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With first home saver accounts, the more money you save, the more the government will contribute (up to a certain limit each year). The specific benefits of a first home saver account include:
The government will make a contribution equal to 17% of your personal contributions for the financial year – up to a maximum of $935 for the 2010–11 year. So if you contribute $5,500 or more to your account during the 20010–11 year, the government will contribute $935 to your account.
The maximum annual government contribution will be indexed over time.
Earnings on your first home saver account are taxed at 15%, but this is paid by the account provider.
You don’t have to report any income you earn from your account on your tax return.
Withdrawing your money is tax-free.
You can contribute as little or as much as you like every year, up to a maximum account balance cap over the life of the account. The account balance cap includes any earnings over the years, and contributions the government has made.
The cap is $80,000 for the 2010–11 financial year and will be indexed periodically in $5,000 increments.
You will also be able to earn interest or earnings on your savings – both your personal and government contributions – from your financial institution. Read their product disclosure statement for relevant information.
The Australian Securities and Investments Commission (ASIC) have developed a first home saver account calculator to help you work out how to reach your saving goals and compare accounts. They also have a checklist which can help you decide if a first home saver account is the right way for you to save for your first home.
专业术语太多。
简单说，是否存的越多政府补贴的越多？ |
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