财年马上就要结束了, 抓紧时间开first home saver account吧
原来恼人的存够4财年才能够用于买/建首套房的政策修改了, 现在可以在没有存够4年的时间内就可以买房,FHS账号内的钱也不需要充入SUPER, 可以把FHS账号内的钱在存够4年以后用来还贷款.
http://www.treasurer.gov.au/Disp ... Year=&DocType=0
Helping Australians Buy Their First Home By Increasing Flexibility of First Home Saver Accounts
The Government will help Australians trying to realise the dream of home ownership by allowing First Home Saver Account-holders more flexibility to buy their first home.
First Home Saver (FHS) Accounts provide a simple, tax effective way for Australians to save for their first home through a combination of government contributions and low taxes.
Currently, an FHS Account holder is required to keep their savings in an FHS account for four financial years before they are able to use those savings to buy a home. If the account holder buys a home prior to the end of that four year period, the balance of their FHS Account must be transferred to their superannuation so that it remains in a concessionally taxed environment.
To increase the flexibility of FHS Accounts and help Australians buy their first home sooner, the Government will allow savings in an FSA Account to be paid into an approved mortgage after the end of a minimum qualifying period, rather than requiring it to be paid to a superannuation account.
The Government will release draft amendments for consultation over the coming months.
The changes will apply for houses purchased after Royal Assent of the legislation giving effect to this change.
FHS Accounts will still offer all the existing concessions to help Australians buy their first home:
The Government contributes 17 per cent on the first $5,000 (indexed) of individual contributions made each year. That means an individual who makes a contribution of $5,000 to their FHS Account will be eligible for a Government contribution of $850.
There is a cap of $75,000 (indexed) on the overall FHS Account balance. If an individual reaches the cap, no further individual contributions can be made by the FHS Account-holder. However, the FHS Account interest earnings and outstanding government contributions will still be credited to the FHS Account after this time, allowing the account to continue to grow.
Individuals who are members of a couple will be able to pool their FHS Accounts to purchase a home together.
Earnings are to be taxed at 15 per cent and withdrawals will be tax free where they are used to purchase a first home.
This major improvement to First Home Saver Accounts will help Australians buy their first home sooner.
CANBERRA
11 May 2010
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这么好啊？不知道nab可以存么？
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这个只是提议，还没有执行吧？
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同问
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有点鸡肋的东西。
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这个到底执行了没有
我问了cba，说他们没有收到通知
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4年之后，我如果继续存，政府是不是继续17%补助我？还是说补助只是4年，之后就没了？
但是你去这个政府网站，这个计算器可以算到20年，是不是说4年以后只要你不买房，政府继续补贴你？
http://firsthomesaver.com.au/calculator/
[ 本帖最后由 ressul 于 2011-6-9 20:39 编辑 ]
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我觉得哪怕最后放到Super去也是划算的，Super也不能保证差不多每年20%的回报率。
大家讨论
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四年之后还有，但20%回报只是每年新存的5500，其余的钱只有利息。
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恩...快要多时间了
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好像还没执行
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ato的网站上有写了 应该2011年7月1日之后开始执行了
http://www.ato.gov.au/individual ... amp;page=16&H16
四年内买房子要30天内通知银行 然后在满足最小年份要求后可以付房贷或者养老金
只是买房子后不能再自己存钱了
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ATO网站上说年终计算LUMP SUM金额 那就是现在存也可以算一个财年吧?
按我的理解
现在存款 2010-2011年银行利率好象是5%基本拿不到 政府17% 总回报$935 相当于白赚吧?
2011-2012年 假设年末存入5500 收益=(5500+935)*5%+935= $1256.75 利率可以算22.8%?
2012-2013年 (11000+1256.75)*5%+935= $1547.8 利率大概14%
然后2013年7月一过就可以买房子抵消最后一年吧 或者继续存大概(16500+1547.8)*5%+935=$1837.39 利率大概11.1%
不知道我这样算对不对 肯定赶不上房价上涨 而且金额有限 不过对俺这样还买不起房的 倒是比光存银行利率高一些
[ 本帖最后由 Lezard 于 2011-6-27 17:25 编辑 ]
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差不多是对的, 但没算15%的利息税.
而且没必要年初存那5500, 因为银行saving帐户利息高一些
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If i am co contractor, can i use the pre-tax income for the contributions for First Home Saver Accounts?
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正解
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http://www.firsthomesaver.com.au/政策已经改了
Changes to First Home Saver Account scheme allowing early purchase became law on 25th May 2011.
First Home Saver Account rule changes are now active, allowing early purchasers to use the savings in their account towards their mortgage (after meeting the 4 years) rather than losing their first home savings to super.
This effectively means a FHSA holder can pay a deposit on their first home before meeting the four year rule, and have until settlement date to make further account contributions to maximise their account benefits. Once settlement takes place, no further contributions can be made but the four year rule must be met before their savings can be released and go towards their mortgage
[ 本帖最后由 love_nellie 于 2011-7-5 11:39 编辑 ]
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想问,如果4年内贷款买房,那么4年后就可以取出来还贷款了? 还是4年内不能买房,要4年后买才能动用?
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