自住房Offset取錢投資 產生的利息可以抵稅?

pohen007

想請問一下大家,小弟有個自住房, refinance了以後多貸了幾十萬 原本想買房子 但是去年股票漲的太好 就把錢拿去買股票了.

想請問一下是不是如果把貸款的錢拿出去投資(沒放在Offset裡,所以產生了利息) 可以把多出來的利息這部分去抵銷股票所得的CGT?

謝謝

不多不少

当然不可能

LMLM

offset 干什么 不只是投资， 对应贷款产生利息 都可以 算成本

qqangela

我理解是，offset 里的钱，算你的钱，只不过银行给你的利息和你自主房利息一样，所以你的自主房利息就抵消了。
你拿你的钱去投资股票，并没有产生利息。
而你自主房的利息本来就不能抵税。

feony

gnefoaix

能不能抵税是看purpose
你的purpose是投资，可以抵税。
要放心找会计报税

ArmFeel

自住房如果有claim home office的话，利息是可以按比例来抵税的

skyhu713

ArmFeel 发表于 2021-9-2 20:09
自住房如果有claim home office的话，利息是可以按比例来抵税的

你好，如果仅仅作为home office的话，occupany costs（you can't claim occupancy expenses, such as rent, mortgage interest, water and rates）是不可以抵扣的。propery需要是一个place of business才可以。

ArmFeel

skyhu713 发表于 2021-9-2 20:18
你好，如果仅仅作为home office的话，occupany costs（you can't claim occupancy expenses, such as ren ...

谢谢分享，那如果是home studio可以咩，比如我在自己房子里做baby photography

skyhu713

有可能可以的，ato reference请看如下链接
https://www.ato.gov.au/Business/ ... #Occupancyexpenses1
Interest deductibility test
To pass the interest deductibility test, the area you have set aside in your home for your business must have the character of a place of business.

Indicators that an area of your home has the character of a place of business include that it's:

clearly identifiable as a place of business, for example, you have a sign identifying your business at the front of your house
not readily suitable or adaptable for private or domestic purposes
used exclusively or almost exclusively for carrying on your business
used regularly for visits by your clients.
Examples of businesses that may pass the interest deductibility test include:

hairdresser's home salon
caterer's home kitchen
photographer's home studio.

过了Interest deductibility test，就可以claim a deduction for occupancy expenses。
但是注意，如果作为place of business,卖房子的时候无法完全得到main residence exemption，如果房屋增值较多会有cgt的问题

fansheguang2

offset不行，但是redraw可以，具体搜素debt recycling

逆风而上

简单的说， 就是 offset 不行， redraw 可以。