想问问过来人的意见（关于父母与儿女安居）

[xuxu]

回答你的人TIFF肯定是学过会计的。只有学过的人才能看出专业不专业，反而是你们没学过的凭感觉和听别人讲的误导大家。没有挑衅的意思啊，只是以事论事

我的答案是我会计师给的，你是说我开业多年的会计师和他的会计所误导我了？你可以解释你所说的概念吗，既然说了，就说透了，愿意多学习。

 

[TIFF]

请看清楚我的回复。我说如果lz如果要选择申报rental property的话，……。
他可以申报，但得按市场价申报收入

你看刘姐姐的回复，就知道她基本的概念都没有。你跟她说不通的，只会越说越让她糊涂，因为问题又会引出问题，问题又会引出问题。。。你有信心把她速成为税务专家吗？咱别在这费力不讨好了。

 

[挺傻]

买的房子是你的名下的话，父母真的付租金吗？
如果不付的话，你什么都不用报。如果只是象征意义的付，不是市场价格，你也可以不报。只要他们报税的时候也不报是租房收取tax credit就行。
如果你想报费用，房租就要按照市场价格报，作为收入。


老人住的远近要看你说的近和远是什么概念了。我个人认为不在一条街，但步行范围内比较好。各自有各自的生活，又可以相互照顾。

 

[TIFF]

我的答案是我会计师给的，你是说我开业多年的会计师和他的会计所误导我了？你可以解释你所说的概念吗，既然说了，就说透了，愿意多学习。

你的会计师是经过多年的学习和实践来的，不会是去找别的会计师那儿报了一两次税就可以自己开业，指导别人了。会计师会根据你的情况告诉你你应该知道的，用在你的case是正确的一些零星片段的知识，怎么理解，应用那些知识在你个人。

 

[Anakin]

买的房子是你的名下的话，父母真的付租金吗？
如果不付的话，你什么都不用报。如果只是象征意义的付，不是市场价格，你也可以不报。只要他们报税的时候也不报是租房收取tax credit就行。
如果你想报费用，房租就要按照市场价格报，作为收入。


老人住的远近要看你说的近和远是什么概念了。我个人认为不在一条街，但步行范围内比较好。各自有各自的生活，又可以相互照顾。

都别吵了。。。。标准答案来了。。。

 

[Anakin]

我就不引下来会你贴。。。少赚２块吧。。。哈哈哈哈。。。

 

[TIFF]

 

[挺傻]

为了严谨一些，找到cra的guide.
Cra是这样说的，
Renting below fair market value
You can deduct your expenses only if you incur them to earn income. In certain cases, you may ask your son or daughter, or another relative living with you, to pay a small amount for the upkeep of your house or to cover the cost of groceries. You do not report this amount in your income, and you cannot claim rental expenses. This is, in fact, a cost-sharing arrangement, so you cannot claim a rental loss.
If you lose money because you are renting a property to a relative for a lower rate than you would rent it to other tenants, you cannot claim a rental loss. When your rental expenses are consistently more than your rental income, you may not be allowed to claim a rental loss because your rental operation is not considered to be a source of income. However, you can claim a rental loss if you are renting the property to a relative for the same rate as you would charge other tenants and you reasonably expect to make a profit.


在这个guide的第十六页。
http://www.cra-arc.gc.ca/E/pub/tg/t4036/t4036-12e.pdf

 

[Anakin]

为了严谨一些，找到cra的guide.
Cra是这样说的，
Renting below fair market value
You can deduct your expenses only if you incur them to earn income. In certain cases, you may ask your son or daughter, or another relative living with you, to pay a small amount for the upkeep of your house or to cover the cost of groceries. You do not report this amount in your income, and you cannot claim rental expenses. This is, in fact, a cost-sharing arrangement, so you cannot claim a rental loss.
If you lose money because you are renting a property to a relative for a lower rate than you would rent it to other tenants, you cannot claim a rental loss. When your rental expenses are consistently more than your rental income, you may not be allowed to claim a rental loss because your rental operation is not considered to be a source of income. However, you can claim a rental loss if you are renting the property to a relative for the same rate as you would charge other tenants and you reasonably expect to make a profit.


在这个guide的第十六页。
http://www.cra-arc.gc.ca/E/pub/tg/t4036/t4036-12e.pdf

MARK

 

[向问天]

出租房子不能年年亏钱的。CRA不是傻子。

 

[Anakin]

出租房子不能年年亏钱的。CRA不是傻子。

YES...
因为谁都不是傻子，所以别老以为别人是傻子。。。跟CRA抖心眼儿是真傻子。。

 

[passionoflife]

多谢大家。我来总结一下哈。
先补充一下，其实父母是想住在老人公寓的。可是这年头一等就是几年，耗不起啊。所以不得已想到先买个房子给老人住（都是工薪，房子动不动就是二十万以上，谁没事喜欢多买个房子，每个月还得多付莫给及）。其实在一起几倍几倍也行，可是父母和我们都觉得，虽然我们关系很好，可是两辈人住在一起，其实对各自生活的确有影响。而且父母肯定会帮我们干这个，干那个。父母这个年龄，不该在帮我们瞎折腾啊。

看起来我有两个选择，一是出租给父母。For fair market value, 租金不太可能比开支低，所以弄到最后，反而是extra income。二是不申报为rental property. 对自己的income影响为零。


两者看来，第二更好.

 

[passionoflife]

向大家汇报一下，刚刚问了CRA,和大家讲的一样。把房子给别人住，不收取rent,这个房子就不是rental property，所以就不可以申报rental related costs.
其实现在想想，理该如此。这样是有道理的。
再次谢谢大家！

 

[ccc]

向大家汇报一下，刚刚问了CRA,和大家讲的一样。把房子给别人住，不收取rent,这个房子就不是rental property，所以就不可以申报rental related costs.
其实现在想想，理该如此。这样是有道理的。
再次谢谢大家！

Of course not.

 

[xuxu]

I think this is bottom line for anyone who wants to claim expenses for their rental property.

为了严谨一些，找到cra的guide.
Cra是这样说的，
Renting below fair market value
You can deduct your expenses only if you incur them to earn income. In certain cases, you may ask your son or daughter, or another relative living with you, to pay a small amount for the upkeep of your house or to cover the cost of groceries. You do not report this amount in your income, and you cannot claim rental expenses. This is, in fact, a cost-sharing arrangement, so you cannot claim a rental loss.
If you lose money because you are renting a property to a relative for a lower rate than you would rent it to other tenants, you cannot claim a rental loss. When your rental expenses are consistently more than your rental income, you may not be allowed to claim a rental loss because your rental operation is not considered to be a source of income. However, you can claim a rental loss if you are renting the property to a relative for the same rate as you would charge other tenants and you reasonably expect to make a profit.


在这个guide的第十六页。
http://www.cra-arc.gc.ca/E/pub/tg/t4036/t4036-12e.pdf