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@Manitoba

renew 多贷出来的钱不用报收入，但如果多贷出来的钱不是投资用的，这部分的利息不能计入投资房的成本。你希望能多些成本，少交些税，但CRA的规定，这样是不行的。请看CRA的Rental Income Guide

rattledrum(小鼓)
You might refinance your rental property to get money for
a reason other than buying or improving your rental
property. If you use the funds for a business or other
investments, you may be able to claim the interest expenses
on Schedule 4. See line 221 in the General Income Tax and
Benefit Guide, or the “Expenses” chapter in Guide T4002,
Business and Professional Income. If the funds are for personal
use, you cannot deduct the interest expenses.
You were asking?
Q. I own and rent a semi-detached house. This year,
I refinanced the property to increase the mortgage
because I needed money for a down payment on my
personal residence. Can I deduct the additional interest
on the mortgage against my rental income?
A. No. You are making personal use of the funds you got
from refinancing your rental property. As a result, you
cannot deduct the additional interest when you calculate
your net income or loss from your rental property
(#9843566@0)
Last Updated: 2015-12-21
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Replies, comments and Discussions:

  • 枫下家园 / 钱财税务 / 请教一个关于投资房税务的问题.在renew贷款的时候将投资房增值的部分拿了几万块,这个钱需要在当年报收入吗? -just4u1234(sugartang); 2015-11-25 (#9793986@0)
    • 你房贷要付税吗？如果这个几万不用你还就要赋税，要你还的话付哪门子税，又不是你的收入 -akoei(停车**枫林晚); 2015-11-30 (#9801186@0)
      • 不是太明白，能解释的详细一点吗?谢谢。 -just4u1234(sugartang); 2015-12-11 (#9824647@0)
        • 再按揭你貌似是拿出钱来了，但是这个钱是银行借你的，你不仅要还的，还要付利息，不是收入。当然，你要非填在收入里面，CRA也不会理你，那就要交税了 -akoei(停车**枫林晚); 2015-12-14 (#9828137@0)
    • 房贷renew，房子又没卖掉吧？只不过是银行愿意多借给你钱而已，哪有为借到的钱付税的道理？ -snow123456(雪中漫步); 2015-11-30 (#9801781@0)
    • 新增加的贷款如果不是用于投资，这部分的钱产生的利息不能从投资收入中作为成本扣除。比如原有贷款20万，年利息5000，现在贷款变成30万，利息7500，能算成投资成本的部分只能是5000。 -rattledrum(小鼓); 2015-11-30 (#9802029@0)
      • 啊!这是为什么呀?我就是想将投资成本增大来抵消收入的呀! -just4u1234(sugartang); 2015-12-13 (#9827455@0) +1
        • 税务局觉得你投资挣钱了就该交税的呀。 -rattledrum(小鼓); 2015-12-16 (#9834799@0)
    • 房子没卖，不用交税。 -snowdance(温柔一刀); 2015-12-13 (#9827992@0) +1
    • 知道了，就是说等到我卖这套房子时才交税是吗?现在全部贷款利息都可以报税是吗? -just4u1234(sugartang); 2015-12-17 (#9837937@0)
      • renew 多贷出来的钱不用报收入，但如果多贷出来的钱不是投资用的，这部分的利息不能计入投资房的成本。你希望能多些成本，少交些税，但CRA的规定，这样是不行的。请看CRA的Rental Income Guide -rattledrum(小鼓); 2015-12-21 {954} (#9843566@0)
        You might refinance your rental property to get money for
        a reason other than buying or improving your rental
        property. If you use the funds for a business or other
        investments, you may be able to claim the interest expenses
        on Schedule 4. See line 221 in the General Income Tax and
        Benefit Guide, or the “Expenses” chapter in Guide T4002,
        Business and Professional Income. If the funds are for personal
        use, you cannot deduct the interest expenses.
        You were asking?
        Q. I own and rent a semi-detached house. This year,
        I refinanced the property to increase the mortgage
        because I needed money for a down payment on my
        personal residence. Can I deduct the additional interest
        on the mortgage against my rental income?
        A. No. You are making personal use of the funds you got
        from refinancing your rental property. As a result, you
        cannot deduct the additional interest when you calculate
        your net income or loss from your rental property
      • 原来你在这等着呢。P+2的利息和至少20%的收入税，你以为CRA是一群白痴啊 -akoei(停车**枫林晚); 2015-12-21 (#9844453@0)

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