投资房利息

vbcoco

买了一套投资房，银行存款80%。 打算用自住refinance 多出来的钱交残余的20%和stamp duty. 由于refinance还没搞好，就先用自住的offset钱交了10% 的deposit. 请问，到时分算利息时分，这个10%的利息仍是能够抵税的吧？会不会说由于这钱是offset出的，不是refinance出的，就自能按90%房价利息来抵税啊？

pi99

The answer is NO.

When you hold a loan account and an interest offset deposit account is attached to this account which reduces the interest payable on the loan, any subsequent withdrawal from the deposit account would not be considered a borrowing.

Even though amounts taken from the deposit account would increase the interest paid in relation to the loan, these funds simply represent your savings rather than borrowings.

Hence, no deductions would be available if the rental property is acquired using funds taken from your deposit/offset account.

pi99

那请问假如refinance的offset account有支票本，开了支票付10% deposit，能抵税吗？

肖飞

应该得你自住房房贷redraw出来的钱的利息才能够deduct
不外，貌似两套房子一同办存款，等房子settle时，假如投资房房贷是100%or105%，则投资房存款利息能够全抵扣，那末当初10%deposit的利息也就1～3个月，基本没多少钱，你就是得好好斟酌是不是值得现有自住房多还存款再redraw，由于这会影响到当前自住房转投资时，房子可抵扣的存款总数