首次买房的RRSP问题

[笨妈笨爸]

如果年初存入RRSP一万，年底之前，发现要首次买房，于是把年初存入RRSP的1万提了出来。
来年报税时，年初在RRSP存入1万的记录是否可以用来抵税？谢谢。

 

[超级潜水员]

可以，只要超过90天就行。注意取RRSP的时候要用特别的Form。

 

[笨妈笨爸]

Sounds great!

 

[9418]

这钱以后要还回去，否则你还是要交税。

 

[会飞的鸟]

分15年还，每年存入RRSP几百块，当作还款，不算当年的RRSP，不抵税

 

[dkwan]

如果年初存入RRSP一万，年底之前，发现要首次买房，于是把年初存入RRSP的1万提了出来。
来年报税时，年初在RRSP存入1万的记录是否可以用来抵税？谢谢。

Hold on.
Probably you need to specify dates in your example. I assume you have room when you contribute.
If your 10,000$ RRSP contribution is on or before the first 60th days in 2013, and not in your 2012 tax return, it's a yes.
If your 10,000$ RRSP contribution is on or before the first 60th days in 2013, and included in your 2012 tax return, it's no.
If your 10k RRSP contribution is after the first 60days of 2013, it's a yes and make your 1st repayment in 2013 as well.