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不需要逻辑，如果是offset，那么银行给你的statement上除了利息和repayment就没有其他任何信息，你扣多少利息就是投资的支出全部可以负扣税，至于利息怎么算就是银行的事；反之你如果是redraw，那么每一笔钱进出都会在statement上体现，你就需要一一解释这些资金到底是干什么去了，如果不是用于再投资，那么这笔钱产生的利息就不能负扣税。
随便搜一下就知道如果投资房，要么offset，要么redraw但是不去动他，否则税务上很麻烦。
随便找了一个ANZ的解释：https://www.anz.com.au/personal/ ... nces-redraw-offset/
The differences
An offset account is a separate deposit account. You can have your employer deposit your salary into it and you can transfer money in from other accounts. If you want, you can use your offset account for everyday spending like groceries and bills by using a debit card.
By contrast, a redraw facility is not a separate account but a feature attached to your loan. It allows you to draw back additional payments (the amount above your scheduled payments) you have made on the loan. A redraw facility may not be as flexible as an offset account. For example, you may not have the option to redraw money from an ATM or transact using a debit card. Some lenders may set minimum redraw amounts.
There may be different tax implications with using your redraw feature and offset account if you decide to rent out your home in the future. If you decide to rent out your home as an investment property, the interest charged on the loan may be tax deductible. But you may not be able to claim any portion of the loan you have redrawn from your redraw facility for non-investment purposes like a holiday or a private car.
On the other hand, withdrawing amounts from your offset account won’t affect the tax deductibility of interest charged on your loan. If there is a possibility that your first home could one day become an investment property, we suggest you seek financial advice on the best way to reduce interest on your loan with using a redraw or offset account.
Remember that everyone has their own spending and saving habits. What works for one person may not work for everyone. Here are a couple of scenarios that illustrate how offset and redraw accounts could work for different types of people. |
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一个vb程序员的找工经历 (2004-12-18) daydream999 
发表于 2022-4-28 13:10
