Dau tu bat dong san Uc: negative gearing, capital gains va

Bat dong san la khoan dau tu pho bien nhat cua nguoi Uc nhung khong phai ai cung hieu ro rui ro.

Negative gearing va CGT discount la 2 chinh sach thue anh huong lon den loi nhuan thuc te.

Tóm tắt nhanh

• Negative gearing: lo cho thue duoc tru vao thu nhap chiu thue.
• CGT discount 50%: chi ap dung neu giu tai san > 12 thang.
• Chi phi an: strata, rates, bao hiem, quan ly bat dong san.
• Loi suat cho thue gross tai Sydney/Melbourne ~3–4% — thap hon lai vay.

Negative gearing la gi?

Khi chi phi so huu (lai vay, bao hiem, sua chua) cao hon thu nhap cho thue, ban bi lo — loss nay duoc tru vao thu nhap chiu thue khac.

• Ap dung cho: Nha cho thue, co phieu vay mua
• Loi ich: Giam thue trong nam lo
• Rui ro: Van lo that su neu gia nha khong tang du

Rui ro va chi phi an khi dau tu nha

• Strata levy: $1.000–$10.000+/quy cho unit/apartment
• Land tax neu so huu dau tu (khac nha o chinh)
• Quan ly cho thue: 7–10% tien thue
• Tro trong 4–8 tuan moi nam lam mat thu nhap
• Sua chua dot xuat: may nuoc nong, dieu hoa...

Câu hỏi thường gặp

CGT discount 50% hoat dong the nao?

Neu giu tai san > 12 thang truoc khi ban, chi 50% lai von tinh vao thu nhap chiu thue.

Nguoi PR co duoc mua nha dau tu Uc khong?

Co. Nguoi PR duoc mua tu do nhu cong dan Uc. Nguoi co visa tam thoi can xin phep FIRB.

Khong phai tu van tai chinh. Tham khao financial adviser co dang ky ASIC truoc khi dau tu.

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