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Post by jasperlin
如果不是在RRSP里,贷款的利息可以用来作为INVESTMENT INCOME 的DEDUCTION.
但是贷款买RRSP,RRSP里的INCOME是TAX DEFERRED,所以利息不能作为INVESTMENT INCOME 的DEDUCTION,
但你贷款总是要还的,既然你没钱买RRSP,那怎么来还呢? 如果分期还,那总体产生的利息和你省的税比较过吗? 既然你能分期还,那为何不能分期储蓄下来的钱,到年底买RRSP?那不就省下利息了?羊毛出在养身上.
Sorry, I am in office and I can only type in English.
I did that on my accountant's suggestion because if I had not bought RRSP before filing the tax return I would have to pay more income tax that year, which was certainly not my intention. But at that moment, my family just bought a depanneur and I was short of cash, so the only solution is to borrow some money to buy the RRSP. As you said, I cannot use the interests to deduct the tax, but I saved a few thousands dollars income tax. Above all, I could pay back the loan in a short time so the interest I paid was much lower than the tax saved. |
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