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枫下家园 / 钱财税务 / 请教旧房出租税务问题-- 旧房已paid off,又买一新房,用旧房做re-finance贷款,做新房首付,旧房出租。问: 这种情况在报税时,旧房的贷款利息是否可以抵扣租金收入? 谢谢!如题,谢先。
-mkhxl(mk);
2014-5-3
{12}
(#8742467@0)
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NO NO NO
-redwine888(@t@);
2014-5-3
(#8742513@0)
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May I ask why?
-mkhxl(mk);
2014-5-3
(#8742662@0)
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Please read the example on CRA document on rental income form 776 page 12 on line 8710-interest. It's quite clear you cannot deduct the refinancing interest if you use the refiancing to paydown your principal residance,
-livemylife(静水深流);
2014-5-6
(#8747960@0)
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Read. Agreed. Crying...
-mkhxl(mk);
2014-5-7
(#8751139@0)
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quote listed below from the CRA document. Hope it helps"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."
-livemylife(静水深流);
2014-5-6
{499}
(#8747970@0)
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可以。
-snowdance(江南一剑);
2014-5-3
(#8742666@0)
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sorry, 看贴太快了。 是不可以的。
-snowdance(江南一剑);
2014-5-6
(#8747986@0)
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No. The purpose of the loan is to pay for your *new* principal residence.
-jeffrey815(Smartiecat);
2014-5-3
(#8742741@0)
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我也遇到同样问题。下面是看到的一个会计师的贴子(题目是如何正确申报出租收入(三))。CRA讲了原则,即Refinancing的钱的目的必须是投资,但没有具体到这个新旧房的问题。请高手指教。
-david.liu888(SuperTranslator);
2014-5-5
{567}
(#8746539@0)
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我认为只要你能证明你refinance 的目的是用于投资, 支出的利息就能抵税。我觉得mkhxl的case可以。
-glacier_in_banff(glacier);
2014-5-5
(#8746864@0)
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这个会计师既然这样说,那就不是空穴来风。在这种事情上不能马虎,被罚就惨了。Google了几篇英文的。有个法律老外列出的情况与此完全一样,他建议卖出小房子。还有个做报税的老外,建议是在买小房一开始就存现金,而不是偿还小房的贷款,用现金买大房子。总之,这个会计师说的很大可能是对的。
-david.liu888(SuperTranslator);
2014-5-6
{232}
(#8747523@0)
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同样有这个问题,看到financialpost教怎么做,看起来挺麻烦,不知道有人没有人在安省做过,而且父母是探亲来加拿大的,能做么,方法进内
-happyallday(happyallday);
2014-5-8
{1137}
(#8752123@0)
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这不还得付LTT?
-fishwalker(walker);
2014-5-10
(#8757265@0)