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楼主:anitalx

关于用Personal Loan做股票想法 [复制链接]

anitalx

银靴族

发表于 2007-3-26 11:39 |显示全部楼层

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我看IMB的secure loan的利息是8.99%，为什么personal loan退税会比较麻烦呢？

黑山老妖

钻石靴族

发表于 2007-3-26 11:49 |显示全部楼层

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by definition, it's a PERSONAL loan. The sole purpose test says you can only claim interest as deductible if the purpose of the loan was for investment only. But I think you can probably get away with a bit of explaining. Just remember don't mix your use for the loan with personal use.

Margin loan have interest rates under 8.5% if you look hard(eg. nab) and interest rate goes down very nicely if your loans are big (can negotiate as well).

I think your biggest problem is draw down, repay, draw down again. That's the nature of trading anyway.

Happy Wife = Happy Life

anitalx

银靴族

发表于 2007-3-26 11:55 |显示全部楼层

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不是只要能证明这个personal loan是用来做股票就可以达到扣税的目的么？

提到margin，总是有点怕怕的

austeps_join

头像被屏蔽

禁止发言

发表于 2007-3-26 12:08 |显示全部楼层

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原帖由 anitalx 于 2007-3-25 13:53 发表
这个不难做到啊，一年下来还能不到5万嘛

要在同一时间有5万的交易数据,不能累积.

黑山老妖

钻石靴族

发表于 2007-3-26 12:08 |显示全部楼层

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like I said, you can prove the purpose okay eventually. but the hard bit is the operation of the loan account. make sure you can continuously draw down and repay the loan. for investment loan you need interest only loan not p&i loan like a personal loan.
If you really insist on a personal loan, there is nothing I can add here.

Happy Wife = Happy Life