要买第二套房子，第一套房子准备出租但贷款已还清，如何贷款可以未来退税

goodaobo

请教，在第一套房子已经贷款还清的情况下未来出租，要买第二套自住，需要办理贷款，怎样贷款能未来退税，谢谢

Lease

The basic principle is: sell first home to a company, let the company apply bank loan, preferably maximise the company loan. By this way, your 2nd home's loan(I assume your 2nd home has loan) has been successfully transferred to the first home(or transfer large portion of loan). As now your first home is a rental property, thus its loan interest is tax deductible.

数码通

Lease 发表于 2016-10-22 08:04
The basic principle is: sell first home to a company, let the company apply bank loan, preferably ma ...

这样操作 会不会被IRD认为是恶意逃税(tax avoidance)呢？

Lease

数码通 发表于 2016-10-22 10:12
这样操作 会不会被IRD认为是恶意逃税(tax avoidance)呢？

No, not at all, IRD has officially confirmed it's OK.

You can see this link: http://www.landlords.co.nz/ask-a ... tments-to-ltc-2781.

It stated: "IRD did issue a confirmation after the introduction of the LTC regime that a LTC could still be used to restructure someone's affairs when they were renting out a personal home and buying another."

goodaobo

谢谢，做第一套房子抵押贷款可以么

Lease

goodaobo 发表于 2016-10-22 11:38
谢谢，做第一套房子抵押贷款可以么

不行。 因为抵押贷出来的款是for 第二套房子的，即是for自住房的。 Loan Interest can not be tax deductible.

Robbi

不是三言两语说得清楚的。楼主有时间可以和我聊聊。详细和你说说怎么操作。
至于贷款，聊完之后要是想从我这儿做，我很开心，不想的话没关系，当交个朋友。

祝好运

Robbi

不是三言两语说得清楚的。楼主有时间可以和我聊聊。详细和你说说怎么操作。
至于贷款，聊完之后要是想从我这儿做，我很开心，不想的话没关系，当交个朋友。

祝好运

Lease

Robbi 发表于 2016-10-22 18:46
不是三言两语说得清楚的。楼主有时间可以和我聊聊。详细和你说说怎么操作。
至于贷款，聊完之后要是想从我 ...

原则其实就是我所说的这些。

至于具体操作， 确实需要贷款经纪，会计师， 估价师和律师全方位的介入。

Bombbaby3

您好，主要是贷款放在第一套房子上，然后第二套自住不抵押最好，抵押也在一家银行就好了

有需要可以联系我们，看能不能帮到您，谢谢