加拿大理財討論區

咁更加好 反正我覺得我退休個日都唔會有1m

ib 其實都有月供，但限美股，不過換錢都唔係好貴

我香港用FT 買美股，黎左加洗唔洗轉入加
定分開有So

幾年前香港開，等我睇下點搞先

FHSA 四年內唔可以有物業
海外唔知計唔計

我係香港都有物業，唔知仲夠唔夠資格開FHSA

我頭先睇，好似4年內居住地有唔開得
不過都要再問下銀行or各位巴打

You did not live in a qualifying home (or what would be a qualifying home if located in Canada) as your principal place of residence that you owned or jointly owned in this calendar year or in the previous 4 calendar years.


A qualifying home is a housing unit located in Canada. This includes existing homes and those being constructed.

有好多人整係做定期嘅話，就會開喺銀行

佢會建議你關閉account

感謝巴打，即刻冇問題
因為我見有D寫居住地

Spouse 都計，結婚前賣都當好似

VPN IS KING

where do you see it count as qualifying home?

岩岩同腦細傾左幾句，佢話海外物業都計

https://www.ggw.net/how-first-home-savings-account-fhsa-works-for-canadian-immigrants-us-citizens-and-those-who-emigrated-from-canada/

To be eligible for FHSA, you should be a resident and a first home buyer. Immigrants should also consider any home property in their earlier country and whether it would be a qualifying property if it were located in Canada. Immigrants shouldn’t own such a foreign home in the preceding four calendar years when opening an FHSA. If you meet this eligibility, you can open FHSA and start contributing tax-free.

但要留意有冇人可以保證10年後capital gain依然係50% taxable?

除非你退休先諗住拎返筆錢
如果唔係到時拎出黎俾仲多稅 given that 人工supposed會越黎越高
除非你expect自己人工唔變

FHSA 四年內唔可以有物業
海外唔知計唔計

我係香港都有物業，唔知仲夠唔夠資格開FHSA

You did not live in a qualifying home (or what would be a qualifying home if located in Canada) as your principal place of residence that you owned or jointly owned in this calendar year or in the previous 4 calendar years.


A qualifying home is a housing unit located in Canada. This includes existing homes and those being constructed.

感謝巴打，即刻冇問題
因為我見有D寫居住地

注意紅字

第一段個括號入面