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The 2022 Small Business Support Program

Eligible businesses with a turnover of between $75,000 and $50 million that experienced a minimum 40% decline in turnover in January 2022 – and the first fortnight of February 2022 – can apply for support through this program.

Employing businesses will be eligible to receive 20% of weekly payroll as a lump sum for the month of February, with a minimum payment of $750 per week and a maximum payment of $5000 per week.

Non-employing businesses will receive $500 per week, paid as a lump sum of $2000.

Eligible businesses will receive one payment covering the 4-week period of February 2022. Applications close on 29 April 2022.

For more info:

https://www.nsw.gov.au/covid-19/business/financial-support/grants-and-loans

新州政府为中小企业提供补助金

满足条件的新州中小企业将可从Service NSW获得4周的工资补助。补助金额将按企业最近一期商业活动报表中所报工资对应折算周工资的20%发放,最少可获得$750每周,最多不超过$5,000每周。没有员工的企业则可获得每周$500的补助。在此提醒,该申请的截止日期延长到2022年4月29日,如您符合资质,需尽快向州政府提交申请。

详情查看:

https://www.nsw.gov.au/covid-19/business/financial-support/grants-and-loans

Covid-19 Assistance for commercial and residential landlords

Commercial landlord hardship fund

The commercial landlord hardship fund provides additional support to smaller landlords whose main source of income is impacted because they have provided rent relief to their tenant(s) and have not claimed land tax relief.

If you are a small commercial or retail landlord with total taxable land holdings of less than $5 million and you have provided your tenant(s) with rental waivers, you may be eligible for a grant of up to $3,000 per month, per property.

COVID-19 land tax relief

Land tax relief is available for eligible commercial and/or residential  landowners who have reduced  their tenants’ rent due to COVID-19 between 1 July 2021 and 31 December 2021.

The relief will be a reduction in the 2021 tax payable on the parcel of land where a rent reduction has been given to the tenant who occupies that land.

The reduction in land tax payable will be the lesser of:

  • the amount of rent reduction provided to an eligible tenant for any period between 1 July 2021 and 31 December 2021, or
  • 100% of the land tax attributable to the parcel of land leased to that tenant.

Commercial landowners can still apply for this period of land tax relief, even if they applied for any of the previous relief periods, provided they meet all the eligibility requirements.

Commercial rent protection

If your business is unable to meet lease commitments due to the current COVID-19 public health orders, you may be eligible for protections under the Retail and Other Commercial Leases Regulation (COVID-19) 2021.

Under the Regulation, retail and commercial property owners must renegotiate rent with eligible tenants in good faith having regard to the leasing principles in the Code of Conduct and the economic impact of the COVID-19 pandemic. If parties are unable to come to an agreement, they must first attend mediation to try and resolve a lease dispute before a lessor can take certain actions against the lessee.

For more info, click here

地税减免和住宅支持补贴申请已开放

新州政府正式开放了针对商业物业业主和住宅业主的三项补贴申请,分别为:

  • 土地税减免(COVID-19 Land Tax Relief);
  • 商业物业困难金补贴(Commercial Landlord Hardship Fund);和
  • 住宅支持补贴(Residential Tenancy Support)

下面我们简单的对比一下三项补贴的针对的物业类型、申请人资质、减免额/补贴额,以及三项补贴之间可不可重复申请的限制。

对于同时符合以上A和C申请的住宅业主,新州州税局仅允许该类业主申请其中一项补贴。该类业主可自行评估补贴金额,并申请补贴金额较多的项目。

对于同时符合以上A和B申请的商业物业业主,新州州税局不允许该类业主同时申请这两项补贴。

另外,从2021年11月11日起,租客也可以申请住宅支持补贴。具体细则目前还未公布。

详情查看:

https://www.service.nsw.gov.au/campaign/covid-19-help-businesses/covid-19-assistance-commercial-and-residential-landlords

ASIC’s new reforms to the financial services industry

Six reforms will be implemented from October 2021, following recommendations from the royal commission into misconduct in banking, pensions and financial services and other investigations.

The new reforms and their start dates are as follows:

reform namestart date
Personal Documentation Review and Information Sharing Requirements for Financial Advisors and BrokersOctober 1, 2021
Violation Reporting and “Notify, Investigate and Remediate” ResponsibilitiesOctober 1, 2021
Design and distribution obligationsOctober 5, 2021
Restrictions on the unsolicited sale of financial products (touting)October 5, 2021
Deferred sales model for additional insurance productsOctober 5, 2021
Internal Dispute ResolutionOctober 5, 2021

The peddling reforms will give consumers more control over what products are offered to them and prevent consumers from being exposed to unwanted products over the phone or through other unsolicited contacts.

The reforms were enacted to provide consumers with long-term protection from the harms highlighted by the Royal Commission and to close previously existing regulatory gaps. The purpose is:

  • Consumer-centric product design is at the heart of the business model, and the target market is more transparent;
  • Reduce sales that occur when consumers are under pressure;
  • Increase the transparency of what goes wrong, in the form of complaints and the number of violations;
  • Be more consumer-centric and handle complaints in a timely manner.

The reforms will also provide ASIC with greater visibility into market issues through breach reporting, complaints data and data available under design and distribution obligations. This will help ASIC identify problems earlier and resolve them faster, reducing reliance on disclosures to address consumer harm. For more info, click here

ASIC 对金融服务业的新改革

根据皇家委员会对银行、养老金和金融服务业不当行为的建议和其他调查,六项改革将于2021年10 月开始实施。

新改革及开始日期如下:

改革名称开始实施日期
对财务顾问和经纪人的个人证明材料审查和信息共享要求2021年10月1日
违规报告及”通报,调查及弥补“责任2021年10月1日
设计和分销义务2021年10月5日
对主动销售金融产品(兜售)的限制2021年10月5日
附加保险产品的延期销售模式2021年10月5日
内部争议解决2021年10月5日

兜售改革将使消费者更好地控制向他们提供产品的情况,并防止消费者通过电话或其他不请自来的联系方式接触到不需要的产品。

颁布这些改革旨在为消费者提供长期保护,免受皇家委员会强调的危害,并弥补以前存在的监管差距。其目的是:

  • 以消费者为中心的产品设计是商业模式的核心,目标市场的透明度更高;
  • 减少消费者承受压力的情况下发生的销售额;
  • 以投诉和违规数量的形式,提高出现问题的透明度;
  • 更加以消费者为中心,及时处理投诉。

这些改革还将通过违规报告、投诉数据以及设计和分销义务下的可用数据,为 ASIC 提供更大的市场问题可见性。这将有助于 ASIC 更早地发现问题并更快地解决问题,减少对披露信息以解决消费者伤害的依赖。

详情查看

Super Contribution Changes

From 1 July 2021, the employer pension contribution rate will be increased to 10% and from 2025 to 12%.

In addition to the increase in the employer’s pension guarantee rate, the pension will also be adjusted in the following aspects from July 1, 2021:

  • the pre-tax pension contribution cap will be increased from $25,000 to $27,500;
  • the after-tax pension contribution cap will be increased from $100,000 to $110,000;
  • the limit on the balance of the self-managed pension individual account will be increased from $1.6m to $1.7m;
  • The current maximum contribution base is $57,090 per quarter for pre-tax wages, which means that employers will no longer be required to contribute to their employees’ pensions once their quarterly pre-tax wages exceed the above amount. Theoretically, this amount will also be raised every year, and the amount for the 2021-22 fiscal year has not yet been announced.

For more info:

Super guarantee percentage | Australian Taxation Office (ato.gov.au)

养老金供款要提高了!

从2021年7月1日起,雇主养老金保底供款率将提高至10%,到2025年至到12%。

除了雇主养老金保底供款率的提高之外,在2021年7月1日起养老金在以下几个方面也相应有调整:

  • 税前养老金供款上限将从$25,000提高到$27,500;
  • 税后养老金供款上限将从$100,000提高至$110,000;
  • 自管养老金个人账户余额上限将从$1.6m提高至$1.7m;
  • 目前最大供款基数为每季度税前工资$57,090,这意味着一旦季度税前工资超过上述金额,雇主将不再需要为员工缴纳养老金供款。理论上该金额每年也会上调,目前2021-22财年的金额尚未公布。

详情查看:

Super guarantee percentage | Australian Taxation Office (ato.gov.au)