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想买个地，再花10个月造个投资房，会找银行贷2个loan，一个买地的loan，一个造房的loan。
请问，
1）房子造好之前的10个月里，买地的loan产生的利息是否可以抵税？
2） 房子造好之前的10个月里，造房的loan产生的利息是否可以抵税？
我查了一下ATO，是这样的
What can you claim
You can claim the interest charged on the loan you used to:
purchase a rental property
purchase a depreciating asset for the rental property (for example, to purchase an air conditioner for the rental property)
make repairs to the rental property (for example, roof repairs due to storm damage)
finance renovations on the rental property, which is currently rented out, or which you intend to rent out (for example, to add a deck to the rear of the rental property)
purchase land on which to build a rental property.
You can also claim interest you have pre-paid up to 12 months in advance.
What are you unable to claim
You cannot claim interest:
you incur after you start using the rental property for private purposes
on the portion of the loan you use for private purposes (for example, money you use to purchase a new car or invest in a super fund)
on a loan you used to buy a new home if you do not use the new home to produce income.
注意上面underline的话，是否意味着可以买地的loan产生的利息是可以报的。
我问了一下我的tax account， 答案是不能报，因为还没有rental income产生，所以都不能报。
请问有经验的能否指教一下？ 多谢，加分 |
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