【Why系列】-迷之银行邮件:为什么会被要求提供税务居民证明?
上周一上午,一位四年前成交贷款的客户张女士转发了一封St George银行发给她的邮件,并说她不清楚是什么导致银行好端端的突然发了这封邮件:见截图
澳洲收入?海外收入?
很明显,银行发现张女士现在的情况是在澳洲居住,有澳洲的收入,但是在四年前的客户信息记录中,她贷款获批时申报的是海外收入。之后在和张女士的核对中得知,客人上周访问了一间St George支行,要求银行转变她的贷款方式为连本带利一起还款。本来这是件好事,客人加速还款,银行也降低贷款风险。但是,问题就出在她没有及时更新银行的个人信息,特别是税务居民信息。
贷款前?贷款后?
我们来看一下张女士当时申请的情形和贷款成交后的个人情况改变:2010年,客人一家三口先后移民来到澳洲,先生和女儿已经先行到了澳洲,但张女士还在国内公司受雇任职。当他们2014年底通过我们申请购买房屋贷款时,除了先生和女儿在澳洲的收入,我们还申报了张女士的海外收入,也正是因为有了这部分收入,他们全家的贷款申请才能得以获批。2015年底,张女士所在公司被另一间公司整体收购,另一边她先生在澳洲经营的生意日趋稳定,她借此申请离职并来到澳洲和家人团聚,之后和先生一起打理自家生意。然而,从St George银行这边看,张女士的收入和税务状况还登记为原来的海外收入,这次张女士主动找到银行,促使银行雇员出于International” Common Reporting Standard” (CRS)的要求需要向ATO更新客人的税务居民现状。说到这个CRS,就是澳洲和其他国家签订的各国居民财务透明协议,税务透明化则是其中的一个重要组成部分,而中国是与澳洲签订CRS协议的国家之一。
咨询前?咨询后?
好在张女士和家人这些年都有报税,虽然有时多有时少,有一年公司还报了亏损,但是因为有正常报税记录,我们建议张女士按照St George银行在信中提到的:登录网上银行,更新个人税务居民信息。同时准备好,如果接到银行电话,可以积极配合提供近年的完税记录,并且展示多年来一直良好的贷款还款记录。事后客人不放心,主动去问了一下银行职员,当被告知没有问题后,张女士悬着的一颗心才放了下来。
Worst Case Scenario
试想如果客人对银行的信件置之不理,或真实情况下在两国都没有报税,那结果会怎样呢?2014年,一间主流银行银行对一对申报海外收入申请贷款的夫妇进行调查,这对夫妇实际在悉尼西北区经营一间News Agency,生意不错,很多现金收入。导致银行怀疑并调查的原因是客人每年一次性提前还款十几二十万,而且有大量证据证明客人并不在海外,而是在本地工作生活。在银行联系这对夫妇后,他们并没有做出任何反应而是置之不理。没过多久,ATO的官员直接接管了调查,并发了法律文书给到夫妇:如果不在规定时间做出配合和解释,将开出惩罚性罚金并判罚有罪。事已至此,这对夫妇只能配合ATO调查。ATO最后的处理结果很阴:他们接受了这对夫妇中先生按照贷款申请时所报的海外收入部分(ATO假定太太在悉尼打理News Agency生意),并按照申请时所报的受雇时间开始算起,截止到调查这段时间总共的海外收入计算,按照澳洲税率征收客人所需缴纳的税金和延迟交税的罚金,一共是近三十万澳币。银行也因为这个原因收回对该夫妇的贷款,可以说赔了夫人又折兵。
以上的例子很极端,但是是真实发生的案例。由此可见,即使银行贷款批复了,客人也需要在接到银行要求更新信息的通知后积极配合银行和贷款经纪,保持沟通畅通。更重要的是,要懂得澳洲的主流价值观,尊重澳洲的行业规则,做到合理理财,合理避税,合理致富。
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