请问大家有没有给小孩在这里单独开户啊？

似是故人来

上次去问了HSBC说是小孩（PR)不能开户的。
本地银行的话，国内转钱给十几岁的小孩，是不是费用很高呢。
好像400多就要交税了，是不是先要给小孩申请税号呢，利息税是10%吗？
希望有知道的人解答

holdon

不会吧 老是从学校受到推介 鼓励小学生开户

holdon

commonwealth bank.

jinihong

没有这回事吧!

似是故人来

holdon 发表于 2013-5-2 17:51
commonwealth bank.

请问税怎么交啊，是不是也要申请税号，每年要给她报税那么麻烦啊

hr6970

有的，但要挂靠在家长名下，好像是过了十四还是十五岁就可以用孩子自己的名字。

holdon

似是故人来 发表于 2013-5-2 17:59
请问税怎么交啊，是不是也要申请税号，每年要给她报税那么麻烦啊

想用这个来避税？

holdon

holdon

Children under 18 years (‘minors’) are subject to special tax rules on their investment income. These rules were introduced to discourage people from investing in children’s names and accessing the lower marginal tax rates multiple times.

The special tax rules apply to what is called ‘unearned income’. This generally includes bank interest, share dividends and distributions from trusts where the asset is not legitimately owned by the child. An example of this would be where a parent establishes a $50,000 share portfolio in a child’s name.

holdon

How does it work?
The unearned income of minors, called ‘eligible taxable income’, is subject to the following special tax rates (note that the Medicare may also be payable):

Amount of eligible taxable income (per annum) Tax rate
$0 – $416            0 per cent
$417 – $1,307  66 per cent
$1,307+             45 per cent

Minors are also entitled to the ‘low income’ tax rebate of $1,200, meaning they can effectively receive $1,667 tax-free. Where the minor receives both excepted income and eligible taxable income the calculation is subject to other special rules.

郁闷

不用，拿护照就行，简单极了，没那么多事，给家里的每个孩子开一个账户，用利息买玩具

似是故人来

holdon 发表于 2013-5-2 18:03
想用这个来避税？

不是啊，是她爸爸想从国内直接打款给她比较方便，而且他们觉得这里的利息高，但我得把这里的情况都告诉人家啊，不然我帮着办一方面一次次的跑麻烦，到时候万一关系到报税什么的，我更要给人家解释清楚；我有钱肯定放在offset抵利息划算

似是故人来

holdon 发表于 2013-5-2 18:10
How does it work?
The unearned income of minors, called ‘eligible taxable income’, is subject to t ...

417以上要交67%的利息税？请问是这个意思吗？
我给的建议是，等孩子明年满14了，要打工了，就申请个税号，利息税也可以一起报了，不然报税多麻烦，请人报又贵，不值，谢谢啊

nsourire

holdon 发表于 2013-5-2 17:51
commonwealth bank.

这么缴税啊？

vind712

younth saving

privateercn

common worth可以开户的

天威MM

Commonwealth bank