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我想应该是这样的。
You need to have two accounts:
1. home loan account with offset facility
2. business line of credit at home loan interest rate to pay for your business expenses where ATO accepts the interest is deductible.
you need to channel all of your income to your home loan offset account to reduce the undeductible interest expenses while using your business line of credit to pay off the business expenses. AS the interest on business loc is deductible, so after the tax return, the interest expenses will be discounted by 30% or 40% depending on your margining tax rate.
at the end, you will gradually increase your deductible business loan ratio while decrease the undeductible home loan ratio while keeping the total loan amount unchanged.
the concept of business LOC: you won't be charged any interest wuntil you start withdrawing down the loan. it is different from the single draw down loan which the amount needs to be drawn out to another account on the settlement date and the interest rate will kick start on the first day....
楼主有耐心慢慢看， 我打中文爆慢无比所以让楼主费神看啦。 |
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