老妖或其他懂行的帮帮忙-- top up 以后的自住转投资

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几年前买了个小房子 贷款了80% 前段时间top up 到95%（因为要用钱，剩下的都放在offset了）。  明年想把这个屋子转成投资房。

帐户现在是是P+I +OFFSET

有几个问题想问问：

1.转投资之前需要做一个valuation吗？
2.是不是最好转成INTEREST ONLY + offset 呢？
3.转投资以后需要提供自己在其他地方居住的证明吗？
4.我这种top up的 转投资以后贷款是按照当初借80%算呢，还是现在的95%呢？

注：本人工资不高，这个房子十年以内不准备卖的。 以前的帖子都看了，实在是晕。麻烦各位高手给个建议吧。
先谢谢了！

[ 本帖最后由 Start 于 2009-11-17 15:30 编辑 ]

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没人回答 顶一下

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:si91 自己顶

黑山老妖

1. Good idea to do a valuation to have a clear cut. You can always apportion the capital gain later if it works out better. So get valuation and you can always do calculation when you want to sell to get .
2. interest only is alway a good idea. offset or LOC is the same for investment, talk to your banker to see which one gives better interest rate and fees.
3. no. but you need to show you are generating income or intend to generate income to be able to claim on the costs. Best to talk to an accountant to be sure.
4. Depending on how much you have repaid etc etc. Talk to accountant too.

[ 本帖最后由 黑山老妖 于 2009-11-18 13:44 编辑 ]

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终于有人回复了 谢谢老妖 我加不了分 (paopaobing(32))  谢谢！

leo727

only answer question 4:  u can only claim interest exp on 80% loan, not 95%,

you can claim interest on the extra 15% you draw out, if you use these amount money to produce income, say: you use those money to buy shares etc

budgie

正想了解这方面的知识，学习了

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原帖由 leo727 于 2009-11-18 21:16 发表
only answer question 4:  u can only claim interest exp on 80% loan, not 95%,

you can claim interest on the extra 15% you draw out, if you use these amount money to produce income, say: you use thos ...

谢谢