PR回国，能靠吃澳币利息混日子吗？

宋恩明

受同志们启发：
设想PR回国，如果存澳币40万，如果一年内不到澳洲，是否可以靠澳洲银行利息在国内混日子，除去所有该交的税之外，能拿到多少？
有无实际操作案例。
请指教

注：不买房，不买生意，不买股票，期货，外汇，黄金等一切投资产品及相关衍生产品。

[ 本帖最后由 宋恩明 于 2010-6-9 13:05 编辑 ]

jedi_knight

现在定期6%算，那么你一年要自己先开销，然后才能拿到利息。

另外，存活期的话，大概5.8左右。。

你当然可以啦。。没什么不可以的，只要你的这些40万，能抵抗住通货膨胀，呵呵。

小茉莉

区别在于你在国内哪儿混什么样的日子

宋恩明

原帖由 小茉莉 于 2010-6-9 12:50 发表
区别在于你在国内哪儿混什么样的日子

就随便混啊，不考虑通货膨胀什么的，最好吃光用光，一年下来够利息Cover就好。

shangpin

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。

MJ0214

还不如买套房子，靠租金在国内混还实际点

宋恩明

几位，本人的意思是主要讨论下40万存银行扣除相关税后一年实际到手大概多少？
前提是一年或几年不入境澳洲。

Y叔

原帖由 宋恩明 于 2010-6-9 13:03 发表
几位，本人的意思是主要讨论下40万存银行扣除相关税后一年实际到手大概多少？
前提是一年或几年不入境澳洲。

40万本金，按6%利息算，1年2.4万，头6000不上税，剩下的1.8万交15%，实际收入2.13万。

dy59

宋秘书要回去混啦?

如果象海平那样, 估计没啥问题.

但, 如果找了个海藻, 俺看有点悬....



[ 本帖最后由 dy59 于 2010-6-9 13:18 编辑 ]

宋恩明

原帖由 dy59 于 2010-6-9 13:10 发表
宋秘书要回去混啦?

如果象海平那样, 估计没啥问题.

但, 如果找了个海藻, 俺看有点悬....

还没保暖怎么思英语啊？

晓风残星

哈哈哈哈哈哈哈哈哈～～～

9楼才油菜啦～～～～

hchen02

海外好像是只扣10%的税，统一的，我被扣过一次，不过存款没有那么多，另外谢谢搂主对我提出的问题的解答！

Gaoclub

In your case,  you are a non-resident for the full year, 29%  apply for every dollar you earn from you interest.

If the interest rate is 6%/ year and currency rate is 1A$=5.5 RMB, the actual moneny you get in hand will be RMB 93720/year.  

So it depends on where u will stay in China. If you stay in Beijing or Shanghai, your life will be just average level or even below, but if you stay in small cities in China, your life will be above average.

Another thing you have to pray is the interest rate and  currency rate stay high, if both, for example, drop to 4%/year and 3 RMB, the money you will get is RMB 34080 and You will cry in China and that amount of money can only pay the rent in Beijing or Shanghai. You might have to beg on the street of Beijing or Shanghai for your living expense. But do not worry, that is the worst situation. It might not happen.

[ 本帖最后由 Gaoclub 于 2010-6-9 13:37 编辑 ]

宋恩明

楼上RIGHT？
40W×6％＝2.4W利息－ATO分掉29％＝1.704W×5.5汇率＝93720RMB/year
目前得到结果就是
如果一年呆国内又不想干活只求混混日子的PR或公民实际得到的利息＝本金×银行利息再打个7折
那么1.704W还要作为收入再交税吗？按照6000以内不交税，以上交多少什么的算？
具体是银行扣，还是自己年终报税？

[ 本帖最后由 宋恩明 于 2010-6-9 13:51 编辑 ]

qqyang

我都说不是29%咯，你怎么那么固执啊？

qqyang

10%，银行帮你扣。

miss2yt

啊哈，原来钱都转到澳大利亚来了。估计海藻也转过来了吧。

宋恩明

原帖由 qqyang 于 2010-6-9 13:53 发表
10%，银行帮你扣。

可是有人说29％啊
我往最坏结果算啊

40W×6％＝2.4W－10％银行扣＝2.16w？
回国一年不用跟银行说？银行年底和出入境联网？银行统一扣？

qqyang

那个人是傻的。

Gaoclub

The interest you will get is from Australia source,such as the bank in Australia, and you also do not stay in Australia for full year. So for tax purpose, the personal tax rate apply to you is non-residient tax rate for the income from Austrailia source.  there is no 6000 tax free threshhold. The 29% will apply from 0-35000 for the year of 2010. You can check by yourself at www.ato.gov.au

qqyang

一定要跟我比，我昨天才考完。等一下，我找出来withholding tax得给你看，交个屁income tax.

WICLO_C

10% only for interest , not 29%.

goldenkiwi

最近国内地产不好，宋秘书回去没什么油水哦。

qqyang

http://www.ato.gov.au/taxprofess ... p=&st=&cy=1
01 Withholding tax from payments you make

If you pay interest, dividend or royalty payments to a non-resident of Australia; that is, someone who is not a resident of Australia, generally, the gross amount of each of those payments is subject to a final withholding tax rate of:

    * 10% for interest
    * 30% for dividends – fully franked dividends are not subject to withholding tax
    * 30% for royalties.

However, if the payment is made to resident of a country with which Australia has a tax treaty, you may be required to withhold less tax or no tax at all.

Tax treaties are special agreements that Australia has entered into with over 40 countries. The tax treaties prevent the same income being taxed more than once.

The reduced tax rate that applies under a tax treaty only applies if the recipient of the dividend, interest or royalty is both:

    * a resident of the particular tax treaty country, and
    * beneficially entitled to that income.

A non-resident of Australia can be an individual, company, partnership, trust or super fund.

znby

原帖由 ys98 于 2010-6-9 13:10 发表

40万本金，按6%利息算，1年2.4万，头6000不上税，剩下的1.8万交15%，实际收入2.13万。

还有medicare levy呢, 大概是收入的1.5%, 不过还有low income offset$1350, 实际上1.8万,并没全按15%收税

税大概是$2700-$1350+$360=$1710

qqyang

海外居民利息上的是10%的withholding tax，跟medicare levy完全无关。

小茉莉

原帖由 宋恩明 于 2010-6-9 12:55 发表


就随便混啊，不考虑通货膨胀什么的，最好吃光用光，一年下来够利息Cover就好。

那你去找个穷点的农村
租一块田
再雇几个人给你种田放羊放牛养鸡鸭猪鱼什么的

管保你一年下来的利息够cover
连隔壁村的黄花大闺女家的大妈
都家家是你老丈母娘

Dan.and.Andy

10W 人民币一年生活质量不高? 怎么算的?

click

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。

Gaoclub

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.

Withholding tax is different from income tax. For example, the withholding tax rate for the interest is zero if you are a resident. Does that mean you do not need to pay any income tax for the interest you earned?

[ 本帖最后由 Gaoclub 于 2010-6-9 17:40 编辑 ]