多倫多生活討論區 109 一 Trump 2025 大勝!
唔上吾落
1001 回覆
6 Like
14 Dislike
絕對唔郁tfsaacct
睇下到時儲唔儲到d再套d margin la
睇下到時儲唔儲到d再套d margin la
你今年攞完，1月就reset 個quota 啦
Go to your bank to apply for a line of credit.
睇怕都係呢個方法比較岩我
又借唔到香港錢
又借唔到香港錢
realtor.ca見到附近最平好似$2000左右
line of credit has no charges until you start drawing from it.
you can apply ahead of time now.
you can apply ahead of time now.
我而家又未交稅 咁早draw出黎?
問完幾多錢息，你就會後悔
you can apply NOW
there should be NO charges until you start to make withdrawal.
there should be NO charges until you start to make withdrawal.
咁其實擺rrsp之後再拎出來係咪叫做避到少少稅e.g. 我今年賺左50k capital gain
/2 = 25k
我放25k 係rrsp
再hbp拎番出來 咁理論上我呢50k 係呢一刻係可以唔駛交稅
HBP 要買樓先攞到，得一次架
，得一次架係但都叫做避到一次 ？Tax planning is very complicated.
I have seen many tax planning in my 40 years career in taxation. I am a tax specialist myself What you suggest doesn't work.
Do you have $25,000 RRSP contribution room available?
Capital Gain will not increase your contribution room..
HBP can not be use for the purpose you indicated.
There are conditions for using the HBP.
One of them is you must buy a qualify principal residence within one year.
https://www.fidelity.ca/en/insights/articles/how-home-buyers-plan-work/#:~:text=Basic%20eligibility&text=You%20must%20be%20a%20resident,after%20buying%20or%20building%20it.
If you take money out of RRSP from HBP, you have to pay back within 15 years
https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan/repay-funds-withdrawn-rrsp-s-under-home-buyers-plan.html
By the way, you may be subject to tax instalment interest on the taxes
when you incurred those taxable capital gain.(assume the taxes on the taxable capital gain exceeded $3,000) A note of caution, depending on how long and how often you trade these stocks, CRA may considered them as INCOME Gain and the full amount is taxable.
I have seen many tax planning in my 40 years career in taxation. I am a tax specialist myself What you suggest doesn't work.
Do you have $25,000 RRSP contribution room available?
Capital Gain will not increase your contribution room..
HBP can not be use for the purpose you indicated.
There are conditions for using the HBP.
One of them is you must buy a qualify principal residence within one year.
https://www.fidelity.ca/en/insights/articles/how-home-buyers-plan-work/#:~:text=Basic%20eligibility&text=You%20must%20be%20a%20resident,after%20buying%20or%20building%20it.
If you take money out of RRSP from HBP, you have to pay back within 15 years
https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan/repay-funds-withdrawn-rrsp-s-under-home-buyers-plan.html
By the way, you may be subject to tax instalment interest on the taxes
when you incurred those taxable capital gain.(assume the taxes on the taxable capital gain exceeded $3,000) A note of caution, depending on how long and how often you trade these stocks, CRA may considered them as INCOME Gain and the full amount is taxable.
加紙
今日係咪好凍？
都係唔出街算 冇錢
都係唔出街算 冇錢
1. 我有呀, 2023年我有31k contribution room
2. 係呀我係想買樓果陣拎出來
3. 我知呀 但你有15年時間慢慢還番入去 其實係抵架喎成件事
我成個idea 就係唔想一炮過比一筆錢個垃圾政府洗 反正交去cra 佢都係比人昆走
反而last 果點真係好撚痴線 點解我要提前找比佢
2. 係呀我係想買樓果陣拎出來
3. 我知呀 但你有15年時間慢慢還番入去
其實係抵架喎成件事我成個idea 就係唔想一炮過比一筆錢個垃圾政府洗 反正交去cra 佢都係比人昆走
反而last 果點真係好撚痴線 點解我要提前找比佢
You can calculate your marginal rate using this calculator
https://www.wealthsimple.com/en-ca/tool/tax-calculator/ontario
You may have to consider whether it is worth using your RRSP to cover your capital or income gain.
https://www.wealthsimple.com/en-ca/tool/tax-calculator/ontario
You may have to consider whether it is worth using your RRSP to cover your capital or income gain.
過多兩三星期都聖誕啦