在澳洲和法国两边都不交税, 不知道怎么操作了.

yuezhongli

panadol89 发表于 2015-2-11 16:14
记得以前一个我们公司请了个法国的consultant, 一次吃饭告诉我们他在澳洲和法国两边都不交税, 不知道怎么操 ...

有些外派是这样的，好像出差多的话，比如世界各地跑的话，可以有这种待遇。

Jackson_Wong

Hi YZ, as far as I know, a 457 visa holder strictly speaking is an Australian Tax-resident, unless you're having a very special situation, like not spending more than 180 some days every year in Australia etc...There is a test with some questions on the ATO website to test whether you are a Tax-resident or not. In most cases, if you're working in Australia with a 457 visa, that will make you a Tax-resident. However, since you're only having the status as a Temporary Resident (under the Immigration Law), you are exempted to pay tax on income not with an Australia origin..such as bank interest earned on deposits made outside Australia before coming to Australia, rental income from properties purchased before attaining the TR status...etc..An very important point here is...please be very careful with the issue of tax avoidance with arrangements for income earned inside Australia due to this exemption. Hope the above is helpful! Cheers..