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枫下家园 / 钱财税务 / 11年用RRSP-HBP买的房,税务去年通知,现在报税要还1/15,问这每年还的1/15是不是也要占用RRSP供款额度?
-ygzhuang(东四环);
2014-3-11
(#8646993@0)
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应该不占吧,否则讲不通啊
-forroomrent(无忧小核桃);
2014-3-11
(#8647023@0)
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看来你也不确定。我来解释一下吧:RRSP钱买房,相当于政府允许你先借用你RRSP的钱用,然后允许你15年内必须放回去。当年你买RRSP时,你已经用哪个额度低过税,你现在是往回还,当然不占你现在的RRSP指标。举个例子:你今年买5000刀RRSP,如果政府要求你今年还600刀,那你今年的抵税额度就只是4400刀,虽然你买了5000刀。
-zbeifly(不是爱风尘似被前缘误);
2014-3-11
{97}
(#8647061@0)
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不占。它被算着Repayment under HBP,而且你会发现它实际被算着当年的RRSP Income。所以HBP实际上是要补税的。
-albert2008(albert);
2014-3-11
(#8647052@0)
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是这样的。可我就不明白为什么repay的时候要算收入还补税。那将来退休后从rrsp取出时还要再算一次收入,再交税,不时double了吗?
-lachine(BJ);
2014-3-11
(#8647229@0)
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你弄反了吧,每年按1/15 补交回去,不补交足够的金额话会算作收入要补税。
-xiangpishu(橡皮树);
2014-3-11
(#8647395@0)
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When you withdraw rrsp for your first housing buy, did you do it as income? I guess no
-zwmca(实话实说);
2014-3-11
(#8647427@0)
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no, it was not income. otherwise, you didn't do right way as hbp
-zwmca(实话实说);
2014-3-11
(#8647411@0)
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反正我就是按照NOA上的要求2013年开始还。用studio tax报税,在hbp repayment那一栏上填上数,它自动就给我放到taxable income里去了。这是我第一次还款,所以很困惑。
-lachine(BJ);
2014-3-12
(#8649343@0)
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反正你就是让studio tax牵着鼻子走。你要是用10种软件报税大概能报出10种结果。
-jameschen6(梦想农庄-秋高气爽);
2014-3-12
(#8649354@0)
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Yes, for example, when you buy rrsp $6000, then repay $1000, only $5000 reduction, same as taxable income rise $1000.
-zwmca(实话实说);
2014-3-12
(#8649399@0)
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$5000 for 2013 can deduct tax, $1000 for repayment cannot deduct tax because it deducted tax before. otherwise $1000 deduct tax twice.
-zwmca(实话实说);
2014-3-12
(#8649407@0)
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那这1000也不能加到我的income上啊。这样的话,这1000有要交税。
-lachine(BJ);
2014-3-13
(#8650156@0)
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If you didn't buy any rrsp between jan 2013-feb 2014, your taxable income will add the minimum repayment.
-zwmca(实话实说);
2014-3-12
(#8649414@0)
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还要注意这个Repayment under HBP一定要买给你自己,而不能是SPOUSAL RRSP, 否则还是算你当年的收入
-littlesquirrel(小松鼠);
2014-3-13
(#8650266@0)