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Possible to make it tax dedutible, if you have sufficient other non-registered investment assets

caohe(bunny)

Say if you have some other non-registered investment (e.g., stocks)
Step 1: refinance the old rental property
Step 2: use the borrowed money from step 1 to buy the same or similar non-registered investment (new investment)
Step 3: sell the old/existing non-registered investment
Step 4: use the proceeds from step 3 to repay the mortgage on the new principal residence of which the interest is not tax deductible.

If you have sufficient non-registered investment, then the above steps could achieve what you want. Of course you may incur some other costs such as tax on capital gain on the disposition of the existing investment, if any.

(#11580782@0)
Last Updated: 2018-6-13
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枫下家园 / 钱财税务 / 如何把贷款余额从主住宅转移到投资房？ -thepiccolos(ThePiccolos); 2018-6-11 {224} (#11577202@0)
投资房是很早以前买的小房子，当时不懂傻傻地还的还剩一点点；主住宅是后来再贷款买的，导致现在投资房租金交重税。请问这种局面还有办法补救吗？有什么办法在不再买卖的情况下，把贷款余额从主住宅转到投资房上吗？谢谢各位朋友们出主意了！

In short, I believe you can not. -babyface(★☆给点儿阳光就灿烂); 2018-6-11 (#11577235@0) +2

thank u！ -thepiccolos(ThePiccolos); 2018-6-11 (#11577619@0)

住回去， -googlebot(bot); 2018-6-11 (#11577238@0) +1

谢谢回复！ -thepiccolos(ThePiccolos); 2018-6-11 (#11577620@0)

Possible to make it tax dedutible, if you have sufficient other non-registered investment assets -caohe(bunny); 2018-6-13 {645} (#11580782@0)
Say if you have some other non-registered investment (e.g., stocks)
Step 1: refinance the old rental property
Step 2: use the borrowed money from step 1 to buy the same or similar non-registered investment (new investment)
Step 3: sell the old/existing non-registered investment
Step 4: use the proceeds from step 3 to repay the mortgage on the new principal residence of which the interest is not tax deductible.

If you have sufficient non-registered investment, then the above steps could achieve what you want. Of course you may incur some other costs such as tax on capital gain on the disposition of the existing investment, if any.

不太明白,为何不直接从1跳到4? -littlesquirrel(小松鼠); 2018-6-13 (#11581058@0)

走个过程，以示合理 -jameschen6(梦想农庄-因信称义); 2018-6-13 {151} (#11581269@0)
走1－2就可以了何必 3－4步呢。如果要回答lz的问题，是要1－4，但如果就投资总体来讲，1－2就行了，对于3－4，没有1－2，你都这样做了，有1－2，继续这样做何妨。
If just do step 1 and 4, then interest is NOT tax deductible -caohe(bunny); 2018-6-14 (#11582903@0)

@Manitoba

Possible to make it tax dedutible, if you have sufficient other non-registered investment assets

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