先付mortgage还是买RRSP

[呆呆虫]

请教达人: 应该先付mortgage还是买RRSP(边际税率16%+6%)?

多谢了!

 

[闲得慌]

RRSP
Mortgage rate is so low.

 

[jmm]

RRSP first then use the refund to pay mortgage

 

[呆呆虫]

Thanks a lot!

 

[ccc]

Smart guys!

 

[水果刀]

RRSP可以避税，RRSP下的资产可以升值 远远高于mortgage rate, 并且楼上有人说过了 每年tax refund 可以去付mortgage.
中国人的习惯不愿意欠钱 这是中国的金融体制所决定的 在加拿大较为完善的金融体制下 合理欠钱还能增加收入 很多投资者永远都不付清mortgage, 而是用mortgage去投资从而获得回报

 

[mugua]

Agree.

But it also depends on your current imcome and your income expectation in the coming few years. If your current is still within the lower income tax evelope but will be soon into the next income tax level, you can accumulate your RRSP credits to offset the higher tax portion.