贷款买了自住房，报税时有什么扺扣？

去年贷款买了一套公寓，是第一套住房，报税时能得到退税扺扣吗？比方说贷款利息支出什么的。对税务知识太少，请有经验或类似经历的人能给介绍一下。非常感谢

第一次买房优惠，其他都没有

Kartzchen 说:
第一次买房优惠，其他都没有

第一次买房优惠是什么意思？

judy10109 说:
第一次买房优惠是什么意思？

Kartzchen 说:
第一次买房优惠，其他都没有

第一次买房优惠是说买房时在交税方面已经给予优惠了？

judy10109 说:
第一次买房优惠是说买房时在交税方面已经给予优惠了？

必须是全球首次购房，过户时减2000刀的税。

自住房没有任何抵税的东东! 包括贷款利息, 地税, 等等,,,

除非出租了一部分, 只能报租客分摊的水电气和维修, 但最大抵扣的比例不能超50%, 否则变成了投资房,卖掉时要交增值税.

...........................

第一次买房，第二年报税时候可以抵扣5000报税收入

谢谢

yonger 说:
第一次买房，第二年报税时候可以抵扣5000报税收入

Horse Dragoon 说:
自住房没有任何抵税的东东! 包括贷款利息, 地税, 等等,,,

除非出租了一部分, 只能报租客分摊的水电气和维修, 但最大抵扣的比例不能超50%, 否则变成了投资房,卖掉时要交增值税.

...........................

yonger 说:
第一次买房，第二年报税时候可以抵扣5000报税收入

正解。

yonger 说:
第一次买房，第二年报税时候可以抵扣5000报税收入

学习了!

Line 31270 - Home buyers' amount

yonger 说:
第一次买房，第二年报税时候可以抵扣5000报税收入

真的假的？

gaogao5 说:
真的假的？

真的，就是从taxable income里可以扣掉5000，不过仅限全球首次购房。

yonger 说:
真的，就是从taxable income里可以扣掉5000，不过仅限全球首次购房。

这是哪个省的规矩还是联邦的规矩？谢谢

小糯米说:
这是哪个省的规矩还是联邦的规矩？谢谢

应该是联邦的。

这$5000是扣在收入上还是扣在收入税上？比如以下是1还是2？
1.收入50000，扣5000，按收入45000报税
2.收入50000，本应交税假设15000，扣5000只需交10000税？

Esq. 说:
这$5000是扣在收入上还是扣在收入税上？比如以下是1还是2？
1.收入50000，扣5000，按收入45000报税
2.收入50000，本应交税假设15000，扣5000只需交10000税？

1, 应该说是类似于1，实际是，先算出你的应交税，然后从应缴税里减去5000*0.15=750

用户名。说:
1, 应该说是类似于1，实际是，先算出你的应交税，然后从应缴税里减去5000*0.15=750

正解

用户名。说:
1, 应该说是类似于1，实际是，先算出你的应交税，然后从应缴税里减去5000*0.15=750

这个正解，这个是tax credit.

avalon3000 说:
这个正解，这个是tax credit.

去年买房的时候律师已经帮我们申请了first time home buyer tax credit, 就是没有交税

这个所说的tax credit是不是在做self tax return的时候在哪里填进去的一个tax credit? 能不能在详细说说？

fanforever 说:
去年买房的时候律师已经帮我们申请了first time home buyer tax credit, 就是没有交税

这个所说的tax credit是不是在做self tax return的时候在哪里填进去的一个tax credit? 能不能在详细说说？

对，填写在line369 ，具体你去看看森林哥贴的链接。

五年内在加拿大第一次买房，报税时可以claim home buyer amount（5000加币），是一个non refundable tax credit，就和你的personal tax credit那些一样。

wlhisya 说:
五年内在加拿大第一次买房，报税时可以claim home buyer amount（5000加币），是一个non refundable tax credit，就和你的personal tax credit那些一样。

来加5年以上第一次买房有什么政策？谢谢

森林给的视频链接上没说是来加五年之内啊。

It says:

A qualifying home is a housing unit located in Canada acquired after January 27, 2009. This includes existing homes and those being constructed.

Income Tax Season 2014: First-Time Home Buyers’ Tax Credit

First-time home buyers can claim a non-refundable tax credit of $750 for the purchase of a qualifying home.

Line 369 – Home buyers’ amount
You can claim an amount of $5,000 for the purchase of a qualifying home made in 2013, if both of the following apply:

you or your spouse or common-law partner acquired a qualifying home; and
you did not live in another home owned by you or your spouse or common-law partner in the year of acquisition or in any of the four preceding years (first-time home buyer).

Qualifying home
A qualifying home must be registered in your and/or your spouse’s or common-law partner’s name in accordance with the applicable land registration system, and must be located in Canada. It includes existing homes and homes under construction.

The following are considered qualifying homes:

single-family houses;
semi-detached houses;
townhouses;
mobile homes;
condominium units; and
apartments in duplexes, triplexes, fourplexes, or apartment buildings.

Note
A share in a co-operative housing corporation that entitles you to own and gives you an equity interest in a housing unit located in Canada also qualifies. However, a share that only gives you the right to tenancy in the housing unit does not qualify.

Persons with disabilities
You do not have to be a first-time home buyer if:

you are eligible for the disability amount; or
you acquired the home for the benefit of a related person who is eligible for the disability amount.

Note
The purchase must be made to allow the person eligible for the disability amount to live in a home that is more accessible or better suited to the needs of that person. For the purposes of the home buyers’ amount, a person with a disability is an individual who is eligible to claim a disability amount for the year in which the home is acquired, or would be eligible to claim a disability amount, if we do not take into account that costs for attendant care or care in a nursing home were claimed as medical expenses on lines 330 or 331.

You must intend to occupy the home or you must intend that the related person with a disability occupy the home as a principal place of residence no later than one year after it is acquired.

eor06 说:
来加5年以上第一次买房有什么政策？谢谢

也是一样可以claim homebuyer's amount

不知道别的省得优惠条件，在萨省第一次购房是有部分优惠的，如果自己用软件报的话，能看到返回多少的。

我来正确解释一下这个first time home buyer tax credit
1. 首先这个non-refundable tax credit , 填在Schedule 1 federal tax 表中 line 369 项。最大额5000. 就是用5000*0.15=750 。把这部分从你的联邦税里扣除。比如你原来按Schedule 1 算联邦税是3000，如果你在本税季里第一次购房，你可以减去这个credit ,你实际的缴税就是2250 。
2. 没有什么5年之内新移民之说，任何人第一次买房都可以申请。上面有人提到2009年的字样是因为这个税务优惠政策是从2009年税季开始的。
3. 这个tax credit 不能追溯。就是说如果你当年收入低，其它项就已经把你的税减为零了，你就不能享受这个税务优惠了。同时你不能在以后的年度报。必须是本税季。

美国和日本的房屋贷款利息可以报税的时候计算免税扣除，加拿大没这个政策，抠门得很。

Esq. 说:
这$5000是扣在收入上还是扣在收入税上？比如以下是1还是2？
1.收入50000，扣5000，按收入45000报税
2.收入50000，本应交税假设15000，扣5000只需交10000税？

以上都不是，如果你的应交税是15000，你可以抵掉5000 x 15%=750

一泓秋水说:
以上都不是，如果你的应交税是15000，你可以抵掉5000 x 15%=750

原来这样啊，这么少，塞牙缝都不够

森林之歌说:
Income Tax Season 2014: First-Time Home Buyers’ Tax Credit

First-time home buyers can claim a non-refundable tax credit of $750 for the purchase of a qualifying home.

Line 369 – Home buyers’ amount
You can claim an amount of $5,000 for the purchase of a qualifying home made in 2013, if both of the following apply:

you or your spouse or common-law partner acquired a qualifying home; and

you did not live in another home owned by you or your spouse or common-law partner in the year of acquisition or in any of the four preceding years (first-time home buyer).

Qualifying home
A qualifying home must be registered in your and/or your spouse’s or common-law partner’s name in accordance with the applicable land registration system, and must be located in Canada. It includes existing homes and homes under construction.

The following are considered qualifying homes:

single-family houses;

semi-detached houses;

townhouses;

mobile homes;

condominium units; and

apartments in duplexes, triplexes, fourplexes, or apartment buildings.

Note
A share in a co-operative housing corporation that entitles you to own and gives you an equity interest in a housing unit located in Canada also qualifies. However, a share that only gives you the right to tenancy in the housing unit does not qualify.

Persons with disabilities
You do not have to be a first-time home buyer if:

you are eligible for the disability amount; or

you acquired the home for the benefit of a related person who is eligible for the disability amount.

Note
The purchase must be made to allow the person eligible for the disability amount to live in a home that is more accessible or better suited to the needs of that person. For the purposes of the home buyers’ amount, a person with a disability is an individual who is eligible to claim a disability amount for the year in which the home is acquired, or would be eligible to claim a disability amount, if we do not take into account that costs for attendant care or care in a nursing home were claimed as medical expenses on lines 330 or 331.

You must intend to occupy the home or you must intend that the related person with a disability occupy the home as a principal place of residence no later than one year after it is acquired.

从字面上看，应该是首次购买自住房，投资房不算。
比如，你先买了n个房，但是都租出去了，到你买n+1个房的时候，才自己住，这时候还是可以claim 这个credit；
如果是这样，还挺有意思，没准我还能用上，呵呵。

加拿大家园论坛

贷款买了自住房，报税时有什么扺扣？

原文链接：https://forum.iask.ca/threads/755311/

加拿大家园论坛贷款买了自住房，报税时有什么扺扣？

原文链接：https://forum.iask.ca/threads/755311/

加拿大家园论坛

贷款买了自住房，报税时有什么扺扣？