求助：怎么样可以解决我的问题

skyrocket01

我几年前买了一个自主房，当时第一次付了房价的40%，然后我没有还 贷款，而是把闲钱都转到了offset 里面，现在我想重新买第二套大点房子，把现在的小点的房子出租。
我的问题是怎么样可以把当时第一次交的40%拿出来供第二套房子，同时还能享受税务上的优惠？我知道如果是redraw的话，我就不能享受税务上的优惠。 如果我换家银行，refinance， 那么我是不是就可以把40% 套出来了？
谢谢·！

东艺

refinance 的话那40% 也不行，你这种情况的话40%利息怎么样也抵不了， 所以说在买第一套自住房前要考虑好以后是否会作为投资房

skyrocket01

那就是说除非我卖掉。。。

megajet

现在房价大涨，卖掉也未必是一个坏的选择； 再买的时候可要提前想好了

Cramzhang

1. Call your bank to do a top up and say you want to borrow extra money for investment purpose, but up to 80%. Otherwise Mortgage insurance applies. You can also do Interest Only. Your bank will revalue your property and put the extra money into your offset account. Of course, there are some fees.
2. Buy the second property using the new borrowed money and your savings in your offset account. Maybe you need to do another loan.
3. Rent the first one out and put all your income and rent into your main house loan to pay it off quick and maxmize the investment account interest payment to max negative gearing.
Of course there is some other way to do this, say still using the same bank but set up two accounts, put both properties as security depending on which way you like.

Meng Zhang
Home Loan & Life Insurance Broker

东艺

原帖由 Cramzhang 于 2009-7-20 16:41 发表
1. Call your bank to do a top up and say you want to borrow extra money for investment purpose, but up to 80%. Otherwise Mortgage insurance applies. You can also do Interest Only. Your bank will reval ...

你这种方法是不可行的，你top up 以前的40% 再加上 新借的钱也就相当于你得到了line of credit. 即使你跟银行说你是用来投资用，但因为你是拿来买第二套自住房所以是不能抵税的，你当初是怎么想的以及你跟银行是怎么说的不重要，重要的是你的钱最后的用途。