请教：房子贷款利息可以用来减税？

[Ayin_Ottawa]

见一帖说要用mortgage的利息减税。俺就惊奇在加拿大可以这样做吗？
http://bbs.comefromchina.com/forum5/thread673868.html

俺只知道美国的房子贷款利息是可以减税的。所以他们使劲地借呀借。结果就风暴了。

 

[Ayin_Ottawa]

刚才google了：
Is Your Mortgage Interest Tax-Deductible? | Plan Your Escape

上面告诉大家如何利用房子来借钱投资。其中这样说：
If you are going to borrow money, you should use that money to buy an asset that will appreciate in value over time, such as stocks or mutual funds.

有意思。

 

[timmy]

对于自住房产，从来没有听说过贷款利息可以抵税的。也正因如此，如果你的业务不是倒买倒卖房子，卖房赚钱了也不用交税。

 

[waterloo]

自住房产，贷款利息也可以抵税的, that is the famous The Smith Manoeuvre
税务局也认可，不过操作复杂，要专家做帐
我等小小猫给鸡，专家赚完钱后实在可省不多，可是风险完全自己背。
这税务局从来都是几个秋后才算帐，一旦被抓到把柄，利息就赔死了

当然，从来都是撑死胆大的，有兴趣的不妨买本书。今年就可试一试了

 

[waterloo]

简单说吧，税务局说了Smith同志的理论是成立的
但是，具体你的钱从哪里借，投资在哪些产品是有讲究的，不是所有产品都可以。
所以万一 n年后的一天，税务局的老大说你这个投资不合格，就死定了。

还有你本人或者胆大，或者有一定的抗风险能力

真的要干 先买本书看看吧 也算大名作了

 

[ccc]

我混淆了。房地产税可以放入安省的ＴＡＸ　ＣＲＥＤＩＴ。

 

[ccc]

那是给65岁以上老人的税务优惠。年轻的可以填，填到最后是0。

从来没有得到过。原来如此。

是否也与收入高低有关系？

 

[rain tree]

.........所以他们使劲地借呀借。结果就风暴了。

 

[timmy]

自住房产，贷款利息也可以抵税的, that is the famous The Smith Manoeuvre

不要骗人了。按照上面的连接所说，那就涉及到非房产投资了（当然也就可以
抵扣了），怪不得要专家做账。就比如租/买一套房去做事务所，利息是可以抵
收入的，但那是另外一回事了。还有，你拿Mortgage去做其它投资，那可是“骗贷”！

 

[waterloo]

不要骗人了。按照上面的连接所说，那就涉及到非房产投资了（当然也就可以
抵扣了），怪不得要专家做账。就比如租/买一套房去做事务所，利息是可以抵
收入的，但那是另外一回事了。还有，你拿Mortgage去做其它投资，那可是“骗贷”！

原本懒得理你，但是FRASER SMITH, author of "The Smith Manoeuvre" 是非常值得尊敬的人，人家是Proud Canadian

你这井底之蛙先要懂得先搞清状况再攻击别人

 

[dkwan]

Any interest from borrowing is tax deductible if the money borrowed is to generate income.
So, interest regular mortgage are not tax deductible.
So, question is when interest becomes tax deductible?
It is when money borrowed(mortgage) is to generate income(rent or home based self employed sole proprietor business).
So, when you rent a room out, a portion of your interest paid is tax deductible.
So, when you running a business in your own house, a portion of your interest paid is tax deductible...etc

Got it?

 

[waterloo]

Any interest from borrowing is tax deductible if the money borrowed is to generate income.
So, interest regular mortgage are not tax deductible.
So, question is when interest becomes tax deductible?

Correct, but above is not "Smith Manoeuvre".
Smith's idea is for your primary principle residence and no impact to your cash flow. (What an ideal situation).
Basically, his idea is do not pay off your mortgage. And borrow money from the equity credit you get from your mortgage to invest. That is, convert your non-tax-deductible interest to tax-deductible interest.

I think the key is how to set up your investment and keep it profitable.

 

[Country on wheel]

Any interest from borrowing is tax deductible if the money borrowed is to generate income.
So, interest regular mortgage are not tax deductible.
So, question is when interest becomes tax deductible?
It is when money borrowed(mortgage) is to generate income(rent or home based self employed sole proprietor business).
So, when you rent a room out, a portion of your interest paid is tax deductible.
So, when you running a business in your own house, a portion of your interest paid is tax deductible...etc

Got it?

Here is mixed up. LZ asked for tax deductible for mortgage interest from employment income. You mentioned above that the interest expenses could be deductible only from related business income, i.e. rental income, or business income from the self-employment, but not allowed from the other regular employment income (e.g. your salary).

The main difference about tax treatment on housing between Canada and USA is: no tax deduction on mortgage interest expenses in Canada from your regular income (but yes in the USA), but no capital gain tax charge on your prime residence either (only one unit for a family), but tax on capital gain in the USA. Good luck!

 

[Smoky]

从来没有得到过。原来如此。

是否也与收入高低有关系？

I have asked CRA about this, they said it really depends on your income. If your income is higher,then return will be 0, but income is low then... who will buy a house which has low income, I don't think the bank will approve your mortgage.
So this is why you always get 0.

 

[ccc]

贷款利息，不能直接抵税。

如果你的房子出租，可以把贷款利息作为开销入帐；如果是部分出租，可按百分比把贷款利息作为开销入帐。换句话说，如果房子全部或部分做商业用途，贷款利息可以抵消部分收入，间接抵税。