2008-4-9 16:23
澳洲跑跑
TAX咨询贴。。。大家有问题随便问
1. 关于投资房产的退税理财计划
大家知道,投资房产,需要交增值税,虽然每年收入上亏损上可以让你拿回一部分退税,但是当你把你房子卖掉后,增值税交了不少。。。但在澳洲税法中,自已住的那套房产,卖掉后增值部分就可以不用交税。最重要的一点,你住满半年后就可以租出去了,可以当投资房了,然后可以获得更多退税,而且卖掉后不用交增值税。当然这个期限是6年,6年内,你的名下只有一个产权,卖出去后,仍然可以视为自已的唯一居住场所,免交增值税。
贷款买房,头6年利息是最大的,一方面这6年压力可以减小,可以拿回基本上30%的亏损, 另一方面房子每年8%的增值,保守估计。。。6年再卖出去,免于增值税。。。当然了,这是一个长期的投资,需要挑好地区和自已可以承受的价位,另外一方面增加自已短期的现金流,可以用于别的投资。
2.关于养老金的计划
请先大家看一下下面这段话,
If you pay tax on less than $58,980 a year and make an after-tax voluntary contribution to super, you may be eligible for the Government Co-contribution.
If you are eligible and within certain limits, for every dollar you put into your superannuation account, the Government will contribute up to $1.50, with a maximum co-contribution of $1,500.
The maximum co-contribution applies to people who earn $28,980 or less in a year and have made a contribution of at least $1,000 from their after-tax pay. It reduces by 5 cents for every dollar you earn over $28,980, phasing out completely once your income reaches $58,980.
Here's how to boost your super. Simply follow three steps (the following table uses a selection of income amounts):
Step 1 Step 2 Step 3
IF MY INCOME IS: THE MAXIMUM GOVERNMENT CO-CONTRIBUTION I CAN RECEIVE IS : TO RECEIVE THE MAXIMUM, I NEED TO MAKE A VOLUNTARY (AFTER-TAX) CONTRIBUTION BY 30 JUNE OF:
$28,980 or less $1,500 $1,000
$35,980 $1,150 $767
$40,980 $900 $600
$45,980 $650 $433
$50,980 $400 $267
$55,980 $150 $100
$58,980 $0 n/a
当你养老金的余额达到15000左右,可一考虑自我管理养老金,所需要的费用比交给大公司管理要低得多....最直接的方法是买股票,所赚的部分永远是15%的税率...
算是一种将来的赚钱方式,而上面的英文内容对于现在低收入的人群达到快速的养老金积累很有好处.....
2008-4-9 20:53
小KENNY
很不错....暂时没有问题...有的话会问的
2008-4-10 13:24
danielle
你可以这么想,华人交5000税,只拿回1000当然不够。ABC只交600税,能拿回500当然很开心。。。
2008-4-11 11:07
澳洲跑跑
Sorry, it is my mistake.
I mean the person who earn more than $35000
Chinese say why i pay 6000 tax, can i get 3000 dollar back...
Oz will say do i need pay some extra?
2008-4-11 12:10
danielle
oh well,,that oz must be very rich....
it's quite common sense that rich people pay less tax than poor, because, it's allowed to avoid tax legally. paying $6000 in tax of course is too much.
First $6000, tax free
$6001-21000,15%
$21001-$35000,30%
(very old figures from memory,,roughly)
which gives $5,550 in tax.
but this tax has not considered deductions, such as union, complusory uniforms, dependents, medicare,donations,etc..
$35000 is only low-med income earner..i would expect to get more tax return...:monkey2
2008-4-11 18:24
澳洲跑跑
Medicare after $1500 dollar u get 20c each dollar spending over $1500. Did u spend more than $1500 dollar a year? How old r u? $1500 must be out of pocket, which mean u spend $3000 dollar a year, and then each extra dollar u get 20c back?
who want to spend $4000 dollar medicare expense, $2000 out of pocket and just get 200 dollar back?
0----6000 tax free
6000-30000 15% tax
30001-75000 30% tax
Max low income rebate $600 dollar. when u earn 35000 dollar a year, just a little dollar rebate.
How many ppl has dependent? Do u want to one person earn 40000 a year, and wife doing nothing and get $1655 back? or both earn 40000 a year and total $80000?
Tax deduction? How much u will spend on ur work relate expense? transport expense?Study?
How much u spend? how much u get back?
Donations? How much u will donate do charity? 30 c back each dollar u donate!
Union? How many ppl want to join union? blue worker? white color?
Uniform? do u know what is definition for uniform? Actually , only a few type of works can qualify for uniform! Such as nurse, lawyer and bule worker becoz protective clothing.
do not think tax return based on the theory, think about how much you will spend.
Thank you ur advice...very good point
2008-4-11 23:20
LESTAT
楼主知不知道、在这边银行存定期,交的那个税是怎么算的
2008-4-11 23:21
满足2007
海外工作者如何交税?
海外工作超过180天,交纳中国税收后,再澳洲可以退税吗?到底怎么比较划算?
2008-4-12 12:04
澳洲跑跑
[quote]原帖由 [i]LESTAT[/i] 于 2008-4-11 23:20 发表 [url=http://bbs.ozchinese.com/redirect.php?goto=findpost&pid=2480782&ptid=150858][img]http://bbs.ozchinese.com/images/common/back.gif[/img][/url]
楼主知不知道、在这边银行存定期,交的那个税是怎么算的 [/quote]
按正常个人所得税交。。。
就是你赚了多少利息,就当赚了多少工资一样的。。。
收入加利息不超过10000,可以全退
不超过30000,高于10000这部分,每块钱交1毛5的税
高于30000,低于75000,这部分每块钱交3毛这样类推。。。
2008-4-12 12:08
澳洲跑跑
[quote]原帖由 [i]满足2007[/i] 于 2008-4-11 23:21 发表 [url=http://bbs.ozchinese.com/redirect.php?goto=findpost&pid=2480787&ptid=150858][img]http://bbs.ozchinese.com/images/common/back.gif[/img][/url]
海外工作超过180天,交纳中国税收后,再澳洲可以退税吗?到底怎么比较划算? [/quote]
你的情况我不清楚。。
是这边派你去中国还是你自已去的?
一般来说,你缴税的属foreign tax credit
属于一部分的TAX OFFSET
2008-4-13 21:08
灿然
澳洲新移民(现在还是PR),问个问题,
国内的存款汇过来以后,这笔钱是否需要打税呢?或者是不是需要申报免税啊?
如果国内还一直有收入,以后定期汇钱过来,这个是否需要考虑打税呢?
谢谢跑跑了!
2008-4-13 23:56
thomas
[quote]
原帖由 满足2007 于 2008-4-11 23:21 发表
海外工作超过180天,交纳中国税收后,再澳洲可以退税吗?到底怎么比较划算?
你的情况我不清楚。。
是这边派你去中国还是你自已去的?
一般来说,你缴税的属foreign tax credit
属于一部分的TAX OFFSET
[/quote]
不好意思,友情更正一下。如果是作为一个 雇员(employee)的工资收入,是不用在报税单上报的。因为是exempt.
前提有两个:
1 纳税人必须是 australian resident for tax purpose
2 海外工作超过 91 天,工作期间如有休假,休假不能超过总工作时间段的 六分之一。
这就是说,纳税人不需要申报此项收入,也不可能从澳洲政府把税退回来。
当然,还有很多特例和国与国之间双边条约的影响,需要纳入考虑范畴,不过一般这些跟中国没有多大联系。
2008-4-14 13:24
澳洲跑跑
To LS,
That is why i am saying it depends on personal circumstances.
It could be Australia Company send him to china for working purpose...Anyway, U r right, thank you
I do lots person working in Japan and Australia during the year, claim the income and tax paid for foreign tax credit purpose.
2008-4-14 13:28
澳洲跑跑
[quote]原帖由 [i]灿然[/i] 于 2008-4-13 21:08 发表 [url=http://bbs.ozchinese.com/redirect.php?goto=findpost&pid=2483947&ptid=150858][img]http://bbs.ozchinese.com/images/common/back.gif[/img][/url]
澳洲新移民(现在还是PR),问个问题,
国内的存款汇过来以后,这笔钱是否需要打税呢?或者是不是需要申报免税啊?
如果国内还一直有收入,以后定期汇钱过来,这个是否需要考虑打税呢?
谢谢跑跑了! [/quote]
If it is derived from foreign source, exempt income.
Do not worry about income from oversea.
But make sure the interest received in the bank here. U need pay tax on interest.
2008-4-16 18:19
澳洲跑跑
:monkey9 :monkey9 :monkey9 :monkey9 :monkey9
2008-4-17 12:11
danielle
[quote]原帖由 [i]澳洲跑跑[/i] 于 2008-4-11 18:23 发表 [url=http://www.ozchinese.com/bbs/redirect.php?goto=findpost&pid=2480254&ptid=150858][img]http://www.ozchinese.com/bbs/images/common/back.gif[/img][/url]
Medicare after $1500 dollar u get 20c each dollar spending over $1500. Did u spend more than $1500 dollar a year? How old r u? $1500 must be out of pocket, which mean u spend $3000 dollar a year, ... [/quote]
友情说明一下。(楼主好像不太爽有人提出质疑的样子。。。)
ls 第一部分的说明在偶的贴可没有提到。medicare 的levy 是30000 以上才开始收,如果你没有私人保险的话。
lower income rebate 也不用我们自己算。ato 自己算的,不在我的考虑范围之内。
tax deduction:complusory 的 uniform 是可以claim 的,就像coles,要自己买的,可以claim。除非公司免费发给你。
如果你是cpa,又是跟会计有关的工作,你所有会计相关工作的cpa 费用都可以claim.
union: retail 的鬼佬大公司多有union,union fee is shown on the group certificate and is deductible.
donation: any donation more than $2 in one transaction can be deductible. but invoice and receipts required.
To clarify my points, of course every case is different, but there are actually a lot of things you can notice for tax deduction, rather than simply saying no, you are not allowed to deduct your uniform because you are neither a lawyer nor a nurse. I'm just pointing to you that these are the basic points you can look at for overseas students as most of them are working in retail industry, accounting industry.
I just want to say that I'm pretty sure you are not the only one can do tax return here. It is highly appreciated if you listen to other people's points and be a little bit polite.
2008-4-17 20:19
澳洲跑跑
看来多说无意。。。
请你查一下吧,医疗费用从多少收入还是收取1.5% 的所得收入。如果是30000,那太好了。
突然发现我说的是TAX OFFSET,你竟然和我说MEDICARE LEVY的收取标准。。。
谢谢你的顶贴。。。谢谢
2008-4-18 20:43
thomas
各位不要争了,以和为贵。
2008-4-18 21:43
澳洲跑跑
同行。。。哈哈
2008-4-20 00:43
q42271415
最近找了一份清洁工作 要自己ABN报税的
算一下一年也就赚10000左右吧 到没到报税额度??还是不管赚多少都要报税?
本人
还在上学 如果赚的少不用交税就把钱分别打两个卡里
谢谢楼主 对这东西一点不懂
2008-4-20 18:56
peter_c_s
how to get tax back?
Hi:
I am working as a full time employee. Could you tell me is there any way to get some tax back?
mob:0450311848
Thanks
Peter
2008-4-20 20:37
澳洲跑跑
[quote]原帖由 [i]q42271415[/i] 于 2008-4-20 00:43 发表 [url=http://bbs.ozchinese.com/redirect.php?goto=findpost&pid=2494837&ptid=150858][img]http://bbs.ozchinese.com/images/common/back.gif[/img][/url]
最近找了一份清洁工作 要自己ABN报税的
算一下一年也就赚10000左右吧 到没到报税额度??还是不管赚多少都要报税?
本人
还在上学 如果赚的少不用交税就把钱分别打两个卡里
谢谢楼主 对这东西一点不懂 [/quote]
只需要申报一下就可以了。。。税是不用交了。。
2008-4-20 20:39
澳洲跑跑
[quote]原帖由 [i]peter_c_s[/i] 于 2008-4-20 18:55 发表 [url=http://bbs.ozchinese.com/redirect.php?goto=findpost&pid=2496085&ptid=150858][img]http://bbs.ozchinese.com/images/common/back.gif[/img][/url]
Hi:
I am working as a full time employee. Could you tell me is there any way to get some tax back?
mob:0450311848
Thanks
Peter [/quote]
取决于你的最后年收入和交税情况。。。
你可以给你老婆存一点养老金减税,或是投资买房,买股票。。。方法有很多种,还有一下工作相关的费用可以申报,帮助拿来更多的税回来。。
2008-5-4 13:13
澳洲跑跑
:monkey1 :monkey1 :monkey1 :monkey1 :monkey1
2008-5-5 12:45
小KENNY
对于鬼老也好,华人也好,一般来说打工的人能退回来的实在不多的,除非他有自己的生意,那种很多是不缴税的......我们叫合法避税:monkey16
2008-5-6 05:17
BAGUETTE
想问一下楼主,老婆不做事,外带一个小孩。。年收入将会是20万澳币税前,实际到
手是多少呢?THANKS
2008-5-6 11:58
澳洲跑跑
[quote]原帖由 [i]BAGUETTE[/i] 于 2008-5-6 05:17 发表 [url=http://www.ozchinese.com/bbs/redirect.php?goto=findpost&pid=2507903&ptid=150858][img]http://www.ozchinese.com/bbs/images/common/back.gif[/img][/url]
想问一下楼主,老婆不做事,外带一个小孩。。年收入将会是20万澳币税前,实际到
手是多少呢?THANKS [/quote]
The tax amount around $73500 if u have purchase private health insurance, otherwise u need pay 1% of $200,000 of medicare levy surcharge.
If ur wife did not get family benefit payment for centrelink, u can get 1655 dollar offset from ur spouse offset.
But if u have work relate expense, or investment,u can claim the expense and decrease ur tax bill
2008-5-6 17:35
BAGUETTE
[quote]原帖由 [i]澳洲跑跑[/i] 于 2008-5-6 11:58 发表 [url=http://www.ozchinese.com/bbs/redirect.php?goto=findpost&pid=2508106&ptid=150858][img]http://www.ozchinese.com/bbs/images/common/back.gif[/img][/url]
The tax amount around $73500 if u have purchase private health insurance, otherwise u need pay 1% of $200,000 of medicare levy surcharge.
If ur wife did not get family benefit payment for ce ... [/quote]
[align=left]&[font=MS Song]谢谢。。[/align][align=left]那小孩没有任何[/font]tax benefit[font=MS Song]的吗?[/align][align=left]那个[/font]$1655[font=MS Song]是直接从税收里面扣,还是从税前里面扣啊?[/align][align=left]还有[font=MS Song]如果只是固定[/font]薪水的话,会有怎样的[/font]work-related expenses[font=MS Song]呢?[/font][/align][font=MS Song][font=MS Song]还有这个[/font]7[font=MS Song]万多是不是这个工资应该交的最[/font]max[font=MS Song]的税了?
[/font]万分多谢
[/font]
2008-5-6 23:49
澳洲跑跑
如果你拿了孩子的BENEFIT,你就没有$1655返还。。。
¥1655时作退税时退回来的。。。
工作相关费用比如作IT德人买笔记本电脑,这个就算工作相关的费用
7万多是最高了,前提你买了私人健康保险
2008-5-7 18:53
BAGUETTE
谢谢。。
除了买房投资外,还有什么是可以减低税额的呢?
那教养老金有没有限额的?
是不是放多少都可以呢?
是在税前放的吧?
还有如果是工作签证的人士,
几年后要离开澳洲的时候,
养老金可以拿走吗?那部分要交税吗?
2008-5-8 18:11
benny_hz
请问楼主是否是sydney 开业的accountant? 有没有联系方式?
谢谢
2008-5-8 21:03
澳洲跑跑
[quote]原帖由 [i]benny_hz[/i] 于 2008-5-8 18:11 发表 [url=http://www.ozchinese.com/bbs/redirect.php?goto=findpost&pid=2512407&ptid=150858][img]http://www.ozchinese.com/bbs/images/common/back.gif[/img][/url]
请问楼主是否是sydney 开业的accountant? 有没有联系方式?
谢谢 [/quote]
我在墨尔本,但一半客户在悉尼。。。如果你有兴趣,我可以给你联系方式。。。
2008-5-8 21:05
澳洲跑跑
[quote]原帖由 [i]BAGUETTE[/i] 于 2008-5-7 18:53 发表 [url=http://www.ozchinese.com/bbs/redirect.php?goto=findpost&pid=2510483&ptid=150858][img]http://www.ozchinese.com/bbs/images/common/back.gif[/img][/url]
谢谢。。
除了买房投资外,还有什么是可以减低税额的呢?
那教养老金有没有限额的?
是不是放多少都可以呢?
是在税前放的吧?
还有如果是工作签证的人士,
几年后要离开澳洲的时候,
养老金可以拿走吗? ... [/quote]
养老金有好几种,但是如果你不是sole trader, 给自已放养老金不可以达到减税目的, 除非你老板给你选择,叫牺牲工资,这样你拿到手上钱少了,税也少交了,都去你养老金了。不过给你太太放一点是可以的,还有数目当然有限制,根据年林段。
签证结束后可以拿走养老金
2008-5-12 16:25
澳洲跑跑
Update
2008-5-16 09:38
dunklowpro
请问什么时候可以申请退税?需要什么手续?填什么表格?
2008-5-16 21:27
澳洲跑跑
6月30以后可以退税,
你可以找会计师,或是去澳洲税务局网站下载退税软件自已做,如果你会的话。
2008-5-17 23:37
dunklowpro
谢谢哈,我自己做好了,因为退的税很少,请会计师我还得倒贴。。。。。。
2008-5-18 01:05
teil
请问楼主 澳洲学生能不能注册公司 有什么条件和要求?
税额达到多少以后可以申请移民?
2008-5-18 01:06
teil
请问楼主 澳洲学生能不能注册公司 有什么条件和要求?
税额达到多少以后可以申请移民?
2008-5-18 14:04
澳洲跑跑
以股东身份注册就可以了。。没有条件要求,谁都可以
至于移民,一年营业额25万就可以了
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