多买的RRSP可以当返还HBP提取钱出来的RRSP么？
- 主题发起人 superlover
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ＨＢＰ是取钱的下一年才开始还，比如2012年买房取的，报2012年税时（你2013年9月才报）还不能还，税务局随2012NOA给你一张 HBP Statement，告诉你最少还多少，你到报2013年税时(就是现在)才能还。
如果你去年RRSP买多了，到2013年12月31日止，不算2014年买的，与2012NOA上2013 RRSP limit比较，算一下多买多少，减去2000，这一部分，可以填到 Schedule 7 HBP那儿，躲一下，免罚款。
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怎么理解life time 2000 的room？ 假如我有HBP的额度还没还的话？ 是不是只要我在第一次买房子之后年买的RRSP即使多出只要，不超过HBP额度+2000，都可以。
这些多出来的RRSP数额，我在我喜欢的那一年当作我抵税的RRSP，也可以当HBP的返还的一部分？
这些多出来的RRSP数额，我在我喜欢的那一年当作我抵税的RRSP，也可以当HBP的返还的一部分？
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http://www.cra-arc.gc.ca/E/pbg/tf/t1-ovp/t1-ovp-13e.pdf
2013 Individual Tax Return for RRSP Excess Contributions
• If you made excess contributions to a registered retirement savings plan (RRSP) or a specified pension plan (SPP) you may have
to pay a 1% tax on your excess contributions for every month they are left in the plan. For more information concerning excess contributions, see "Taxon RRSP excess contributions" in Guide T4040, RRSPs and Other Registered Plans for Retirement.
• If your 2013 unused RRSP contributions are subject to tax, you have to complete and send this return with your payment to your
tax centre no later than 90 days after the end of the tax year.
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http://business.financialpost.com/2012/01/11/did-you-over-contribute/
RRSPs: Did you over-contribute?
Here are some tips from H&R Block about over-contributions in your RRSP:
• You can over-contribute to your RRSP by up to $2,000 without being penalized. However, you cannot claim a deduction for the excess amount.
• If you over-contribute by more than $2,000, you are subject to a one per cent penalty tax for each month you are in excess of that. You have to complete a T1-OVP Individual Tax Return for RRSP Excess Contributions to calculate the amount of the over-contribution and penalty tax. This form must be filed, and the tax remitted, within 90 days from the end of the year (March 30, 2012 if there was an excess amount in the plan at the end of a month in 2011.)
• You can request a waiver of the penalty tax if:
o The excess amount arose as a consequence of reasonable error; and
o You can demonstrate that you are taking reasonable steps to eliminate it.
o You can demonstrate that you are taking reasonable steps to eliminate it.
• If you discover that you have over-contributed, you should try and withdraw the excess amount as soon as possible. Although you must include the withdrawal in income on your tax return, you can claim an offsetting deduction as long as you do so within the required time frame and the following conditions are met:
o You reasonably expected to be able to claim a deduction for the contribution, either in the year you made the contribution or the year before; and
o You did not make the contribution with the intention of later withdrawing it and deducting the offsetting amount.
o You did not make the contribution with the intention of later withdrawing it and deducting the offsetting amount.
• You can ask the Canada Revenue Agency (CRA) to certify the amount of the excess contribution using Form T3012A. The financial institution will release the funds without withholding tax with this certified form.
• Without a T3012A, you can still withdraw the excess amount but the financial institution will withhold tax. Use Form T746 when you file your tax return to claim the offsetting deduction and a credit for the tax withheld.
村长给的pdf连接，搜索 Home Buyers，就出现在一个地方，看看那句话：
[在计算买多了多少的时候]Do Not Include ... contributions you made to your RRSPs that you designated as repayments under the Home Buyers' Plan or the Lifelong Learning Plan;
比如买多了10000， 如果把8000$ designate as repayment under HBP，就 do not include了，前提是 HBP里有8000以上的balance，这钱 repay进去，就出不来了，还掉就是还掉，不能再从HBP掏钱。
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