{"id":7466,"date":"2021-04-23T04:54:38","date_gmt":"2021-04-23T04:54:38","guid":{"rendered":"https:\/\/mandarin.abacusfinance.com.au\/?p=7466"},"modified":"2022-02-24T23:39:33","modified_gmt":"2022-02-24T23:39:33","slug":"%e5%a6%82%e4%bd%95%e7%8e%a9%e8%bd%ac%e8%b4%9f%e6%89%a3%e7%a8%8e","status":"publish","type":"post","link":"https:\/\/cn.abacusfinance.com.au\/%e5%a6%82%e4%bd%95%e7%8e%a9%e8%bd%ac%e8%b4%9f%e6%89%a3%e7%a8%8e\/","title":{"rendered":"\u5728\u6fb3\u6d32\u6295\u8d44\u5fc5\u987b\u8981\u4e86\u89e3\u7684\u8d1f\u6263\u7a0e\uff0c\u6559\u4f60\u5982\u4f55\u73a9\u8f6c\u8d1f\u6263\u7a0e\uff01"},"content":{"rendered":"\n

\u6587\u7ae0\u5bfc\u89c8\uff1a<\/p>\n\n\n\n

1.\u4ec0\u4e48\u662f\u8d1f\u6263\u7a0e<\/a><\/p>\n\n\n\n

2.\u8d1f\u6263\u7a0e\u771f\u7684\u662f\u4e00\u7b14\u201c\u8d54\u94b1\u4e70\u5356\u201d\uff1f<\/a><\/p>\n\n\n\n

3.\u73b0\u91d1\u6d41\u91cf\u4e8f\u635fVS\u7a0e\u52a1\u6838\u7b97\u4e8f\u635f<\/a><\/p>\n\n\n\n

4.\u54ea\u4e9b\u6295\u8d44\u8005\u9700\u8981\u8d1f\u6263\u7a0e\uff1f<\/a><\/p>\n\n\n\n

5.\u5982\u4f55\u5c06\u8d1f\u6263\u7a0e\u7528\u5230\u623f\u4ea7\u6295\u8d44\u4e0a<\/a><\/p>\n\n\n\n

6.\u53ef\u7533\u62a5\u9000\u7a0e\u7684\u623f\u4ea7\u8d39\u7528<\/a><\/p>\n\n\n\n

\u5728\u623f\u4ea7\u8d37\u6b3e\u6295\u8d44\u9886\u57df\uff0c\u6709\u4e00\u53e5\u6d41\u4f20\u5df2\u4e45\u7684\u201c\u4fd7\u8bed\u201d\uff1a
\u201c\u5982\u679c\u60f3\u8981\u5728\u6fb3\u6d32\u8d2d\u4e70\u6295\u8d44\u623f\uff0c\u4e00\u5b9a\u8981\u5b66\u4f1a\u73a9\u8f6c\u8d1f\u6263\u7a0e\u3002\u201d<\/strong><\/p>\n\n\n\n

\u8fd9\u80cc\u540e\u7684\u539f\u56e0\u7a76\u7adf\u662f\u4ec0\u4e48\uff1f
\u672c\u671f\u534e\u745e\u91d1\u878d\u5e26\u60a8\u804a\u804a\u5173\u4e8e\u8d1f\u6263\u7a0e\u7684\u201c\u524d\u4e16\u4eca\u751f\u201d<\/strong>\u4ee5\u53ca\u5982\u4f55\u64cd\u4f5c\u8d1f\u6263\u7a0e\u3002<\/strong><\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

\u4ec0\u4e48\u662f\u8d1f\u6263\u7a0e\uff1f<\/h2>\n\n\n\n

\u8d1f\u6263\u7a0e<\/a>\u653f\u7b56\u7684\u5b98\u65b9\u540d\u5b57\u53ebNegative Gearing\uff0c\u7b80\u5355\u6765\u8bf4\uff0c\u5982\u679c\u4f60\u5728\u4e00\u9879\u5546\u4e1a\u6d3b\u52a8\u4e2d\u8499\u53d7\u4e86\u4e8f\u635f\uff0c\u90a3\u4e48\u4f60\u53ef\u4ee5\u7528\u8fd9\u4e2a\u4e8f\u635f\u6765\u51b2\u62b5\u4f60\u5728\u5176\u4ed6\u65b9\u9762\u7684\u6536\u76ca\uff0c\u6700\u540e\u8fbe\u5230\u51cf\u5c11\u4f60\u7684\u5e94\u7eb3\u7a0e\u6536\u5165\uff0c\u8fdb\u800c\u964d\u4f4e\u4f60\u7684\u5e94\u4ea4\u7a0e\u91d1\u7684\u76ee\u7684\u3002<\/p>\n\n\n\n

\u201c\u8d1f\u6263\u7a0e\u201d\u5e76\u4e0d\u662f\u4e00\u79cd\u7a0e\uff0c\u800c\u662f\u4e00\u79cd\u5bf9\u4e8e\u6295\u8d44\u623f\u4ea7\u7684\u7a0e\u52a1\u8865\u8d34\u5236\u5ea6\u3002\u6fb3\u6d32\u662f\u4e16\u754c\u4e0a\u6781\u5c11\u6570\u5b9e\u884c\u8fd9\u4e00\u5236\u5ea6\u7684\u56fd\u5bb6\u3002<\/p>\n\n\n\n

\u4ece\u539f\u7406\u4e0a\u6765\u8bf4\uff0c\u201c\u8d1f\u6263\u7a0e\u201d\u7b49\u4e8e\u6fb3\u6d32\u7a0e\u52a1\u5c40\uff08ATO\uff09\u628a\u4f60\u7684\u6295\u8d44\u623f\u4ea7<\/strong>\u89c6\u4e3a\u4e00\u4e2a\u201c\u5c0f\u751f\u610f\u201d<\/strong>\uff0c\u79df\u5ba2\u7f34\u7eb3\u7684\u79df\u91d1<\/strong>\u662f\u4f60\u7684\u201c\u6536\u5165\u201d<\/strong>\uff0c\u7ef4\u6301\u8fd9\u4e00\u201c\u751f\u610f\u201d\u7684\u6240\u6709\u5f00\u9500\uff0c\u5305\u62ec\u94f6\u884c\u8d37\u6b3e\u5229\u606f\u3001\u6c34\u7535\u8d39\u3001\u623f\u5c4b\u6298\u65e7\u3001\u7269\u4e1a\u7ba1\u7406\u548c\u7ef4\u62a4\u8d39\u7528\u3001\u4fdd\u9669\u8d39\u2026\u2026\u7b49\u7b49\uff0c\u90fd\u89c6\u4e3a\u201c\u652f\u51fa\u201d\u3002<\/p>\n\n\n\n

\u7528\u6536\u5165\u51cf\u53bb\u652f\u51fa\uff0c\u4f60\u7684\u6295\u8d44\u623f\u53ef\u80fd\u4f1a\u51fa\u73b0\u4e00\u4e2a\u7eb8\u9762\u4e0a\u7684\u201c\u4e8f\u635f\u201d\uff08\u5f80\u5f80\u5e76\u975e\u771f\u6b63\u7684\u4e8f\u635f\uff0c\u56e0\u4e3a\u623f\u4ea7\u6298\u65e7\u88ab\u89c6\u4e3a\u201c\u652f\u51fa\u201d\uff0c\u4f46\u623f\u4ef7\u589e\u503c\u4e0d\u4f1a\u88ab\u89c6\u4e3a\u201c\u6536\u5165\u201d\uff09<\/strong>\uff0c\u8fd9\u4e2a\u201c\u4e8f\u635f\u201d\u7684\u989d\u5ea6\u53ef\u4ee5\u4ece\u4f60\u5de5\u8d44\u6536\u5165\u7684\u5e94\u7eb3\u7a0e\u989d\u5ea6\u4e2d\u76f4\u63a5\u51cf\u53bb\uff0c\u4e3a\u4f60\u5e26\u6765\u7a0e\u52a1\u4e0a\u7684\u4f18\u60e0\u3002<\/p>\n\n\n\n

\"\u8d1f\u6263\u7a0e\"
\u8d1f\u6263\u7a0e<\/figcaption><\/figure>\n\n\n\n

\u5728\u4e00\u4e2a\u8d22\u653f\u5e74\u5ea6\u4e2d\uff0c\u5982\u679c\u7ef4\u6301\u6295\u8d44\u7269\u4e1a\u7684\u652f\u51fa<\/strong><\/em>\u8d85\u8fc7 <\/strong>\u6295\u8d44\u6536\u76ca<\/strong>\uff08\u623f\u79df\uff09\u6240\u5e26\u6765\u7684\u8d1f\u5411\u5e94\u7eb3\u7a0e\u6536\u5165<\/strong>\uff0c<\/em>\u8fd9\u4e2a\u4e8f\u635f\u7684\u989d\u5ea6\u53ef\u4ee5\u4ece\u4f60\u603b\u6536\u5165\u7684\u5e94\u7eb3\u7a0e\u989d\u5ea6\u4e2d\u76f4\u63a5\u51cf\u53bb\uff0c\u5e26\u6765\u7a0e\u52a1\u4e0a\u7684\u4f18\u60e0\uff0c\u79f0\u4e3a\u8d1f\u6263\u7a0e<\/strong>\uff08Negative Gearing\uff09\u3002<\/em>\u4e5f\u5c31\u662f\u8bf4\uff0c\u4f60\u53ef\u4ee5\u7528\u8fd9\u4e2a\u8d1f\u5411\u5e94\u7eb3\u7a0e\u6536\u5165\u6765\u51b2\u62b5\u4f60\u5728\u5176\u4ed6\u65b9\u9762\u7684\u6536\u76ca<\/strong>\uff0c\u8fdb\u800c\u964d\u4f4e\u7eb3\u7a0e\u91d1\u989d\u3002<\/strong><\/p>\n\n\n\n

\u8d1f\u6263\u7a0e\u771f\u7684\u662f\u4e00\u7b14\u201c\u8d54\u94b1\u4e70\u5356\u201d\uff1f
<\/h2>\n\n\n\n

\u6709\u4eba\u53ef\u80fd\u8fd8\u6709\u7591\u95ee
\u652f\u51fa\u8d85\u8fc7\u4e86\u6536\u76ca
\u4e3a\u4ec0\u4e48\u8fd8\u8981\u505a\u8fd9\u7b14\u201c\u8d54\u94b1\u4e70\u5356\u201d\uff1f<\/p>\n\n\n\n

\"\u8d1f\u6263\u7a0e\"
\u8d1f\u6263\u7a0e\u80fd\u7528\u6765\u505a\u4ec0\u4e48\uff1f<\/figcaption><\/figure>\n\n\n\n

\u8981\u77e5\u9053\uff0c\u5728\u6fb3\u6d32\u8d1f\u6263\u7a0e\u7684\u62b5\u7a0e\u65b9\u5f0f\u5df2\u7ecf\u5728\u201c\u6709\u4ea7\u4eba\u58eb\u201d<\/strong>\u3001\u201c\u591a\u4ea7\u4eba\u58eb\u201d<\/strong>\u3001\u201c\u9ad8\u6536\u5165\u4eba\u58eb<\/strong>\u201d\u4e2d\u5f97\u5230\u7a7a\u524d\u7684\u53d1\u5c55<\/strong>\u3002<\/p>\n\n\n\n

\u5f53\u60a8\u8fdb\u884c\u8d1f\u6263\u7a0e\u6295\u8d44\u65f6\uff0c\u60a8\u7684\u6536\u76ca\u53ef\u80fd\u4f1a\u6210\u500d\u589e\u957f\u3002\u6fb3\u6d32\u7a0e\u52a1\u5c40\u7684\u4e13\u5458\u8868\u793a\uff0c\u6709210\u4e07\u7eb3\u7a0e\u4eba\u5bf9441\u4ebf\u7684\u79df\u91d1\u6536\u5165\u7533\u62a5\u4e86474\u4ebf\u7684\u62b5\u514d\u3002<\/p>\n\n\n\n

\u4e3a\u4ec0\u4e48\u770b\u8d77\u6765\u6536\u5165\u8fd9\u4e48\u201c\u4f4e\u201d\uff1f\u56e0\u4e3a\u8fd9\u90e8\u5206\u6295\u8d44\u5728\u4f7f\u7528\u4e86\u201c\u8d1f\u6263\u7a0e\u201d\u4e4b\u540e\u62b5\u6d88\u4e86\u539f\u672c\u7684\u9ad8\u989d\u5e94\u7eb3\u7a0e\u6536\u5165\uff01<\/strong><\/p>\n\n\n\n

\u8bb8\u591a\u4eba\u8981\u505a\u201cnegative gearing\u201d\u8fd9\u79cd\u201c\u8d54\u94b1\u4e70\u5356\u201d\uff0c\u662f\u56e0\u4e3a\u7a0e\u52a1\u4e0a\u7684\u60e0\u76ca\u3002\u56e0\u4e3a\u6295\u8d44\u635f\u5931\u53ef\u4ee5\u4ece\u6536\u5165\u4e2d\u6263\u51cf\u6389\u3002\u5982\u679c\u6536\u5165\u5f88\u9ad8\u7684\u8bdd\uff0c\u8d1f\u6263\u7a0e\u4e0e\u517b\u8001\u91d1\u4f9b\u6b3e\u4e00\u6837\uff0c\u662f\u552f\u4e00\u53ef\u4ee5\u627e\u5230\u7684\u5927\u7b14\u907f\u7a0e\u7684\u65b9\u6cd5\u3002<\/p>\n\n\n\n


\u73b0\u91d1\u6d41\u91cf\u4e8f\u635fVS\u7a0e\u52a1\u6838\u7b97\u4e0a\u7684\u4e8f\u635f<\/strong><\/h2>\n\n\n\n

\u4e5f\u8bb8\u6709\u4eba\u4f1a\u95ee\uff0c\u4e8f\u635f\u7684\u989d\u5ea6\uff0c\u4e0d\u5c31\u662f\u4f20\u7edf\u610f\u4e49\u4e0a\u7684\u201c\u4e8f\u94b1\u201d\u4e86\uff1f\u5176\u5b9e\u8fd9\u91cc\u8981\u63d0\u5230\u4e24\u4e2a\u4e0d\u540c\u7684\u6982\u5ff5\uff0c\u5373\u73b0\u91d1\u6d41\u7684\u4e8f\u635f<\/strong>\u548c\u7a0e\u52a1\u6838\u7b97\u4e0a\u7684\u4e8f\u635f<\/strong>\u3002<\/p>\n\n\n\n

\"\u623f\u4ea7\u5347\u503c\"
\u8d1f\u6263\u7a0e\u4e3e\u4f8b<\/figcaption><\/figure>\n\n\n\n

\u4e3e\u4e2a\u7b80\u5355\u7684\u4f8b\u5b50\uff1a<\/strong>
\u4ee5\u5c0f\u660e\u5728\u6089\u5c3c\u7684\u4e00\u5957\u6295\u8d44\u623f\u4e3a\u4f8b\uff0c\u4ed6\u5c06\u4ed6\u7684\u6574\u5957\u623f\u5b50\u6574\u79df\u51fa\u53bb\uff0c\u6bcf\u4e2a\u6708\u7684\u79df\u91d1\u6536\u5165\u51cf\u53bb\u8fd8\u8d37\u5229\u606f\u3001\u7ba1\u7406\u8d39\u3001\u5e02\u653f\u8d39\u548c\u5176\u4ed6\u6742\u8d39\u540e\uff0c\u8fd8\u6709\u5269\u4f59\uff0c\u8fd9\u4e2a\u65f6\u5019\uff0c\u4ece\u73b0\u91d1\u6d41\u91cf\u4e0a\u662f\u6b63\u5411\u7684\u6536\u76ca\u3002<\/p>\n\n\n\n

\u800c\u5728\u7a0e\u52a1\u6838\u7b97\u4e0a\uff0c\u9664\u4e86\u8fd9\u4e9b\u73b0\u91d1\u8d39\u7528\uff0c\u8fd8\u6709\u4e00\u5927\u5757\u975e\u73b0\u91d1\u8d39\u7528\uff1a\u623f\u5c4b\u6298\u65e7\u8d39\u3002\u5982\u679c\u628a\u8fd9\u4e2a\u8ba1\u5165\u6210\u672c\u652f\u51fa\uff0c\u5c0f\u660e\u5728\u6bcf\u4e2a\u6708\u603b\u4f53\u90fd\u662f\u201c\u4e8f\u635f\u201d\u7684\uff0c\u4f46\u662f\u53ef\u4ee5\u8bf4\u662f\u201c\u8d26\u9762\u4e0a\u7684\u4e8f\u635f\u201d\u3002\u800c\u8fd9\u4e2a\u65f6\u5019\uff0c\u5c31\u53ef\u4ee5\u7528\u8fd9\u5957\u6295\u8d44\u623f\u6765\u8d1f\u6263\u7a0e\uff0c\u51cf\u5c11\u603b\u4f53\u5e94\u7eb3\u7a0e\u6536\u5165\u603b\u989d\u3002<\/p>\n\n\n\n

\u7efc\u4e0a\uff0c\u4e00\u5e74\u4e0b\u6765\uff0c\u5c0f\u660e\u7701\u4e86\u5927\u4e00\u7b14\u7a0e\u94b1\u3002\u6240\u4ee5\uff0c\u5982\u679c\u5728\u79df\u91d1\u6536\u76ca\u53ef\u89c2\u7684\u60c5\u51b5\u4e0b\uff0c\u5c0f\u660e\u83b7\u5f97\u4e86\u4e09\u5927\u597d\u5904\uff1a\u73b0\u91d1\u6d41\u6ca1\u6709\u4e8f\u94b1\uff0c\u7701\u4e86\u4e00\u5927\u7b14\u7a0e\u94b1\uff0c\u4e0d\u52a8\u4ea7\u7ee7\u7eed\u589e\u503c\u3002<\/p>\n\n\n\n

\u73b0\u5728\uff0c\u4f60\u53ef\u4ee5\u770b\u5230\u8d1f\u6263\u7a0e\u7684\u795e\u5947\u529b\u91cf\u4e86\u5427\u3002<\/strong><\/p>\n\n\n\n

\u54ea\u4e9b\u6295\u8d44\u8005\u9700\u8981\u8d1f\u6263\u7a0e\uff1f<\/h2>\n\n\n\n

\u9ad8\u6536\u5165\u4eba\u7fa4\u5229\u7528\u6b64\u8d1f\u5411\u5e94\u7a0e\u6536\u5165<\/strong>\u53ef\u4ee5\u62b5\u51cf\u5176\u4ed6\u6765\u6e90\u7684\u6b63\u5411\u5e94\u7a0e\u6536\u5165<\/strong>\uff0c\u4f8b\u5982\u5de5\u8d44\u6536\u5165\uff08Salary\/ Wage\uff09\u3001\u8d44\u672c\u5229\u5f97\uff08Capital Gain\uff09\u7b49\uff0c\u4ee5\u6b64\u964d\u4f4e\u5e94\u7a0e\u6536\u5165\uff0c\u8fbe\u5230\u6700\u7ec8\u51cf\u5c11\u7f34\u7a0e\u7684\u7ed3\u679c\u3002<\/p>\n\n\n\n

\u5bf9\u4e8e\u9ad8\u51c0\u503c\u4eba\u7fa4\u6765\u8bf4\uff0c\u6295\u8d44\u623f\u4ea7\u4e0d\u4ec5\u80fd\u4eab\u53d7\u7269\u4e1a\u589e\u503c\u7684\u6536\u5165\uff0c\u8fd8\u80fd\u83b7\u5f97\u6781\u5927\u7684\u8d1f\u6263\u7a0e\u6536\u76ca\uff01\u6240\u4ee5\u6fb3\u6d32\u7684\u9ad8\u6536\u5165\u8005\u3001\u601d\u7ef4\u6d3b\u8def\u7684\u5e74\u8f7b\u4eba\u3001\u6709\u76c8\u4f59\u8d44\u91d1\u7684\u540d\u4e0b\u90fd\u4f1a\u6709\u6570\u5957\u4e0d\u52a8\u4ea7\u7528\u6765\u62b5\u7a0e\u3002<\/p>\n\n\n\n

\"\u5982\u4f55\u5c06\u8d1f\u6263\u7a0e\u7528\u5728\u623f\u4ea7\u6295\u8d44\u4e0a\"
\u8d1f\u6263\u7a0e<\/figcaption><\/figure>\n\n\n\n

\u5982\u4f55\u5c06\u8d1f\u6263\u7a0e\u7528\u5728\u623f\u4ea7\u6295\u8d44\u4e0a\uff1f<\/h2>\n\n\n\n

\u90a3\u4e48
\u5728\u623f\u4ea7\u6295\u8d44\u4e0a\u5982\u4f55\u5229\u7528\u8d1f\u6263\u7a0e\u964d\u4f4e\u7eb3\u7a0e\u91d1\u989d\u5462\uff1f<\/strong><\/p>\n\n\n\n

\u4e3e\u4e2a\u4f8b\u5b50<\/strong><\/h3>\n\n\n\n

\u5c0f\u660e\u662f\u4e00\u4f4d\u6fb3\u6d32\u767d\u9886\uff0c\u5e74\u6536\u5165\u7a0e\u524d\u4e3a7\u4e07\u6fb3\u5e01\uff0c\u4f46\u6700\u7ec8\u5b9e\u9645\u62ff\u5230\u7684\u53ea\u6709$54,258\uff0c\u8fd9\u662f\u7531\u4e8e\u5269\u4e0b\u7684$15,741\u90fd\u4ea4\u7ed9\u7a0e\u52a1\u5c40\u4e86\u3002<\/p>\n\n\n\n

\u5982\u679c\u5728\u6ca1\u6709\u6295\u8d44\u623f\u7684\u60c5\u51b5\u4e0b\uff0c\u5e74\u85aa$70,000\u5e94\u8be5\u7f34\u7eb3\u7a0e\u8d39*$15,741\u3002<\/p>\n\n\n\n

\u5c0f\u660e\u53bb\u5e74\u8d37\u6b3e\u4e70\u4e86\u4e00\u5957\u4ef7\u503c60\u4e07\u7684\u6295\u8d44\u623f\uff0c\u6309\u7167\u5e02\u573a\u5747\u4ef7\u8ba1\u7b97\uff08$600\/week\uff09\uff0c\u6bcf\u5e74\u7684\u79df\u91d1\u6536\u5165\u4e3a$31,200\u3002\u4f5c\u4e3a\u623f\u4e1c\uff0c\u5c0f\u660e\u8fd8\u9700\u652f\u4ed8\u5404\u79cd\u5176\u4ed6\u82b1\u9500\uff0c\u5728\u8fd9\u4e2a\u65f6\u5019\uff0c\u5c31\u53ef\u4ee5\u53d1\u6325\u8d1f\u6263\u7a0e\u7684\u4f5c\u7528\u4e86\u3002<\/p>\n\n\n\n