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标题: 请教RRSP与退税的问题 [打印本页]

作者: villo 时间: 2009-2-7 20:16
标题: 请教RRSP与退税的问题
请问rrsp是买得越多税就退得越多吗，如年薪6万3，没有小孩，有代款买房

作者: needlaurel 时间: 2009-2-7 20:31
我给你简单地说一下。

你的限量是你的2007年的收入乘以18%.不过，你只需要看到2007税务年度联邦税务局给的发的notice of assessment就行了。上头写着最高限量。比如说你得税前收入63000块，你已经被扣掉了17622块，如果你买1万块钱RRSP，那你可以得到10000*38.37%=3837块钱的退税。你如果多买的话也行，但是最多多买2000块，而且这两千块不能用来抵税。如果还有问题，请来电：514-5812231，小曹。

作者: villo 时间: 2009-2-7 22:08
谢谢你，小曹。所以我的理解是应该买18%的rrsp就能得到最大额度的退税，是吗？这只与工资有关，与其它因素（工资的高低，配偶的收入，结婚与否，有无小孩，是否代款买房...）都无关吗？

作者: needlaurel 时间: 2009-2-8 08:54
一般来讲，你的工作收入越高，你的RRSP退税率就越高，但是你想得到多少退税和你的整体家庭状况有关。比如说，你的学费，月票，配偶不工作，小孩，配偶是否在上学，配偶的学费可以给你用来抵税，父母移民过来有你来赡养，捐款，医药费等诸多方面都可以用来抵税。

我现在不清楚你的整体状况。你想全面了解的话，请来电，这样我可以讲得清楚些。

Post by villo
谢谢你，小曹。所以我的理解是应该买18%的rrsp就能得到最大额度的退税，是吗？这只与工资有关，与其它因素（工资的高低，配偶的收入，结婚与否，有无小孩，是否代款买房...）都无关吗？

作者: montrealpost 时间: 2009-2-8 09:03
Check your federal return last year, the letter that the government sent u. The amount that u can buy for last year is BASED ON your reportED income the year before.

There is already a max. amount that u are allowed to buy(cumulative if u don't use it). Call the Tax office if u can't find the info(max. amount).

作者: needlaurel 时间: 2009-2-11 12:49
2007年的限量如果只有4000块的话，你最多可以多买2000块，也就是6000块。那多买的2000块不能申报，你只能申报4000块。如果你2008年的限量是14000的话，那你最多买12000。

作者: montrealpost 时间: 2009-2-11 15:33
Yes, just buy 8000.

p.s. there is PENALTY if u purchase more than your RRSP limit. (多买要付[color="Red"]罚金)

Post by c.otherstuff;2149975
Let's say my RRSP limit for 2007 is 4000, but I bought 10000 and claimed 4000 of course.
My RRSP limit for 2008 is 14000. Do I need to buy 14000 in full or I can just buy 8000 since I have 6000 leftover from 2007.

作者: needlaurel 时间: 2009-2-11 16:18
老兄，超过限量2000以上就要吃罚金，那你还多买它干吗？:cool:

Post by montrealpost;2150237
Yes, just buy 8000.

p.s. there is PENALTY if u purchase more than your RRSP limit. (多买要付罚金)

作者: liaotian2008 时间: 2009-2-12 12:11

Post by needlaurel;2148232
我给你简单地说一下。

你的限量是你的2007年的收入乘以18%.不过，你只需要看到2007税务年度联邦税务局给的发的notice of assessment就行了。上头写着最高限量。比如说你得税前收入63000块，你已经被扣掉了17622块，如果你买1万块钱RRSP，那你可以得到10000*38.37%=3837块钱的退税。你如果多买的话也行，但是最多多买2000块，而且这两千块不能用来抵税。如果还有问题，请来电：514-5812231，小曹。

我想请教needlaurel一下：
38.37%这个税率是怎么得到？
10000*38.37%=3837$是联邦和魁省因为买RRSP退税的总和吗？
谢谢。。。

作者: needlaurel 时间: 2009-2-12 14:58
我有收入税率表，查出来的。你想知道你的情况，给我打电话吧。

Post by liaotian2008;2151274
我想请教needlaurel一下：
38.37%这个税率是怎么得到？
10000*38.37%=3837$是联邦和魁省因为买RRSP退税的总和吗？
谢谢。。。

作者: lanyu 时间: 2009-2-16 09:45
As I know, RRSP can be used to deduct the income you earned, as a result, the taxable income will be decreased and you can pay less on the income tax.
So RRSP is just like a non-refundable tax credit, but not a refundable credit.
That's why I dont understand why you say people can get refund from the government because you buy RRSP and also you have the formula to calculate the amount ??

作者: Lulu39 时间: 2009-2-16 10:06

Post by lanyu;2155701
As I know, RRSP can be used to deduct the income you earned, as a result, the taxable income will be decreased and you can pay less on the income tax.
So RRSP is just like a non-refundable tax credit, but not a refundable credit.
That's why I dont understand why you say people can get refund from the government because you buy RRSP and also you have the formula to calculate the amount ??

RRSP 既不是 like a non-refundable tax credit，也不是 a refundable credit，
而是直接从Total Income 中减去，使得 Net Income 的数额变小，所以能少赋税。

作者: Montreanr 时间: 2009-3-6 20:14
Let's say my RRSP limit for 2007 is 4000, but I bought 10000 and claimed 4000 of course.

Then you have $6,000 to carry forward, but the first $2,000, CRA will not charge you penalty, for the $4,000 of excess $2,000, you will be charged penalty of 1% per month.

My RRSP limit for 2008 is 14000. Do I need to buy 14000 in full or I can just buy 8000 since I have 6000 leftover from 2007.

1. youn need deduct the C/F amount of $6,000
2. your left room is $8,000, you can purchase the full amount,
3. you purchase another extra $2,000 without penalty.
so, total=8,000+2,000=10,000

Post by c.otherstuff;2149975
I have one question, please advise.
Let's say my RRSP limit for 2007 is 4000, but I bought 10000 and claimed 4000 of course.
My RRSP limit for 2008 is 14000. Do I need to buy 14000 in full or I can just buy 8000 since I have 6000 leftover from 2007.

Please let me know.

Thank you.

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