RRSP如果交的数目超过limit的话，惩罚额度有地方查询吗？

[苦逼热狗]

2008年只上了半年班，结果2009 RRSP deduction limit给少了
如果我2009年RRSP交多了的话，会被罚款吗？有没有地方可以查询会罚多少？
如果想避免被罚的话，是否需要在快到限额的时候停止交RRSP?
:thanks:

 

[tianf]

2009 RRSP deduction limit你是怎么知道的？难道你的2008年ASSESSMENT出来了？
如果你2009年RRSP交多了的话，肯定会被罚款。
如果想避免被罚的话，在到限额的时候停止交RRSP就行了。

 

[苦逼热狗]

2009 RRSP deduction limit你是怎么知道的？难道你的2008年ASSESSMENT出来了？
如果你2009年RRSP交多了的话，肯定会被罚款。
如果想避免被罚的话，在到限额的时候停止交RRSP就行了。

嗯出来了，明天他们会直接把钱给存到我银行

 

[Ayin_Ottawa]

Here is it from TD (Maximum RRSP contributions - TD Canada Trust):

$2,000 lifetime over-contribution limit

If after receiving your statement from CRA, you find that you've made contributions in excess of your contribution limit, there is a "safety net". Over-contributions can remain in your plan without penalty as long as the excess balance is $2,000 or less. (If your over-contribution exceeds $2,000, you may be assessed a penalty of 1% per month on the excess amount.) While you won't get a tax deduction for any over-contribution in the year it is made, you can claim it as part of your contribution limit in subsequent years.

 

[风 雨]

The penalty, if I recall correctly, is 1% per month on the amount of over-contribution (the first $2000 of the over-contribution is forgiven).