PR回国，能靠吃澳币利息混日子吗？

Lion_Princess

我觉得够了，问题是你要先存一年才能花销

Martin_2F

原帖由 Gaoclub 于 2010-6-9 15:36 发表
The bank will deduct 10% withholding tax when they pay interest in your account if you are no resident for tax purpose, but you will have to pay the difference, that is 19% in your case if you do not have any other income to ATO when you lodge your yearly tax return.

Not Right at All

Gaoclub

i called ATO about this question. That is the answer i get from ATO unless the ATO officer does not give me the right answer or does not fully understand my question. I hope you can make a call again to double check

miss2yt

我觉得如果不供房，不付房租的话，10W RMB/年，日子还是很不错得。

当然如果经常性的吃龙虾，泡天上人间，还是很算了吧。

去越南，柬埔寨生活还是可以充大爷的。

shayy

I checked online.

It seems if you provide bank with an international address and you are not in Australia for that time, the interest you earn from bank will be charge for only 10% withhold tax (there is a note on ATO website said this withhold tax is the final tax). But if you are in Australia, without a TFN, you will be charged for 48.5%, with a TFN you will be charged for income tax.

I guess this policy is to encourage oversea fund to be put in Oz bank.

Gaoclub

When your employer pay your salary, your employer already decuct withholding tax-PAYG from your salary, but at the end of year, you still have to lodge your tax turn to claim back the money from ATO if your employer deduct more or pay back money to ATO if your employer deduct less. Interest is just like the salary, but it is paid by your bank, instead of your employer. ATO require your bank withhold nothing from interest for resident, and 10% from interest for no resident when bank pay your interest, but at the end of year, you still have to lodget your income tax return. Interest is your income, just like you salary, but they have different withholding tax rate and they have same income tax rate.

wocom

其实换个思维,如果你退休了,只有40万澳元,你挺的住吗?我觉得差的太多了.

宋恩明

感谢各位热情的发言。
本人PR，有TFN，所以算不算海外居民？

宋恩明

原帖由 Lion_Princess 于 2010-6-9 15:39 发表
我觉得够了，问题是你要先存一年才能花销

那我可以存38万，差不了多少的。

宋恩明

原帖由 廊限评 于 2010-6-9 16:35 发表

秘书还在中国？

目前还在澳洲

宋恩明

原帖由 click 于 2010-6-9 14:58 发表
在国内如果有房子住，一年十万，我觉得即使是北京上海的地方，也能过挺舒服的日子。
只要不买奢侈品和大件，平时混混咖啡、酒吧，在外面吃个饭，打打球，唱个K什么的，足够了。

这个就是我来澳洲后体会的。
回国没有压力，混混日子多好啊。

无名草

原帖由 shangpin 于 2010-6-9 12:56 发表
1。钱放银行，利率永远追不上通涨，就是说，钱不不断在贬值。

2。利息除7除8，到你手是10万左右的人民币，在国内不好花，生活数质不高。

是呀，除非你现在已经七老八十了，什么事也做不了了。

chenyi1976

短期也许可以，长期肯定不行。。。通货膨胀，会让钱贬值掉。。。10年前能够买1万斤大米；10年以后，同样的钱你会发现只能买5千斤了。。。等你老了，就会发现，穷啊。。。买米都买不起了。

宋恩明

对对对，就短期，长期的话就辜负党和国家的多年培养了。
我向祖国人民保证，绝对不超过1年半载。

Gaoclub

I found this on ATO website

Australian resident living overseas temporarily
If you are an investment body such as a financial institution and you have Australian resident payees who temporarily live overseas, the amounts you pay to those payees are not subject to non-resident withholding tax if they:

advise you that they continue to be Australian residents
give you their tax file number (TFN) or Australian business number (ABN).
If they are Australian residents and have not provided their TFN or ABN, you must withhold tax at 46.5%.

hchen02

经过上面的讨论，彻底把我搞糊涂了

1。人不再澳洲，提供的是海外的地址，银行只扣10%的税（这个没有问题，我被扣过10%）
问题是我拿到的剩下的90%的利息，需不需要在澳洲申报收入，还需不需要再缴税？

2。如果我再银行存的期限是1年，存的时候再澳洲，1个月后回中国了，10个月后回来了，这个怎么算？还有如果我住了11个月，最后1个月回中国了，又怎么算？（太复杂了）

moth

原帖由 click 于 2010-6-9 14:58 发表
在国内如果有房子住，一年十万，我觉得即使是北京上海的地方，也能过挺舒服的日子。
只要不买奢侈品和大件，平时混混咖啡、酒吧，在外面吃个饭，打打球，唱个K什么的，足够了。

对头。
个人年收入税后10万，有房子住，即使在北京上海也能过满不错了。
说不够的人对生活质量要求也忒高了。

Gaoclub

For question 1,  i called ATO and i was told  you still need to lodge the income tax return even if the bank withhold 10% of your interest.

For question 2, see above information i found at ATO website, in this case, you are Australian resident living overseas temporarily. The bank will not withhold any money if you provide TFN and you lodge your income tax return at the end of year

WICLO_C

原帖由 Gaoclub 于 2010-6-9 16:55 发表
I found this on ATO website

Australian resident living overseas temporarily
If you are an investment body such as a financial institution and you have Australian resident payees who temporarily li ...

你知道你现在说的 “Australian resident living overseas temporarily” 还是说他是TAX REISDENT 吗？ 一旦你成为NON TAX RESIDENT 了，就只有 10% 了！
PR 并不代表你就是TAX RESIDENT！

[ 本帖最后由 WICLO_C 于 2010-6-9 17:29 编辑 ]

WICLO_C

原帖由 hchen02 于 2010-6-9 17:02 发表
经过上面的讨论，彻底把我搞糊涂了

1。人不再澳洲，提供的是海外的地址，银行只扣10%的税（这个没有问题，我被扣过10%）
问题是我拿到的剩下的90%的利息，需不需要在澳洲申报收入，还需不需要再缴税？

2。如果 ...

Q2 有不少公司的老板掐着日子，保证他们呆在澳洲的日子不超过 183 天 :)

Gaoclub

Is PR an Australian resident or not?  if yes, then this section--Australian resident living overseas temporarily will apply.

宋恩明

国内是不是有理财可以到5％的？要交多少税？到手有多少？
如果差不多就干脆把钱汇回国吃利息算了。

海空静云

国内现在澳元的理财半年期目前最高是6.2%年利息。但经常随着理财时间长短和世界利息水平的变化而变化。应该交5%的税收，但一般银行不代扣（有少数几次被银行代扣了5%，但一定是在理财协议的时候写上去了，如果不写一般不代扣），我做过应该有十几次这样的理财，从几年前的9.8%到去年最低的3.2%到现在最近的6.2%。基本蛮稳定的收益，在中国银行。
另外，如果有8万以上人民币的收益，我个人感觉应该生活的非常好了，而且是一家都可以生活得非常好的。我说得是在一般象南京这样的城市的基本生活。

宋恩明

经过大家的指点，我终于看到了混日子的光明前景。

stephenqiu

年底依然要申报，只是利息不算在assessable income里面（要提供海外住址，银行会预先扣除10%的withholding tax）。

如果没有其它所得，那么就没有其它税额要缴交，如果有其它所得，那么若在澳洲不超过183天，会依据Non-residents for tax purpose的29%税额计算，若没有提供TFN，则会以最高的46.5%计算。

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

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.

小巴

头顶三炷香~亲爱的RMB别涨啊，您千万别涨~万恶的澳刀啊，你该干嘛干嘛~

judyqianqian1

我在国内移民推介会时咨询过维洲前移民部长,他说,持有PR的人应该确保每年在澳洲的逗留时间要达到一半时间以上,不然就证明你不热爱这个国家,PR有可能要被取消的,太恐怖啦! 难道我理解错了吗?

linjun70

原帖由 click 于 2010-6-9 14:58 发表
在国内如果有房子住，一年十万，我觉得即使是北京上海的地方，也能过挺舒服的日子。
只要不买奢侈品和大件，平时混混咖啡、酒吧，在外面吃个饭，打打球，唱个K什么的，足够了。

我的亲身体会，有了孩子后，如果你还每月孝敬父母，即使没有房贷，在上海基本也要每月10000左右。我家就这样，小孩幼儿园，公立的比较好的幼儿园每月基本在1600-1800，双方父母每月各给1000，一个保姆1000，这些就是差不多5000了。还有水电煤物业电话手机宽带，这些也是根本没法省的费用有起码要1000。如果有辆车，更加多。我上个月算了算吓一跳，和一个无锡的朋友聊了聊，他回家一算，告诉我他在无锡每月也要8000多。

moth

原帖由 linjun70 于 2010-6-10 00:45 发表


我的亲身体会，有了孩子后，如果你还每月孝敬父母，即使没有房贷，在上海基本也要每月10000左右。我家就这样，小孩幼儿园，公立的比较好的幼儿园每月基本在1600-1800，双方父母每月各给1000，一个保姆1000，这些 ...

他说的是个人收入，并非家庭年收入啊。

frankielynna

原帖由 judyqianqian1 于 2010-6-10 00:09 发表
我在国内移民推介会时咨询过维洲前移民部长,他说,持有PR的人应该确保每年在澳洲的逗留时间要达到一半时间以上,不然就证明你不热爱这个国家,PR有可能要被取消的,太恐怖啦! 难道我理解错了吗?

你确认他真的是前移民部长，不是忽悠你的？
pr是永远有效的；RRV 不能满足5年里面住满2年，会有续不到的可能，但是你不出境就无所谓。怎么也扯不上1半这个概念，还是每年。
这个是政策，怎么扯到爱不爱这个国家的问题了。
看来我也可以做移民部长了，哈。