有海外汇款又怕ATO查账的看进来，一劳永逸解决问题

humphreysang

nesta2008 发表于 2013-6-17 09:55
厉害。。专业贴。。全看完了。也不知道在说什么。

It is not that hard. Try to download the form I mentioned in the article, read it and you probably will have a general idea whether it could help you.

humphreysang

起个啥名呢 发表于 2013-6-17 10:05
没理解错误的话lz 的意思是在国内汇钱之前先在ato报个备案？

那在汇款单上注明“gift"或者”父母借款“还 ...

Personally, when I receive money from my parents, I will apply for ATO private ruling afterwards rather than in advance.

Firstly, without a real transaction, it is very hard for non-tax-professional taxpayers to get the idea clear in the ruling.

Secondly, you ruling will be null and void if ATO play dirty by claiming that the details of the real transaction is different from your description in your ruling beforehand.


Despite my new job, my experience and expertise were mainly on Taxation law rather than Tax compliance, though I am working in tax compliance now and gaining experience quickly. My article is trying to give Australian Chinese a big picture as to how ATO works and how far ATO could go and provide an low-cost alternative to taxpayers.

So I could not comment on what proof you need to substantiate that it is not your income.

Intuitively, my guts-fee is that merely adding some words to the description may not add much weight to your argument. In western law and finance, there is always a concept of "substance over form", so what one transaction essentially is could be quite different from what it is called.

kz168

学习了

渔妇

学习

humphreysang

安妮 发表于 2013-6-17 11:04
楼主，我父母如果带几万澳币过来，然后自己开户存在银行，银行利息一定要交46。5%的税吗？他们是申请的是vi ...

If you google, you will find from ATO website

You can apply for a tax file number (TFN) online only if you are currently in Australia and you have:

    a valid permanent migrant visa, or
    a valid visa with work rights, or
    a valid overseas student visa, or
    a valid visa allowing you to stay in Australia indefinitely.

My view is that your parents could not apply for TFN.


If my parents came here, they definitely would put their money into my bank account as I am the only child, which is the case for most young Chinese here in Sydney.

humphreysang

adelaide123 发表于 2013-6-17 12:32
同问。
我在别的国家几年前工作时存下的存款，汇过来澳洲用，需要加税吗？
我在别的国家已经交过税了。

Please refer to answer in Level #117.

At the end of the day, you can only do with what you have.  I hold the view that, more likely than not, even in the worst scenario, you won't be taxed too much as long as you are communicative and do your homework.

rocca2011

父母账户汇过来的钱是否还要说明钱的来源（父母是怎么获得这笔钱的）？

humphreysang

猪小妹 发表于 2013-6-17 12:35
请教LZ一个问题。移民前在国内购买的房产（现在是澳洲公民），卖出后的增值部分是否要在澳洲交CGT？ ...

Please refer to level #110, which happens to be a very special number in China.

mittag

记号 这个也许将来有用

humphreysang

dianfang 发表于 2013-6-17 12:57
请教一下lz
父母不是纳税居民，他们在澳洲的银行帐号会被ATO查吗？

Practically, I could not understand what is the purpose for non-residents to have savings in Australian bank accounts, the interest generated from which will be charged 46.5% non-TFN withholding tax.

anitaying

humphreysang

ronia 发表于 2013-6-17 13:52
现在妈妈过来照顾我怀孕住了一年，然后国内亲戚汇款给自己孩子时顺便把我妈妈给我儿子的钱也一起汇过来了， ...

I am sorry, it takes quite a while to understand your description even in Chinese. For multiple transactions with multiple accounts of an extended family, I suggest you contact your local accountant if necessary.

Personally, I recommend you should always be confident and polite when dealing with ATO as long as it is not some money from shares or properties under your name in China.

lee2267

humphreysang 发表于 2013-6-17 18:59
Practically, I could not understand what is the purpose for non-residents to have savings in Aust ...

只要提供海外地址就是10%

humphreysang

astina 发表于 2013-6-17 13:53
谢谢楼主分享有用信息。

在帖子里留联系方式不符合版规。我去除了。说一声。 ...

Thank you for your advice. Haven't been in any forum for years except qidian/zichen/sodu and the like.

I will bear in mind.

dhdaylily

没有一劳永逸的方法，最好的方法keep source records for 5 years. 这是你作为taxpayer的obligation.

humphreysang

alisawang 发表于 2013-6-17 13:57
我是真的没看懂，爸妈给的钱也要征税，是这个意思吗？凭什么呢？遗产税还是收入所得税？ ...

The concept is, any increase in your asset should be accounted for. It is the taxpayer rather than ATO to bear the burden of proof. ATO do not know or just pretend not to know that whether you have hidden some income-generating assets in China. Understandably they could not get much useful information from Beijing, so ATO could only hold Chinese Australian responsible for explanation.

刮胡刀

没必要那么复杂，汇钱过来买房太简单了，找律师做个借款合同

dianfang

humphreysang 发表于 2013-6-17 18:59
Practically, I could not understand what is the purpose for non-residents to have savings in Aust ...

打算父母其中一个在澳洲开个帐号，国内亲朋好友帮忙换汇后先汇到父母澳洲帐户，然后直接由父母帐号转到我的账号

这样就全是parents gift，否则亲朋海外转帐给我到时候怎么提供证据啊？

humphreysang

ilovefamily 发表于 2013-6-17 14:25
一个朋友最近刚被ato稽查。。。。。。。。要补税十几万。。。。。。。。
不过他家大boss出钱给请律师，要和 ...

Different bosses have different styles. It sounds like a vicious circle. The boss pisses off ATO every year, so ATO audits him every year and always find something suspicious, he in turn takes ATO to Tribunal even court and gets most money back, the bulk of which will be paid back to the lawyers, and ATO comes back next year.


I am pretty sure most businesses could not afford a bitter relationship with ATO.

humphreysang

gladant 发表于 2013-6-17 14:35
楼主的回答很专业。不过，我还是觉得这样的行动是否真有必要。诚如楼主所言，父母的收入在中国已经交了税 ...

I cannot agree with you more. Please refer to level #123.

humphreysang

righttang 发表于 2013-6-17 18:05
我基本理解了，其实这个适用与很多地方，比如说，你的parents办移民过来，申请offset,这个问题的争议也很多 ...

Thank you very much. I really appreciate your response. After answering so many queries, I even doubt whether my Chinese is still competent.

I am an accountant, and client's trust is everything for us. It will not take an accountant's career any further if I try to oversimplify a situation to give a quick answer (especially the resident test, the complexity of resident and source could be written into a paper for doctor degree), or to overcomplicate a situation to scare clients to use my service. Like the overseas transfer issue, honestly I was really shocked why so many posts in the forum. Just try to apply for a ruling yourself if you have nothing to hide.

Thank you again. I better get back to my work. Jewish bosses are nice only if you get your work done.

humphreysang

lee2267 发表于 2013-6-17 19:10
只要提供海外地址就是10%

Sorry, I forget the withholding rates for interest, dividend and royalties.

I think your cases are much more straightforward than other ones in terms of proof.

简简单单111

humphreysang 发表于 2013-6-17 19:13
If any issues, you can ask me on Oursteps or send message to me. I will see whether I can find ans ...

好的，昨晚我发了些问题，可能有点复杂 不好意思。 想问下，关于报税的，我直接打电话去ATO ，有人理么？通常来说。谢谢

fzds

mark

alisawang

那如果国内房产卖了之后的钱寄到澳洲来，然后此房并不是投资房，因为之前经常回国还要住在里面，要交税吗？

dedge

humphreysang 发表于 2013-6-17 19:17
The concept is, any increase in your asset should be accounted for. It is the taxpayer rather th ...

直接由父母在探亲时在澳洲本地银行开设账户，之后海外汇款全部汇入父母在澳账户，因为他们不属于澳洲税务居民，非澳洲税务居民的海外收入是不需要向ATO交税的，所以国内汇给他们名下的汇款就不需要向ATO解释来源了吧？如果需要解释也是父母的收入，这些证据远比拿出证明非自己的海外收入要容易。

之后由父母在澳账户以GIFT形式转入自己澳洲银行的账户以完成汇款买房的目的。如果ATO要查，澳洲本地银行间的转账记录可以清晰显示大额资金属于父母GIFT且来源明确属于父母在澳账户。

这样就不怕ATO查海外收入了吧？一切都是合法合理的。

123tnt123

学习了，谢谢分享

conant

感谢lz分享！就是lz的网站有点简陋~

lucky

gracejj

慢慢深入学习