Line of Credit vs Offset Account

ialienam

e...所以你到底是拿多少錢投資??

你不是說只拿$80k? 那當然就只有$80k能做tax deduction.

你當然不能拿$80k投資, 然後做退稅用$180k來...那當然不行.

xlin8703

原帖由 kuxxc 于 2012-4-4 15:32 发表
>Offset & LOC其實都只是一個product, 和能不能退稅 (tax deduction)是沒關.

It has everything to do with tax deduction. It depends on what you intend to do with the money. Choosing the right product also ...

Just wish to clarify there....

>Offset & LOC其實都只是一個product, 和能不能退稅 (tax deduction)是沒關. -----> I think the poster was intending to say that, neither offset nor LOC will be a determining factor in deciding if money taken out of the accounts are 'tax deductible'.......they are purely different financial product features.........

where you suggested the scenario that "
It has everything to do with tax deduction. It depends on what you intend to do with the money. Choosing the right product also ... [/quote]"...
The example you raised there is 'non-deductible' because it is not a LOAN, hence no interest can be claimed to offset the investment income, as you use your deposit in the offset account, you have simply used your EQUITY to fund the investment venture.........not debt

ialienam

Well said...much easier to understand than my previous posts.. Thanks.

LOC vs offset is NOT comparable really, it's like LOAN a/c vs Cheq a/c. At end of the day, ATO doesn't give a d... what product you use, it's all about what you use the funds for i.e. investment purpose or personal purpose.  

There are a lot of great posts on this forum about Offset vs Redraw, offset a/c is good only IF you want to convert your principal residence into an investment property later (& easier to access money than Redraw). Otherwise what LZ wants to achieve is very much doable with the redraw facility.

The best thing about LOC is that you can capitalise the interest payments

老佳美

把自己的钱先还进去,再RF出来投资就可抵税? 是不是?
例如:
自住房贷200K,OFFSET上有100K,如果用offset上的100K投资用,是不能抵税的.但自住房要付200K的利息.
如果把100K还到自住房贷款里,再重新RF,或增加贷款额到200K,分二账号,一个100K自住房,一个100K投资用.
这样是不是付200K的利息,但其中100K是可以抵税的.
谢谢

ialienam

對.

你自住房的$100k offset拿來做投資是不能抵稅 (當然你拿錢出來就是要付利息).

你可以先還回去你的loan account, 也不一定要refinance.. 其實就restructure也ok, 應該可以就直接分兩個accounts好方便以後做帳(當然還要看你的貸款是哪家, 用個產品等等). 這樣你那$100k只要是去投資就ok. 不過最好先問一下你的lender/broker確定瞭解一下你的產品, 如果可以間單直接做 那最好.. 要不然refinance多少還是要花點錢, 不一定划算.

不過我看你問了滿多相關問題, 老實說太多不同scenario, 這裡只是討論地方, 大家對你個人情況都不知道.. 真的要做退稅前最好還是要找相關專業人士針對你個人情況訊問.
當然這裡問是不用錢, 也相對懂的專業人士也不一定願意花時間來回答. 大家也都只能給一搬個人意見, 給的意見也不一定是適合你的情況. 所以後果當然要你自己負責

老佳美

原帖由 ialienam 于 2012-4-9 12:00 发表
對.

你自住房的$100k offset拿來做投資是不能抵稅 (當然你拿錢出來就是要付利息).

你可以先還回去你的loan account, 也不一定要refinance.. 其實就restructure也ok, 應該可以就直接分兩個accounts好方便以後做帳( ...

十分感谢!!