澳洲interest advance 税务问题

在澳大利亚税务




想请教一下,如果明年六月贷款利息一下子付了,就是interest advance,明年七月再报税拿回来,可以吗?我的会计说不行,一年只能报12个月的税,这样就是24个月了,是不行的。他说 对吗?

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interest is deductible when paid.
利息在哪个财政年度付 就在哪个年度里报

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For individual tax return, you could claim interest in advance if you have already actually paid your interest expenses for coming year. However, it normally will attract ATO audit by asking for the evidence of payment & possibly for others.

I think your accountant did not want to get into trouble with ATO by telling you that was not allowed.

Generally accountant only charged about $150 to $300 for an individual tax return with one rental property or two, or interest paid in advance for other investments. Accountant may not be able to charge clients more for the time involved if they were audited by ATO.



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Client could buy insurance by themselves.

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Do you think chinese clients will buy audit insurance every year?

May be there's is, but I have not seen yet.

Chinese clients always try to look for an accountant with the lowerest cost as possible.  

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别提低了

已经有两位做完放鸽子的

创纪录了

我打算直接扔给DEBT COLLECTION

人品不要,那我就让他信用也丢掉算了

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为什么不是现做现收钱?  个人退税我都是现做现收钱的,如果是第一次的话。。。。
做之前我都会说 :我的收费 比sts tax 贵很多。。你要不要仔细考虑?

对于interest advance,我直接明了我可以帮你做,但是你被审计的几率高达80%, tax return 地址全写你自己的。。
被审计到了,你自己解决。。审计我是要收费的。。额外200 刀哦。。

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60几块都要赖,那我没话好说。

每年都有赖的,无所谓了。

识货就行

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今年你又降拉? 记得去年你收77?  

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我去,基本的我就没上过70



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我今年涨了。。个人 无车抵扣从88涨到90。。。投资房+工资无车抵扣 从200 涨到220了。。。

今年开销各种涨啊。。咱不涨不行。。。。。

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列个黑名单吧

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I charged $110 to $165 (incl. GST) for normal tax return.
For the people with rental property, mv or CGT: From $330 - $880 (Incl. GST)

You all are charging so low.......how do you survive?



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Well done.

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我和你们一起声讨那些不付钱的。

太丢人了。  -- 祝他们下次遇到不付工资的老板 我太恶毒了。

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which section in income tax legislation or ATO ruling states this?

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section 忘记了。。但是 lodge tax return的时候 ,要在notes里面向ato说明是 interest paid advance,以此证明下个 财年利息会抵扣的的少很多。,。这样也是不会 被 audit的。。但是如果没有说明的话99.99%被 audit

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Thanks.

I think interest is deductible when it was incurred not when it was paid,

But if the interest is prepaid, the application of the prepayment rules must be considered.



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For individual tax return, yes. Based on cash basis.

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Prepayment rules are for entities, not for individuals who is not carrying business.

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这会计还不如我

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There is a specific question on the tax return that asks you whether the interest is prepaid and it allows you to claim that as a deduction.

For most individual taxpayers interest is derived when received.  
This is like determining the deviation of income but just the other way around.

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If the taxpayer is an individual, and the payment was not incurred in carrying on a business (i.e. the expense was incurred in deriving assessable income), the rules applicable to a small business entity apply (s. 82KZM ITAA 1936).

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http://www.ato.gov.au/Business/S ... r-prepaid-expenses/

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No. Some of my clients buy audit insurance.

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