首次购房账户（FHSA）

Mei_Meng

大概地看了看这个新政策，以下是我的理解，希望大家一起来研究探讨。当然如果起到了抛砖引玉的效果，同学们请不吝加分。

2008年10月1日起，各大银行正式推出了First Home Saver Account(FHSA).

什么人才有资格设立这个账户呢？
1. 顾名思义，必须在澳洲还没有买过房子
2. 年龄在18－65岁之间
3. 此前没有开过其他的FHSA
4. 有税号

设立此账户的好处
1. 每年如果你存入5000澳元或以下，政府会补助17％入你的账户，也就是每年850的补贴封顶。（此补贴不计入收入，现在和以后都不用缴税，850的cap是每年indexed）
（必须当年是澳洲税务居民，否则政府不会跟进这17％，最多850刀的补贴的）
2. 根据你选择开户的不同的金融机构， 有6％左右的利率。
3. 此账户产生的利息不计入你的应税所得，而是由开户机构交(代扣?)15％的利息税
4. 只要满足一定条件，则此账户无月费

夫妻二人是要单独开设各自的账户的，也就是有双份的补贴。

使用此账户的限制
1. 只有至少四年，每年至少存入1000澳元，购房时才可动用此账户里的钱
2. 如果改主意不买房了，或者没到4年就买了房子，此账户的余额将转入养老金账户

2008/9年度的封顶是75，000刀，以后会每年根据指数调整

任何一项投资，收益，流动性和风险都是要综合考虑的。算上税务的好处，此账户里外里差不多有25％的收益了（当然指每年5000的有政府补贴的那部分投入，不过理智的投资人应该不会每年存入超过5000刀）。在当前经济错综复杂的情况下，如果没有更好的投资选择，放些钱在这个账户起码不用担心风险和回报，虽然流动性差些。

什么人绝对适合开设此账户呢？
老人
如果父母是澳洲居民（税务意义上的），只要65岁以下，开这个账户是绝对划算的。

如果像我这样还没想好什么时候在澳洲买房子，或者到底在不在澳洲买房子的同学，也应尽早开个户（反正没什么成本），然后还有大半年的时间来考虑到底存多少钱进去。

所以呢，有资格的同学，给我加完分后，就可以选个好的机构开户了。

myfreeoz

good one.

lincc

The First Home Saver Account.
Our First Home Saver Account pays you to save for a home. Twice.

We’ve helped more Australians save for, and buy their first home than any other bank. And now, with a First Home Saver Account it’s easier to save for your first home.

Open a First Home Saver Account, and we’ll pay 6.50% p.a. on your deposits. That’s in addition to the 17% that the Government will pay on contributions you make of up to $5,000 each financial year. Saving for your first home has never been more rewarding.

Some of the benefits you’ll receive from opening a First Home Saver Account include:

    * A high 6.50% p.a. variable interest rate from the Commonwealth Bank.
    * No monthly account keeping fees.
    * Government contributions of 17% on contributions you make of up to $5,000 in any financial year.
    * A low tax rate of 15% on the interest your savings earn, which we will automatically deduct from your account and pay to the Tax Office.
    * You will not be taxed on the money you deposit, the Government contributions or when you withdraw your savings to buy your first home.
    * You can make deposits to your account at any Commonwealth Bank branch, online with NetBank or via operator assisted telephone banking.
    * Contributions can be made by the account holder, family members, employers and even friends.

What you need to know:

    * You must be over 18 and under 65.
    * Your deposits and earnings are to be used to purchase or build your first home to live in. If you change your mind about purchasing or building your first home to live in and wish to withdraw your savings, the balance must be transferred into a superannuation fund of your choice.
    * To withdraw your savings, you must have contributed at least $1,000 per year in four separate (but not necessarily consecutive) financial years, or be purchasing or building a home with someone who has.
    * The product is only available for individuals who have never owned a home in Australia that they have lived in and have never opened a First Home Saver Account before (unless transferring from a First Home Saver Account at another institution).
    * You must be a full-time Australian resident.
    * You must have a tax file number.
    * There is a lifetime balance cap of $75,000 for the account, whereby you will not be able to deposit any further funds.
    * For more information please view our Product Disclosure Statement and our General Information and Terms and Conditions booklet.

poppy

nice topic!!
dig it out!!
hope discuss it more.