{"id":682,"date":"2018-06-15T02:23:01","date_gmt":"2018-06-14T16:23:01","guid":{"rendered":"https:\/\/mnygroup.wpengine.com\/?p=682"},"modified":"2025-02-01T15:35:56","modified_gmt":"2025-02-01T04:35:56","slug":"%e7%94%a8%e5%85%bb%e8%80%81%e9%87%91%e4%b9%b0%e6%88%bf%e5%90%88%e6%b3%95%e7%9c%81%e7%a8%8e%e5%8f%88%e5%ae%89%e5%bf%83%ef%bc%81","status":"publish","type":"post","link":"https:\/\/mnygroup.com.au\/zh-hans\/%e7%94%a8%e5%85%bb%e8%80%81%e9%87%91%e4%b9%b0%e6%88%bf%e5%90%88%e6%b3%95%e7%9c%81%e7%a8%8e%e5%8f%88%e5%ae%89%e5%bf%83%ef%bc%81\/","title":{"rendered":"\u7528\u517b\u8001\u91d1\u4e70\u623f\u5408\u6cd5\u7701\u7a0e\u53c8\u5b89\u5fc3\uff01"},"content":{"rendered":"<h2><strong>\u9996\u6b21\u7f6e\u4e1a\u517b\u8001\u91d1\u5b58\u6b3e\u4f53\u7cfb\uff08FHSS Scheme &#8211; First Home Super Saver Scheme\uff09<\/strong><\/h2>\n<p>\u5982\u679c\u60a8\u8ba4\u4e3a\u60a8\u7684\u517b\u8001\u91d1\u53ea\u80fd\u7528\u4e8e\u9000\u4f11\u751f\u6d3b, 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\u53ef\u4ee5\u4e0d\u53d7\u8bb8\u591a\u5e38\u89c4\u9650\u5236\u5730\u5c06\u552e\u623f\u6536\u76ca\u4f9b\u8fdb\u5176\u517b\u8001\u91d1\u8d26\u6237\u3002<\/p>\n<p>\u6b64\u517b\u8001\u91d1\u65b0\u653f\u5c06\u4e8e2018\u5e747\u67081\u53f7\u5f00\u59cb\u6b63\u5f0f\u5b9e\u65bd\uff0c\u6211\u4eec\u4eca\u5929\u4f1a\u89e3\u8bfb\u4e00\u4e0b\u8fd9\u4e2a\u65b0\u653f\uff0c\u4ee5\u53ca\u4e3a\u60a8\u5206\u6790\u5229\u4e0e\u5f0a\u3002<\/p>\n<h4><\/h4>\n<h2><strong>\u65b0\u653f\u6709\u54ea\u4e9b\u8981\u6c42\u5462\uff1f<\/strong><\/h2>\n<ul>\n<li>18\u5468\u5c81\u4ee5\u4e0a\uff0c\u5728\u6fb3\u6d32\u4ece\u672a\u62e5\u6709\u623f\u4ea7\uff08\u5305\u62ec\u81ea\u4f4f\u623f\uff0c\u6295\u8d44\u623f\uff0c\u5546\u7528\u623f\u4ea7\u6216\u5408\u4e70\uff09<\/li>\n<li>\u8fc7\u5f80\u4ece\u672a\u8981\u6c42\u517b\u8001\u91d1\u91ca\u653e\u8fc7FHSS\u4f9b\u6b3e<\/li>\n<li>\u60a8\u7684\u517b\u8001\u91d1\u53ef\u4ee5\u63a5\u53d7FHSS\u4f9b\u6b3e<\/li>\n<li>\u81ea\u7ba1\u517b\u8001\u91d1\uff08Self-Management Super Fund\uff09\u9700\u786e\u4fdd\u4fe1\u6258\u5951\u7ea6( super deed)\u6709\u76f8\u5e94\u6761\u6b3e\u5141\u8bb8\u5176\u5728\u6b64\u653f\u7b56\u4e0b\u63d0\u6b3e<\/li>\n<li>FHSS\u4e0d\u80fd\u7528\u4e8e\u8d2d\u4e70\u8239\u5c4b\uff0c\u623f\u8f66\uff0c\u7a7a\u5730\uff0c\u4ee5\u53ca\u4efb\u4f55\u4e0d\u9002\u7528\u5c45\u4f4f\u7684\u5730\u65b9<\/li>\n<\/ul>\n<p>\u4ece2017\u5e747\u67081\u53f7\u8d77\uff0c\u9996\u6b21\u7f6e\u4e1a\u8005\u53ef\u5bf9\u517b\u8001\u91d1\u8fdb\u884c\u81ea\u613f\u6027\u7684\u7a0e\u524d\u4f9b\u6b3e\uff08\u4f8b\u5982\u4e0e\u96c7\u4e3b\u534f\u8bae\u7684\u85aa\u91d1\u727a\u7272salary sacrifice\uff09\u6216\u7a0e\u540e\u4f9b\u6b3e\uff0c2018\u5e747\u67081\u53f7\u540e\u53ef\u4ee5\u53d6\u51fa\u3002\u6bcf\u4eba\u6bcf\u5e74\u4f9b\u6b3e\u4e0a\u9650$15,000\u6fb3\u5143\uff0c\u603b\u4e0a\u9650$30,000\u6fb3\u5143\u3002<u>\u4f46\u662f\u8981\u6ce8\u610f\uff0c\u96c7\u4e3b\u652f\u4ed8\u7684\u5f3a\u5236\u4fdd\u969c\u517b\u8001\u91d1\uff08<\/u><u>super guarantee<\/u><u>\uff09\u662f\u4e0d\u5141\u8bb8\u88ab\u53d6\u51fa\u7684\u3002<\/u><\/p>\n<h4><\/h4>\n<h2><strong>\u90a3\u4e48\u4f7f\u7528\u517b\u8001\u91d1\u9996\u6b21\u7f6e\u4e1a\u6709\u4ec0\u4e48\u5229\u4e0e\u5f0a\uff1f<\/strong><\/h2>\n<p>FHSSS\uff08\u9996\u6b21\u7f6e\u4e1a\u517b\u8001\u91d1\u5b58\u6b3e\u4f53\u7cfb\uff09\u53ef\u4ee5\u5e2e\u52a9\u4f5c\u4e3a\u9996\u6b21\u7f6e\u4e1a\u8005\u7684\u60a8\u5b58\u50a8\u9996\u4ed8\uff0c\u540c\u65f6\u80fd\u4e3a\u60a8\u4f18\u5316\u7a0e\u52a1\u548c\u517b\u8001\u91d1\u6536\u76ca\u3002<\/p>\n<p>FHSSS\u7684\u6700\u5927\u4f18\u70b9\u5728\u4e8e\u5b83\u6240\u5e26\u6765\u7684\u7a0e\u52a1\u4f18\u60e0\u3002\u5c24\u5176\u5bf9\u4e8e\u9ad8\u6536\u5165\u7eb3\u7a0e\u4eba\uff0c\u5e76\u4e0d\u9700\u8981\u771f\u6765\u7528\u8fd9\u7b14FHSS\u4f9b\u6b3e\u4e70first home\uff0c \u8fd8\u53ef\u4ee5\u53d6\u51fa\u6765\u540e\uff0c\u5728\u4e00\u5e74\u5185\u91cd\u65b0\u518d\u4f9b\u6b3e\u7ed9\u81ea\u5df1\u7684\u517b\u8001\u91d1\u3002\u4e5f\u5c31\u662f\u8fd0\u7528\u7a0e\u51cf\uff0c\u6765\u83b7\u5f97\u6bd4\u5b58\u5b9a\u5b58\u66f4\u9ad8\u7684\u6536\u76ca\u3002<\/p>\n<p>\u53e6\u5916\uff0c\u53ef\u9009\u62e9\u7a0e\u524d\u4f9b\u6b3e\uff0c\u4e5f\u5c31\u662f\u60a8\u4e0d\u4e0a\u7a0e\uff0c\u517b\u8001\u91d1\u630915%\u4e0a\u7a0e\uff0c\u4efb\u4f55\u751f\u6210\u6536\u76ca\u4e5f\u630915%\u7f34\u7a0e\u3002\u57fa\u672c\u6765\u8bf4\uff0c\u5982\u679c\u60a8\u7684\u51c0\u6536\u5165\u9ad8\u4e8e\u4e24\u4e07\u5c0f\u51fa\u5934, \u60a8\u7684\u4e2a\u4eba\u7a0e\u7387\u5c31\u9ad8\u4e8e15%\u4e86\uff0c\u6240\u4ee5\u7a0e\u524d\u4f9b\u6b3e\u662f\u5f88\u5408\u9002\u7684\u3002<\/p>\n<p>\u53e6\u4e00\u4e2a\u4f18\u70b9\u662f\uff0c\u592b\u59bb\u4e24\u4eba\u53ef\u4ee5\u540c\u65f6\u4f7f\u7528\u8fd9\u4e2a\u673a\u5236\uff0c\u90a3\u4e48\u53ef\u4ece\u517b\u8001\u91d1\u91ca\u653e\u4e0a\u9650\u589e\u52a0\u81f3$60,000\u6fb3\u5143\u3002<\/p>\n<p>\u5f53\u60a8\u51c6\u5907\u8981\u4e70\u623f\u5b50\u65f6\uff0c\u60a8\u9700\u8981\u5411\u7a0e\u52a1\u59d4\u5458\u4f1a\uff08Commissioner of Taxation\uff09\u63d0\u4ea4\u7533\u8bf7\uff0c\u83b7\u5f97\u9996\u6b21\u7f6e\u4e1a\u6700\u9ad8\u63d0\u53d6\u91d1\u989d\u88c1\u5b9a\u540e\uff0c\u5373\u53ef\u53d6\u51faFHSS\u4f9b\u6b3e\u548c\u63a8\u5b9a\u6536\u76ca\uff0c\u6765\u652f\u4ed8\u9996\u6b21\u7f6e\u4e1a\u7684\u5b9a\u91d1\u3002\u8fd9\u7b14\u91d1\u989d\u4f1a\u4ee5\u60a8\u7684\u8fb9\u9645\u7a0e\u7387\uff08Marginal tax rate\uff09\u51cf30%\u7684\u7a0e\u52a1\u62b5\u6263\uff08Tax offset\uff09\u6765\u7f34\u7a0e\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>\u6848\u4f8b\u5206\u6790<\/strong><\/h2>\n<p>1. \u57282018\u8d22\u5e74\uff0cLucy \u5e74\u85aa\u4e3a$100,000, \u5979\u7684\u96c7\u4e3b\u652f\u4ed8\u7ed9\u5979$9,500 \u7684SG contributions (9.5% super guarantee)\u3002\u53e6\u5916\u5979\u4e0e\u96c7\u4e3b\u8fbe\u6210\u85aa\u91d1\u727a\u7272\u534f\u8bae\uff08salary sacrifice arrangement \uff09\uff0c\u6bcf\u6708\u4f9b\u6b3e\u5de5\u8d44\u4e2d\u7684$1,000 \u5230\u81ea\u5df1\u517b\u8001\u91d1\u8d26\u6237\u3002 \u5e76\u4e14\u5979\u518d\u6bcf\u5e74\u4f9b\u6b3e $12,000 \u5230\u81ea\u7ba1\u517b\u8001\u91d1\uff08SMSF\uff09\u3002\u4e8e2018\u5e746\u670818\u65e5, Lucy \u53c8\u518d \u4f9b\u4e86 $5,000 Concessional Contribution\u5230\u5979\u7684\u81ea\u7ba1\u517b\u8001\u91d1\u5e76\u5728\u4e2a\u4eba\u5e74\u5ea6\u62a5\u7a0e\u4e2d\u7533\u8bf7\u4e86\u7a0e\u52a1\u62b5\u6263\u3002<\/p>\n<p>\u5979\u7684\u603b\u517b\u8001\u91d1\u4f9b\u6b3e\u4e3a:<\/p>\n<p>SG Employer Contributions $9,500<\/p>\n<p>\u85aa\u91d1\u727a\u7272\uff08Salary Sacrifice Contributions\uff09 $12,000<\/p>\n<p>\u53ef\u62b5\u7a0e\u8d21\u732e\u91d1\uff08Concessional Contribution \uff09$5,000<\/p>\n<p>\u603b\u8ba1 $26,500<\/p>\n<p>&nbsp;<\/p>\n<p>\u53ea\u6709$12,000\u7684\u85aa\u91d1\u727a\u7272\u548c$5,000\u53ef\u62b5\u7a0e\u8d21\u732e\u91d1\u91cc\u7684\u5176\u4e2d$3,000 \u53ef\u4ee5\u4f5c\u4e3a \u603b\u8ba1\u6bcf\u5e74$15,000\u7684FHSSS\u4f9b\u6b3e\u3002<\/p>\n<p><strong>\u90a3\u5c31\u610f\u5473\u7740\uff0cLucy\u53ef\u4ee5\u7533\u8bf7\u91ca\u653e\u8fd9$15,000\u768485% \u4e5f\u5c31\u662f $12,750 \u52a0\u4e0a\u63a8\u5b9a\u6536\u76ca\uff0c\u6765\u652f\u4ed8\u5979\u9996\u6b21\u7f6e\u4e1a\u7684\u5b9a\u91d1\u3002<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>2. \u6839\u636e\u653f\u5e9c\u8d44\u8baf\uff0c\u4ee5\u5e74\u6536\u5165\u4e3a$70,000\u6fb3\u5143\u4e3a\u4f8b\uff0c\u4ee5\u85aa\u91d1\u727a\u7272\uff08salary sacrifice\uff09\u7684\u65b9\u5f0f\u6bcf\u5e74\u5411\u517b\u8001\u91d1\u4f9b\u5165$10,000\u7684\u7a0e\u524d\u6536\u5165\uff0c\u4e09\u5e74\u540e\uff0c\u53ef\u7528\u4e8e\u8d2d\u623f\u5b9a\u91d1\u7684\u603b\u50a8\u84c4\u53ef\u8fbe\u7ea6$25,892\u6fb3\u5143\uff0c\u8fd9\u6bd4\u5b58\u6b3e\u5230\u666e\u901a\u5b9a\u671f\u8d26\u6237\u4e0a\u591a$6,210\u6fb3\u5143<\/p>\n<p>\u5f53\u7136\uff0c\u76f8\u5bf9\u4e8e\u4e09\u5e74\u4e0b\u6765\u591a\u51fa\u7684$6,210\u6536\u76ca\uff0c\u6211\u4eec\u8fd8\u8981\u8003\u8651\u76f8\u5173\u7684\u7ba1\u7406\u8d39\u7528\uff0c\u4ee5\u53ca\u901a\u8fc7\u5176\u5b83\u6295\u8d44\u6e20\u9053\u83b7\u5f97\u66f4\u5927\u7684\u6536\u76ca\u7684\u53ef\u80fd\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u517b\u8001\u91d1\u662f\u4e2a\u5408\u6cd5\u7701\u7a0e\u597d\u65b9\u6cd5\uff0c\u7b56\u7565\u8fd0\u7528\u5f97\u5f53\uff0c\u66f4\u662f\u8ba9\u60a8\u9000\u4f11\u751f\u6d3b\u9ad8\u6795\u65e0\u5fe7\uff01\u5982\u679c\u60a8\u5bf9\u6b64\u65b0\u653f\u8fd8\u6709\u7591\u60d1\uff0c\u8bf7\u54a8\u8be2\u4e13\u4e1a\u7684\u4f1a\u8ba1\u5e08\u4e3a\u60a8\u8ba2\u5236\u6700\u597d\u7684\u65b9\u6848\uff0c\u4e0b\u671f\uff0c\u6211\u4eec\u4f1a\u7ee7\u7eed\u89e3\u6790\u5c06\u552e\u5356\u623f\u4ea7\u6240\u5f97\u83b7\u5229\u4f9b\u5165\u517b\u8001\u91d1\u7684\u5229\u4e0e\u5f0a\uff0c\u656c\u8bf7\u5173\u6ce8\uff01<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>(\u672c\u7f51\u7ad9\u6240\u542b\u4e4b\u8bc4\u6ce8\u4e0e\u4fe1\u606f\u7686\u5c5e\u4e00\u822c\u6027\u8d28, \u5e76\u4e0d\u80fd\u4f5c\u4e3a\u6cd5\u5f8b\u610f\u89c1\u91c7\u7eb3\u548c\u4f9d\u8d56\u3002\u9601\u4e0b\u5e94\u6839\u636e\u81ea\u8eab\u60c5\u51b5\u81ea\u884c\u5bfb\u6c42\u5efa\u8bae\u3002\u6709\u5173\u672c\u6587\u4ef6\u5bf9\u4efb\u4f55\u4eba\u58eb\u9020\u6210\u7684\u4efb\u4f55\u4e00\u5207\u5408\u540c\u3001\u4fb5\u6743\u6216\u5176\u4ed6\u5f62\u5f0f\u7684\u8d23\u4efb\u4ee5\u53ca\u4efb\u4f55\u4eba\u58eb\u56e0\u501a\u8d56\u672c\u6587\u4ef6\u4e4b\u5168\u90e8\u6216\u90e8\u5206\u5185\u5bb9\u5e76\u5bf9\u4e4b\u8fdb\u884c\u4f7f\u7528\u800c\u4ea7\u751f\u7684\u4efb\u4f55\u540e\u679c, 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