关于RESP的问题

[zjh_helen]

有点急事要用钱。我可不可以从RRSP里取点钱出来，明年2月份之前再存回去？这样就等于不用交tax了是么？
谢谢

 

[dkwan]

RESP or RRSP?

 

[zjh_helen]

RRSP

 

[小猫和小象]

有点急事要用钱。我可不可以从RRSP里取点钱出来，明年2月份之前再存回去？这样就等于不用交tax了是么？

谢谢

不行的，从RRSP里取出的钱只有用于买房或读书才能免交税，其余的用途都不行，取出的钱都要算在当年的收入里交税。

 

[solitaire]

取出的时候银行就会把税扣了，30%吧。当然如果你今年收入低的话，这个钱明年报税时能部分或全部退回来。

 

[ccc]

银行预扣税。

提款金额不能再作为供RRSP的额度。

 

[zjh_helen]

银行预扣税。



提款金额不能再作为供RRSP的额度。

I won't use it as RRSP的额度.



I jsut called CRA, they answered my question.

If I take $5000 out of my RRSP, I have to pay 10% holding tax.

Then after I put the $5000 back before Next Feb., I will still get tax deduction from it.

So the affect is 0. eventually I don't need to pay any tax for this $5000.

I think a lot of people don't really understand this

 

[ChinaFarmer]

I won't use it as RRSP的额度.







I jsut called CRA, they answered my question.



If I take $5000 out of my RRSP, I have to pay 10% holding tax.



Then after I put the $5000 back before Next Feb., I will still get tax deduction from it.



So the affect is 0. eventually I don't need to pay any tax for this $5000.



I think a lot of people don't really understand this

What about the 10% holding tax?

 

[OCAC]

确实不用付税，但是就像村长说的，你取的$5000的rrsp 不能再create room了。也就是说你2月份放进去的$5000将会用掉你的$5000的room.

 

[OCAC]

What about the 10% holding tax?

10% holding tax 在你报税的时候可以返还。

 

[zjh_helen]

What about the 10% holding tax?

You pay first when you withdraw the money, but eventually you get it back if you put the money back before the the end of next Feb.

 

[zjh_helen]

确实不用付税，但是就像村长说的，你取的$5000的rrsp 不能再create room了。也就是说你2月份放进去的$5000将会用掉你的$5000的room.

Ok, I got it
Thanks a lot!

 

[ccc]

这算的什么帐啊！

假如你不提这$5,000，明年二月前供RRSP$5,000，会是怎么个情况？

 

[ccc]

确实不用付税，但是就像村长说的，你取的$5000的rrsp 不能再create room了。也就是说你2月份放进去的$5000将会用掉你的$5000的room.

预扣的税，那不是付税？

算的什么帐啊。