国内房产卖了放这里吃银行利息的可行性？

lesli1109

楼主的这笔钱短期内要在澳洲花掉吗(比如买生意或者买房子等)? 如果只是为了赚点利息就换过来, 好像不划算.

汇率的变动有很大的风险,毕竟现在澳元不在低位, 现在人民币换澳元本身就不便宜.

就像楼主自己说的,汇率却是很复杂, 没有人能确定澳元的汇率到底会怎样, 但这不代表楼主不需要考虑这其中的风险, 我觉得这恰恰是最大的风险.

平平淡淡

国内房价涨得这么快，还是别卖过几年再卖。现在澳币在高点，划不来啊。过几年澳币一定会跌的，倒时再卖，房子可以多卖点钱，换汇也划算。

likespring

当然现在不卖了，正在涨，等等卖也不迟。

heloo

个人觉得房价高的时候, 澳元汇率也是高的, lz想等汇率低时卖房子, 估计那时房子也卖不出好价钱,,

wusuo

现在换澳元貌似太亏

dandan

汇到澳洲的过程花不几个钱。就是现在换汇不划算。

chech28

其实现在澳币汇率并不算高。。。

grace181

我觉得挺好的， 我就有笔钱从国内来， 每个月给我差不多500-600的利息，如果存定期更高些

WICLO_C

原帖由 charmaine 于 2010-1-4 08:46 发表
如果不提供税号，银行会自动按最高的税率hold你的利息的

10%. 开户时告知银行，是海外存款，只要WITHHOLD 10%。

shangpin

原帖由 alyssa 于 2010-1-2 09:13 发表

我记得是30%的利息税。

海外人士的存款，利息税只是10%，银行的人告诉我的，还教我这个帐户千万别关，利息税低。

jerryclark

http://www.ato.gov.au/individual ... =/content/29089.htm

What is the effect of being a non-resident?

Non-residents pay tax differently from residents. As a non-resident you will:

    * pay tax on all salary and wage income earned in Australia. The non-resident tax rates are different from resident tax rates. See Individual income tax rates for details of non-resident tax rates
      
    * have 10% of any interest earned from your Australian bank accounts withheld for tax. This interest is not included as assessable income. You need to advise the Australian financial institution of your overseas address so that this tax can be withheld otherwise tax will be withheld at the higher rate of 46.5%
      
    * not pay the Medicare levy. You also may not be entitled to claim Medicare benefits
      
    * not be entitled to the tax-free threshold
      
    * have tax withheld from unfranked dividends. These dividends are not included as assessable income. You need to advise the Australian company of your overseas address so that this tax can be withheld otherwise tax will be withheld at the higher rate of 46.5%. Where you receive franked dividends, no tax is withheld as the company has already paid tax on your behalf. These dividends and franking credits are also not included in assessable income
      
    * not be entitled to claim certain tax offsets or tax credits which are available to residents, and
      
    * be required to show any Australian rental income in your tax return.

jerryclark

http://www.ato.gov.au/individual ... =/content/20114.htm

Non-residents

If you were a non-resident for tax purposes for all or part of the year and you received or were credited with interest during the period, then refer to Non-residents - lodging an Australian income tax return

If withholding tax was deducted from your interest, then you do not have to write it anywhere on your tax return because withholding tax paid by non-residents is a final tax.