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本帖最后由 冰与火之歌 于 2025-4-1 21:57 编辑
这个帖子揭露人性了, 人只愿意去相信 自己想去相信的
即使很多人都说这样是不可以的,而且很详细,
仍然不少人相信一个胡说八道的id,还追着别人去请教
ato网站 case study "Zac and Lucy" 自己看看,要是这么点英文和逻辑关系 都理解不了,那就趁早歇菜
后面Tyler的case也可以一起参考
https://www.ato.gov.au/individua ... s/interest-expenses
Example: interest incurred on a mortgage for a new home
Zac and Lucy take out a $400,000 loan secured against their existing home to purchase a new home.
Rather than sell their existing home, they decide to rent it out.
They have a mortgage of $25,000 remaining on their existing home which is added to the $400,000 loan under a loan facility with sub-accounts – that is, the two loans are managed separately but are secured by the one property.
Zac and Lucy can claim a deduction for the interest charged on the $25,000 loan for their original home, as it is now rented out.
They can't claim a deduction for the interest charged on the $400,000 loan used to purchase their new home. Even though the loan is secured against their rental property, the property isn’t being used to produce income.
要是ato的正规英文 你看不懂,也可以去propertychat 看鬼佬写的科普,除了为什么不能claim,甚至还给了几个例子 应该怎么做,包括卖给trust,转给配偶等等(要付印花税)
比你在这里看几个胡说八道的id要强的多
https://www.propertychat.com.au/ ... st-place-out.51652/
Deductibility is determined by purpose - the 50k left on your loan was borrowed for purchasing your existing place. So if you rent out your existing place the interest on this loan will become deductible.
Any interest on money you borrow (or redraw on your existing loan - as this is treated the same as a new loan) to purchase a new place that you live in will not be deductible.
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