其實同RRSP借錢買樓，係會影響RRSP增長能力。不過如果無人肯借俾你，而RRSP係唯一既資源，咁就無法啦。
我嗰陣RRSP contribution係入哂喺spousal RRSP. 然後將成個first mortgage入落老婆既RRSP。其實好多人係將second mortgage擺入去。三年後全部還返俾RRSP，仲俾埋預先還錢既罰款俾RRSP。
多倫多生活討論區 111 一 祝聖誕同新年快樂-執齊啲嘢準備報稅啦!
CNTower
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我見過人借RRSP買樓。之後因為要還RRSP同埋養間屋，就連RRSP都無錢買。年年要俾多啲稅，RRSP 未用既 contribution room 多到十幾萬。以佢四十幾％既稅率，即係要俾多成六，七萬。
感覺人地唔想理你
一講交稅就頭痛
無錢交稅
無錢交稅
賺錢先有稅交
咁講還得起又供得到RRSP
咁咪著數?
咁咪著數?
供得起就得兩樣就最著數
請問一下，咩嘢叫做將mortgage 入落RRSP?
同埋唔知以下諗嘅嘢啱唔啱：
我成日都有種感覺係RRSP的確可以有tax referral 嘅benefit, 但係當要用錢拎出嚟嗰刻其實都係要俾番tax, 而人生要拎一大舊錢出嚟嘅可能係買樓買車（unplanned/ emergency嗰d就另計啦），咁其實到時都係要俾番稅，有機會人工繼續升嘅時候到時拎出嚟俾嘅稅其實多咗…
要一直唔需要動用RRSP嘅錢+真係退休嘅時候先拎出嚟（兩個條件符合哂）先至真係叫做拎到RRSP嘅benefit? (我assume RRSP內嘅投資收益-capital gain 又好，interest/ dividend income 都好，都要做稅架麻，咁同喺其他non reg account 做其實無分別）
同埋唔知以下諗嘅嘢啱唔啱：
我成日都有種感覺係RRSP的確可以有tax referral 嘅benefit, 但係當要用錢拎出嚟嗰刻其實都係要俾番tax, 而人生要拎一大舊錢出嚟嘅可能係買樓買車（unplanned/ emergency嗰d就另計啦），咁其實到時都係要俾番稅，有機會人工繼續升嘅時候到時拎出嚟俾嘅稅其實多咗…
要一直唔需要動用RRSP嘅錢+真係退休嘅時候先拎出嚟（兩個條件符合哂）先至真係叫做拎到RRSP嘅benefit? (我assume RRSP內嘅投資收益-capital gain 又好，interest/ dividend income 都好，都要做稅架麻，咁同喺其他non reg account 做其實無分別）
內文話用咗女事主個番梘沖涼，用女事主啲公仔做不雅動作
https://ca.finance.yahoo.com/news/how-you-can-hold-your-mortgage-in-your-rrsp-and-pay-yourself-instead-of-a-bank-190029083.html
Income inside a RRSP account are not taxable until you withdraw them.
Income are taxable in the year if there are from a non register account .
Income inside a RRSP account are not taxable until you withdraw them.
Income are taxable in the year if there are from a non register account .
Capital gain will not increase your RRSP contribution room. ONLY earned income can subject to certain limit.
Did you check if you have enough contribution room before you contribute to RRSP to reduce taxes on taxable capital gain?
Over contribution will subject to penalties.
Did you check if you have enough contribution room before you contribute to RRSP to reduce taxes on taxable capital gain?
Over contribution will subject to penalties.
有冇人用homesecurity system
有冇善用啲tax allowance
例如study allowance
例如study allowance有冇course係教人點慳稅
簡簡單單淨係攞張T4, 收吓利息咁既，就無乜太多方法慳稅.
[member
]乜鬼野呀
講緊個gain都係要打稅關個room咩事
yes I have. 30k per year
[/member]
]
乜鬼野呀講緊個gain都係要打稅關個room咩事
yes I have. 30k per year
[/member]
加拿大最on9 就係打工
Last Trading Date 2024
The last trading date for 2024 for Canadian and US publicly traded stocks that settle 1 day after the trading date is
Monday, December 30th,
in order to record the gain or loss in the 2024 taxation year. Stocks purchased or sold after this date are settled in 2025, so any capital gains or losses on sale apply to the 2025 tax year instead of to the 2025 tax year.
Since options also settle the day after trading date, the last day to trade options in order to record the gain or loss in the 2024 taxation year is Monday, December 30th. However, the timing of options gains and losses is a little more complicated. See Tax Treatment of Income from Investments in Call and Put Options.
The last trading date for 2024 for Canadian and US publicly traded stocks that settle 1 day after the trading date is
Monday, December 30th,
in order to record the gain or loss in the 2024 taxation year. Stocks purchased or sold after this date are settled in 2025, so any capital gains or losses on sale apply to the 2025 tax year instead of to the 2025 tax year.
Since options also settle the day after trading date, the last day to trade options in order to record the gain or loss in the 2024 taxation year is Monday, December 30th. However, the timing of options gains and losses is a little more complicated. See Tax Treatment of Income from Investments in Call and Put Options.
you may have to pay tax instalment if your net tax on sale of stock is over $3,000.
https://www.canada.ca/en/revenue-agency/services/payments/payments-cra/individual-payments/income-tax-instalments/who-pays-instalments.html
Required tax instalments for individuals
Who has to pay
You may have to pay tax by instalments if your income does not have enough tax withheld or if you are self-employed, have rental or investment income, certain pension payments, or have income from more than one job.
Factors to consider
There are two factors to help determine if you have to pay tax instalments:
Province or territory where you live
The province or territory where you live on December 31 determines your net tax owing for tax instalments.
All residents (except Quebec): Option 1 of 2
If your net tax owing is more than $3,000.
https://www.canada.ca/en/revenue-agency/services/payments/payments-cra/individual-payments/income-tax-instalments/who-pays-instalments.html
Required tax instalments for individuals
Who has to pay
You may have to pay tax by instalments if your income does not have enough tax withheld or if you are self-employed, have rental or investment income, certain pension payments, or have income from more than one job.
Factors to consider
There are two factors to help determine if you have to pay tax instalments:
Province or territory where you live
The province or territory where you live on December 31 determines your net tax owing for tax instalments.
All residents (except Quebec): Option 1 of 2
If your net tax owing is more than $3,000.
不過啱啱醒起計入境嗰日個價係loss嚟
咁咪出年扣capital gain囉.