{"id":9041,"date":"2018-06-15T02:23:01","date_gmt":"2018-06-14T16:23:01","guid":{"rendered":"https:\/\/mnygroup.com.au\/%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\/"},"modified":"2024-11-05T18:47:32","modified_gmt":"2024-11-05T07:47:32","slug":"%e7%94%a8%e9%a4%8a%e8%80%81%e9%87%91%e8%b2%b7%e6%88%bf%e5%90%88%e6%b3%95%e7%9c%81%e7%a8%85%e5%8f%88%e5%ae%89%e5%bf%83","status":"publish","type":"post","link":"https:\/\/mnygroup.com.au\/zh-hant\/%e7%94%a8%e9%a4%8a%e8%80%81%e9%87%91%e8%b2%b7%e6%88%bf%e5%90%88%e6%b3%95%e7%9c%81%e7%a8%85%e5%8f%88%e5%ae%89%e5%bf%83\/","title":{"rendered":"\u7528\u990a\u8001\u91d1\u8cb7\u623f\u5408\u6cd5\u7701\u7a05\u53c8\u5b89\u5fc3\uff01"},"content":{"rendered":"

\u9996\u6b21\u7f6e\u696d\u990a\u8001\u91d1\u5b58\u6b3e\u9ad4\u7cfb\uff08FHSS Scheme – First Home Super Saver Scheme\uff09<\/strong><\/h2>\n

\u5982\u679c\u60a8\u8a8d\u70ba\u60a8\u7684\u990a\u8001\u91d1\u53ea\u80fd\u7528\u65bc\u9000\u4f11\u751f\u6d3b, \u90a3\u9ebc\u5c31\u932f\u4e86\uff0c\u56e0\u70ba\u6fb3\u5dde\u653f\u5e9c\u70ba\u6e1b\u8f15\u5c45\u6c11\u53ef\u8ca0\u64d4\u4f4f\u623f\u58d3\u529b (housing affordability crisis)\uff0c\u57282017\u5e7412\u6708\u901a\u904e\u4e86\u4e00\u9805\u65b0\u653f\u8b93\u60a8\u53ef\u4ee5\u7528\u990a\u8001\u91d1\u8cb7\u81ea\u5df1\u7684\u9996\u5957\u623f\u3002\u53e6\u5916\uff0cDownsizer (\u8a3b\uff1a\u6307\u51fa\u552e\u539f\u6709\u5927\u4f4f\u5b85\uff0c\u8cfc\u8cb7\u7cbe\u7c21\u578b\u623f\u7522\u7684\u8cb7\u5bb6) \u53ef\u4ee5\u4e0d\u53d7\u8a31\u591a\u5e38\u898f\u9650\u88fd\u5730\u5c07\u552e\u623f\u6536\u76ca\u4f9b\u9032\u5176\u990a\u8001\u91d1\u8cec\u6236\u3002<\/p>\n

\u6b64\u990a\u8001\u91d1\u65b0\u653f\u5c07\u65bc2018\u5e747\u67081\u865f\u958b\u59cb\u6b63\u5f0f\u5be6\u65bd\uff0c\u6211\u5011\u4eca\u5929\u6703\u89e3\u8b80\u4e00\u4e0b\u9019\u500b\u65b0\u653f\uff0c\u4ee5\u53ca\u70ba\u60a8\u5206\u6790\u5229\u8207\u5f0a\u3002<\/p>\n

<\/h4>\n

\u65b0\u653f\u6709\u54ea\u4e9b\u8981\u6c42\u5462\uff1f<\/strong><\/h2>\n
    \n
  • 18\u5468\u6b72\u4ee5\u4e0a\uff0c\u5728\u6fb3\u6d32\u5f9e\u672a\u64c1\u6709\u623f\u7522\uff08\u5305\u62ec\u81ea\u4f4f\u623f\uff0c\u6295\u8cc7\u623f\uff0c\u5546\u7528\u623f\u7522\u6216\u5408\u8cb7\uff09<\/li>\n
  • \u904e\u5f80\u5f9e\u672a\u8981\u6c42\u990a\u8001\u91d1\u91cb\u653e\u904eFHSS\u4f9b\u6b3e<\/li>\n
  • \u60a8\u7684\u990a\u8001\u91d1\u53ef\u4ee5\u63a5\u53d7FHSS\u4f9b\u6b3e<\/li>\n
  • \u81ea\u7ba1\u990a\u8001\u91d1\uff08Self-Management Super Fund\uff09\u9700\u78ba\u4fdd\u4fe1\u6258\u5951\u7d04( super deed)\u6709\u76f8\u61c9\u689d\u6b3e\u5141\u8a31\u5176\u5728\u6b64\u653f\u7b56\u4e0b\u63d0\u6b3e<\/li>\n
  • FHSS\u4e0d\u80fd\u7528\u65bc\u8cfc\u8cb7\u8239\u5c4b\uff0c\u623f\u8eca\uff0c\u7a7a\u5730\uff0c\u4ee5\u53ca\u4efb\u4f55\u4e0d\u9069\u7528\u5c45\u4f4f\u7684\u5730\u65b9<\/li>\n<\/ul>\n

    \u5f9e2017\u5e747\u67081\u865f\u8d77\uff0c\u9996\u6b21\u7f6e\u696d\u8005\u53ef\u5c0d\u990a\u8001\u91d1\u9032\u884c\u81ea\u9858\u6027\u7684\u7a05\u524d\u4f9b\u6b3e\uff08\u4f8b\u5982\u8207\u96c7\u4e3b\u5354\u8b70\u7684\u85aa\u91d1\u72a7\u7272salary sacrifice\uff09\u6216\u7a05\u5f8c\u4f9b\u6b3e\uff0c2018\u5e747\u67081\u865f\u5f8c\u53ef\u4ee5\u53d6\u51fa\u3002\u6bcf\u4eba\u6bcf\u5e74\u4f9b\u6b3e\u4e0a\u9650$15,000\u6fb3\u5143\uff0c\u7e3d\u4e0a\u9650$30,000\u6fb3\u5143\u3002\u4f46\u662f\u8981\u8a3b\u610f\uff0c\u96c7\u4e3b\u652f\u4ed8\u7684\u5f37\u88fd\u4fdd\u969c\u990a\u8001\u91d1\uff08super guarantee\uff09\u662f\u4e0d\u5141\u8a31\u88ab\u53d6\u51fa\u7684\u3002<\/u><\/p>\n

    <\/h4>\n

    \u90a3\u9ebd\u4f7f\u7528\u990a\u8001\u91d1\u9996\u6b21\u7f6e\u696d\u6709\u4ec0\u9ebd\u5229\u8207\u5f0a\uff1f<\/strong><\/h2>\n

    FHSSS\uff08\u9996\u6b21\u7f6e\u696d\u990a\u8001\u91d1\u5b58\u6b3e\u9ad4\u7cfb\uff09\u53ef\u4ee5\u5e6b\u52a9\u4f5c\u70ba\u9996\u6b21\u7f6e\u696d\u8005\u7684\u60a8\u5b58\u5132\u9996\u4ed8\uff0c\u540c\u6642\u80fd\u70ba\u60a8\u512a\u5316\u7a05\u52d9\u548c\u990a\u8001\u91d1\u6536\u76ca\u3002<\/p>\n

    FHSSS\u7684\u6700\u5927\u512a\u9ede\u5728\u65bc\u5b83\u6240\u5e36\u4f86\u7684\u7a05\u52d9\u512a\u60e0\u3002\u5c24\u5176\u5c0d\u65bc\u9ad8\u6536\u5165\u7d0d\u7a05\u4eba\uff0c\u4e26\u4e0d\u9700\u8981\u771f\u4f86\u7528\u9019\u7b46FHSS\u4f9b\u6b3e\u8cb7first home\uff0c \u9084\u53ef\u4ee5\u53d6\u51fa\u4f86\u5f8c\uff0c\u5728\u4e00\u5e74\u5167\u91cd\u65b0\u518d\u4f9b\u6b3e\u7d66\u81ea\u5df1\u7684\u990a\u8001\u91d1\u3002\u4e5f\u5c31\u662f\u904b\u7528\u7a05\u6e1b\uff0c\u4f86\u7372\u5f97\u6bd4\u5b58\u5b9a\u5b58\u66f4\u9ad8\u7684\u6536\u76ca\u3002<\/p>\n

    \u53e6\u5916\uff0c\u53ef\u9078\u64c7\u7a05\u524d\u4f9b\u6b3e\uff0c\u4e5f\u5c31\u662f\u60a8\u4e0d\u4e0a\u7a05\uff0c\u990a\u8001\u91d1\u630915%\u4e0a\u7a05\uff0c\u4efb\u4f55\u751f\u6210\u6536\u76ca\u4e5f\u630915%\u7e73\u7a05\u3002\u57fa\u672c\u4f86\u8aaa\uff0c\u5982\u679c\u60a8\u7684\u51c8\u6536\u5165\u9ad8\u65bc\u5169\u842c\u5c0f\u51fa\u982d, \u60a8\u7684\u500b\u4eba\u7a05\u7387\u5c31\u9ad8\u65bc15%\u4e86\uff0c\u6240\u4ee5\u7a05\u524d\u4f9b\u6b3e\u662f\u5f88\u5408\u9069\u7684\u3002<\/p>\n

    \u53e6\u4e00\u500b\u512a\u9ede\u662f\uff0c\u592b\u59bb\u5169\u4eba\u53ef\u4ee5\u540c\u6642\u4f7f\u7528\u9019\u500b\u6a5f\u88fd\uff0c\u90a3\u9ebd\u53ef\u5f9e\u990a\u8001\u91d1\u91cb\u653e\u4e0a\u9650\u589e\u52a0\u81f3$60,000\u6fb3\u5143\u3002<\/p>\n

    \u7576\u60a8\u6e96\u5099\u8981\u8cb7\u623f\u5b50\u6642\uff0c\u60a8\u9700\u8981\u5411\u7a05\u52d9\u59d4\u54e1\u6703\uff08Commissioner of Taxation\uff09\u63d0\u4ea4\u7533\u8acb\uff0c\u7372\u5f97\u9996\u6b21\u7f6e\u696d\u6700\u9ad8\u63d0\u53d6\u91d1\u984d\u88c1\u5b9a\u5f8c\uff0c\u5373\u53ef\u53d6\u51faFHSS\u4f9b\u6b3e\u548c\u63a8\u5b9a\u6536\u76ca\uff0c\u4f86\u652f\u4ed8\u9996\u6b21\u7f6e\u696d\u7684\u5b9a\u91d1\u3002\u9019\u7b46\u91d1\u984d\u6703\u4ee5\u60a8\u7684\u908a\u969b\u7a05\u7387\uff08Marginal tax rate\uff09\u6e1b30%\u7684\u7a05\u52d9\u62b5\u6263\uff08Tax offset\uff09\u4f86\u7e73\u7a05\u3002<\/p>\n

    \u6848\u4f8b\u5206\u6790<\/strong><\/h2>\n

    1. \u57282018\u8ca1\u5e74\uff0cLucy \u5e74\u85aa\u70ba$100,000, \u5979\u7684\u96c7\u4e3b\u652f\u4ed8\u7d66\u5979$9,500 \u7684SG contributions (9.5% super guarantee)\u3002\u53e6\u5916\u5979\u8207\u96c7\u4e3b\u9054\u6210\u85aa\u91d1\u72a7\u7272\u5354\u8b70\uff08salary sacrifice arrangement \uff09\uff0c\u6bcf\u6708\u4f9b\u6b3e\u5de5\u8cc7\u4e2d\u7684$1,000 \u5230\u81ea\u5df1\u990a\u8001\u91d1\u8cec\u6236\u3002 \u4e26\u4e14\u5979\u518d\u6bcf\u5e74\u4f9b\u6b3e $12,000 \u5230\u81ea\u7ba1\u990a\u8001\u91d1\uff08SMSF\uff09\u3002\u65bc2018\u5e746\u670818\u65e5, Lucy \u53c8\u518d \u4f9b\u4e86 $5,000 Concessional Contribution\u5230\u5979\u7684\u81ea\u7ba1\u990a\u8001\u91d1\u4e26\u5728\u500b\u4eba\u5e74\u5ea6\u5831\u7a05\u4e2d\u7533\u8acb\u4e86\u7a05\u52d9\u62b5\u6263\u3002<\/p>\n

    \u5979\u7684\u7e3d\u990a\u8001\u91d1\u4f9b\u6b3e\u70ba:<\/p>\n

    SG Employer Contributions $9,500<\/p>\n

    \u85aa\u91d1\u72a7\u7272\uff08Salary Sacrifice Contributions\uff09 $12,000<\/p>\n

    \u53ef\u62b5\u7a05\u8ca2\u737b\u91d1\uff08Concessional Contribution \uff09$5,000<\/p>\n

    \u7e3d\u8a08 $26,500<\/p>\n

    \u53ea\u6709$12,000\u7684\u85aa\u91d1\u72a7\u7272\u548c$5,000\u53ef\u62b5\u7a05\u8ca2\u737b\u91d1\u88cf\u7684\u5176\u4e2d$3,000 \u53ef\u4ee5\u4f5c\u70ba \u7e3d\u8a08\u6bcf\u5e74$15,000\u7684FHSSS\u4f9b\u6b3e\u3002<\/p>\n

    \u90a3\u5c31\u610f\u5473\u8457\uff0cLucy\u53ef\u4ee5\u7533\u8acb\u91cb\u653e\u9019$15,000\u768485% \u4e5f\u5c31\u662f $12,750 \u52a0\u4e0a\u63a8\u5b9a\u6536\u76ca\uff0c\u4f86\u652f\u4ed8\u5979\u9996\u6b21\u7f6e\u696d\u7684\u5b9a\u91d1\u3002<\/strong><\/p>\n

    2. \u6839\u64da\u653f\u5e9c\u8cc7\u8a0a\uff0c\u4ee5\u5e74\u6536\u5165\u70ba$70,000\u6fb3\u5143\u70ba\u4f8b\uff0c\u4ee5\u85aa\u91d1\u72a7\u7272\uff08salary sacrifice\uff09\u7684\u65b9\u5f0f\u6bcf\u5e74\u5411\u990a\u8001\u91d1\u4f9b\u5165$10,000\u7684\u7a05\u524d\u6536\u5165\uff0c\u4e09\u5e74\u5f8c\uff0c\u53ef\u7528\u65bc\u8cfc\u623f\u5b9a\u91d1\u7684\u7e3d\u5132\u84c4\u53ef\u9054\u7d04$25,892\u6fb3\u5143\uff0c\u9019\u6bd4\u5b58\u6b3e\u5230\u666e\u901a\u5b9a\u671f\u8cec\u6236\u4e0a\u591a$6,210\u6fb3\u5143<\/p>\n

    \u7576\u7136\uff0c\u76f8\u5c0d\u65bc\u4e09\u5e74\u4e0b\u4f86\u591a\u51fa\u7684$6,210\u6536\u76ca\uff0c\u6211\u5011\u9084\u8981\u8003\u616e\u76f8\u95dc\u7684\u7ba1\u7406\u8cbb\u7528\uff0c\u4ee5\u53ca\u901a\u904e\u5176\u5b83\u6295\u8cc7\u6e20\u9053\u7372\u5f97\u66f4\u5927\u7684\u6536\u76ca\u7684\u53ef\u80fd\u3002<\/p>\n

    \u990a\u8001\u91d1\u662f\u500b\u5408\u6cd5\u7701\u7a05\u597d\u65b9\u6cd5\uff0c\u7b56\u7565\u904b\u7528\u5f97\u7576\uff0c\u66f4\u662f\u8b93\u60a8\u9000\u4f11\u751f\u6d3b\u9ad8\u6795\u7121\u6182\uff01\u5982\u679c\u60a8\u5c0d\u6b64\u65b0\u653f\u9084\u6709\u7591\u60d1\uff0c\u8acb\u54a8\u8a62\u5c08\u696d\u7684\u6703\u8a08\u5e2b\u70ba\u60a8\u8a02\u88fd\u6700\u597d\u7684\u65b9\u6848\uff0c\u4e0b\u671f\uff0c\u6211\u5011\u6703\u7e7c\u7e8c\u89e3\u6790\u5c07\u552e\u8ce3\u623f\u7522\u6240\u5f97\u7372\u5229\u4f9b\u5165\u990a\u8001\u91d1\u7684\u5229\u8207\u5f0a\uff0c\u656c\u8acb\u95dc\u8a3b\uff01<\/strong><\/p>\n

    (\u672c\u7db2\u7ad9\u6240\u542b\u4e4b\u8a55\u8a3b\u8207\u4fe1\u606f\u7686\u5c6c\u4e00\u822c\u6027\u8cea, \u4e26\u4e0d\u80fd\u4f5c\u70ba\u6cd5\u5f8b\u610f\u898b\u91c7\u7d0d\u548c\u4f9d\u8cf4\u3002\u95a3\u4e0b\u61c9\u6839\u64da\u81ea\u8eab\u60c5\u6cc1\u81ea\u884c\u5c0b\u6c42\u5efa\u8b70\u3002\u6709\u95dc\u672c\u6587\u4ef6\u5c0d\u4efb\u4f55\u4eba\u58eb\u9020\u6210\u7684\u4efb\u4f55\u4e00\u5207\u5408\u540c\u3001\u4fb5\u6b0a\u6216\u5176\u4ed6\u5f62\u5f0f\u7684\u8cac\u4efb\u4ee5\u53ca\u4efb\u4f55\u4eba\u58eb\u56e0\u501a\u8cf4\u672c\u6587\u4ef6\u4e4b\u5168\u90e8\u6216\u90e8\u5206\u5167\u5bb9\u4e26\u5c0d\u4e4b\u9032\u884c\u4f7f\u7528\u800c\u7522\u751f\u7684\u4efb\u4f55\u5f8c\u679c, \u4f5c\u8005\u6216\u4efb\u4f55\u5176\u4ed6\u53c3\u8207\u7de8\u88fd\u6216\u5206\u767c\u672c\u6587\u4ef6\u4e4b\u4eba\u58eb\u5747\u660e\u78ba\u8072\u660e\u4e0d\u5c0d\u4ee5\u4e0a\u627f\u64d4\u4efb\u4f55\u8cac\u4efb\u3002)<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":9042,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1695],"tags":[],"class_list":["post-9041","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1695","masonry-post","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-20"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/mnygroup.com.au\/zh-hant\/wp-json\/wp\/v2\/posts\/9041","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mnygroup.com.au\/zh-hant\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mnygroup.com.au\/zh-hant\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mnygroup.com.au\/zh-hant\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mnygroup.com.au\/zh-hant\/wp-json\/wp\/v2\/comments?post=9041"}],"version-history":[{"count":0,"href":"https:\/\/mnygroup.com.au\/zh-hant\/wp-json\/wp\/v2\/posts\/9041\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mnygroup.com.au\/zh-hant\/wp-json\/wp\/v2\/media\/9042"}],"wp:attachment":[{"href":"https:\/\/mnygroup.com.au\/zh-hant\/wp-json\/wp\/v2\/media?parent=9041"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mnygroup.com.au\/zh-hant\/wp-json\/wp\/v2\/categories?post=9041"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mnygroup.com.au\/zh-hant\/wp-json\/wp\/v2\/tags?post=9041"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}