请教各位专家：投资房报税问题
- 主题发起人 sth4sale
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谢谢三位。
但根据都是什么呢。
第一个问题，我查了下CRA的 Retal Income Guide，是这么说的
"You might refinance your rental property to get money for a
reason other than buying or improving your rental
property. If you use the funds for a business or other
investments, you may be able to claim the interest expenses
on Schedule 4. See line 221 in the General Income Tax and
Benefit Guide, or the “Expenses” chapter in Guide T4002,
Business and Professional Income. If the funds are for personal
use, you cannot deduct the interest expenses."
但这里说的是"rental property",我的理解是"正在或者是已经在出租的房子",而我的房子在"refinance"时,不是"rental property",所以我理解我的问题一，不适用这个条款。
不知道这么理解对不对。
但没查到自住房"refinance"再出租的条款
但根据都是什么呢。
第一个问题，我查了下CRA的 Retal Income Guide，是这么说的
"You might refinance your rental property to get money for a
reason other than buying or improving your rental
property. If you use the funds for a business or other
investments, you may be able to claim the interest expenses
on Schedule 4. See line 221 in the General Income Tax and
Benefit Guide, or the “Expenses” chapter in Guide T4002,
Business and Professional Income. If the funds are for personal
use, you cannot deduct the interest expenses."
但这里说的是"rental property",我的理解是"正在或者是已经在出租的房子",而我的房子在"refinance"时,不是"rental property",所以我理解我的问题一，不适用这个条款。
不知道这么理解对不对。
但没查到自住房"refinance"再出租的条款
hotswapping
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Since ur current house is paid off. If u rent it out. U can't claim interest. So ur first question is no.
Ur second question is yes. But u have to claim 50:50 in the future. U can't change once u claim it. If ones income is lower, he/she should claim 90%, the higher side only claim 10%.
From what u talked. U can refinance ur current home. Get 20w to buy a house. Then rent that house out. U can claim interest. But u still live in ur current house.
Ur second question is yes. But u have to claim 50:50 in the future. U can't change once u claim it. If ones income is lower, he/she should claim 90%, the higher side only claim 10%.
From what u talked. U can refinance ur current home. Get 20w to buy a house. Then rent that house out. U can claim interest. But u still live in ur current house.
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我来帮楼主梳理一下。
1. 楼主有一套房子（房A)，贷款已付清。
2. 楼主将房A remortgage 出来 20w. 注意，现在房A有了20万贷款
3. 用上面的20万做首付去买房B.
4. 自己搬进房B
5. 出租房A。
答问题1：因出租房A的20万贷款所付出的利息当然可以做抵税用， 因为出租房的收入是要上税的。
答问题2：因为房A在楼主一人的名下，是投资房，不是自住房，其投资的收入当然也是楼主一个人的。解决这个问题的办法是， 找公证师做一个公证：你同意把房A的 x% 转移到你老婆名下。你的公证师回到市里去登记这个改变。
1. 楼主有一套房子（房A)，贷款已付清。
2. 楼主将房A remortgage 出来 20w. 注意，现在房A有了20万贷款
3. 用上面的20万做首付去买房B.
4. 自己搬进房B
5. 出租房A。
答问题1：因出租房A的20万贷款所付出的利息当然可以做抵税用， 因为出租房的收入是要上税的。
答问题2：因为房A在楼主一人的名下，是投资房，不是自住房，其投资的收入当然也是楼主一个人的。解决这个问题的办法是， 找公证师做一个公证：你同意把房A的 x% 转移到你老婆名下。你的公证师回到市里去登记这个改变。
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hi, OCAC
see this page:
http://www.milliondollarjourney.com...dence-into-a-rental-property-the-solution.htm
this Solutions is legal?
see this page:
http://www.milliondollarjourney.com...dence-into-a-rental-property-the-solution.htm
this Solutions is legal?
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this solution definitely works, however you and your parents need to pay following expenses:
- legal fees for buying and selling
- land transfer tax for the purchase
- may or may not incur bank fees
You need to consider both the advantage and disadvantage of this solution to see if this is desirable.
- legal fees for buying and selling
- land transfer tax for the purchase
- may or may not incur bank fees
You need to consider both the advantage and disadvantage of this solution to see if this is desirable.
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