多买了RRSP如何报？

[冷笑卅声]

您别老冷笑好不好!我脊梁发冷
这我倒是没看到，我光看税表了。看来我买的RRSP好像没超过额度，因为我好多年没买，所以没罚款。

What to do with unused RRSP, PRPP or SPP contributions - Canada.ca

What to do with unused RRSP, PRPP or SPP contributions

www.canada.ca

If you did not deduct all of the contributions you made to your RRSP/PRPP/SPP or your spouse's or common-law partner's RRSP/SPP, you have two options:

• you can leave the unused contributions in the plan
• you can withdraw the unused contributions

In either case, if you contribute over your RRSP deduction limit, you may have to pay tax on the unused contributions that exceed your RRSP deduction limit.

If you withdraw the unused contributions, you have to include them as income on your tax return. However, you may be able to deduct an amount equal to the withdrawn contributions. For more information, see withdrawing unused contributions.

不行，不行，笑起来收不住
还是问cra吧

 

[joe_xj]

买多了超额太多就会让交额外的税，没有其他的罚款

不可能买了，但报税的时候不报的，瞒不住的，银行会报备的

也许你说的是报了，但不用来抵税，这个可以，可以留到以后抵税用

如果是单位转了额度导致超了，你不知道的前提下，也许该call CRA问问具体怎么处理

 

[Teddy]

每年over contribution额度是2000

这个$2000有讲究，我当年细研究文件，好像整出两个$2000的条款，一般专业人士理解不了。我现在Room 太多，就不再琢磨这些了

 

[copper]

这个$2000有讲究，我当年细研究文件，好像整出两个$2000的条款，一般专业人士理解不了。我现在Room 太多，就不再琢磨这些了

谢谢各位的回复，基本懂了，就是要罚，要交税。多谢