请问买了RESP会影响大学贷款吗?

sofia

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噢,是填政府补贴部分,随便自己填要用多少吗?比如你说用2000元!
政府不管你怎么用,只是你毕业用不完的话政府会收回去。政府补贴部分和投资产生的收益才是孩子的,本金是家长的,当然如果你想给孩子用是你自己的决定,如果你把本金都给孩子用,还是会影响贷款额度的。
 

sofia

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resp里的钱不是只可以给孩子读大学用的吗?那么本金也是给孩子读书用的吧?
你填用2000元,是否今年在resp帐户里只可以取出2000元呢?本金部分今年不可以取的是吗?
本金是家长的,给不给是你的决定,政府补助部分是必须给孩子上学用的。
 
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把我的使用RESP体会总结一下。
这里说的学生贷款是指OSAP,其他省也许不同。
1.RESP影响不影响学生贷款
应该说RESP对OSAP有影响。OSAP在评估贷款额度时,是要看学生财务来源情况的,不管这个来源是自己工作收入,还是父母支持,还是其它贷款,还是RESP,只要你学习期间能得到的款项,都作为财务来源。另外看你预计支出情况。预计支出减去财务来源,两者差额,才是可能的贷款额度。
2.父母的收入影响不影响学生贷款。
分两者情况。
学生年龄小于22岁,父母的收入对贷款影响,不管父母给不给,除非有亲子关系断绝声明。
学生年龄大于22岁,父母的收入对贷款无影响。
3.RESP的用途。
政府设立RESP的目的,就是鼓励家长为子女上学给以资助。你买RESP实际上就是对孩子的赠予行为,所以严格说,RESP只能用于孩子学业期间,用于孩子。家长可以自己用,那是相对于从孩子手里要回去了,你不发声明,政府也不会追究,但如果你真发声明撤回赠予的RESP,政府也会收回相应的奖励。所以,政府只要你提取RESP,都是作为学生财政来源的。但只有利息和政府奖励部分才计入学生收入。
4.买不买RESP。
收入高的家庭应该买,因为你不买,也得不到OSAP,买了就能得到政府奖励部分。
收入低的家庭,有闲钱可以适当买点,也可不买。
5. 什么时候用RESP
尽量早用。
特别是收入中等,买的不多的家庭,先用光,后几年的OSAP就不受影响。还有用不完的话,政府会收回经历部分。
 
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把我的使用RESP体会总结一下。
这里说的学生贷款是指OSAP,其他省也许不同。
1.RESP影响不影响学生贷款
应该说RESP对OSAP有影响。OSAP在评估贷款额度时,是要看学生财务来源情况的,不管这个来源是自己工作收入,还是父母支持,还是其它贷款,还是RESP,只要你学习期间能得到的款项,都作为财务来源。另外看你预计支出情况。预计支出减去财务来源,两者差额,才是可能的贷款额度。
2.父母的收入影响不影响学生贷款。
分两者情况。
学生年龄小于22岁,父母的收入对贷款影响,不管父母给不给,除非有亲子关系断绝声明。
学生年龄大于22岁,父母的收入对贷款无影响。
3.RESP的用途。
政府设立RESP的目的,就是鼓励家长为子女上学给以资助。你买RESP实际上就是对孩子的赠予行为,所以严格说,RESP只能用于孩子学业期间,用于孩子。家长可以自己用,那是相对于从孩子手里要回去了,你不发声明,政府也不会追究,但如果你真发声明撤回赠予的RESP,政府也会收回相应的奖励。所以,政府只要你提取RESP,都是作为学生财政来源的。但只要利息和政府奖励部分才计入学生收入。
4.买不买RESP。
收入高的家庭应该买,因为你不买,也得不到OSAP,买了就能得到政府奖励部分。
收入低的家庭,有闲钱可以适当买点,也可不买。
5. 什么时候用RESP
尽量早用。
特别是收入中等,买的不多的家庭,先用光,后几年的OSAP就不受影响。还有用不完的话,政府会收回经历部分。
孩子上大学后, 家长可以一次性把本金拿出来
 

sofia

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Subject to the terms and conditions of the RESP, the promoter can return your contributions to you tax-free when the contract ends or at any time before. Promoters do not issue a T4A slip, Statement of Pension, Retirement, Annuity and Other Income, to report these payments. Do not include these payments as income on your income tax and benefit return.

The promoter can also pay the contributions tax-free to the beneficiary. This is in addition to any taxable educational assistance payments. For more information, see Educational assistance payments (EAPs).
以CRA的说法为准。
 
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Subject to the terms and conditions of the RESP, the promoter can return your contributions to you tax-free when the contract ends or at any time before. Promoters do not issue a T4A slip, Statement of Pension, Retirement, Annuity and Other Income, to report these payments. Do not include these payments as income on your income tax and benefit return.

The promoter can also pay the contributions tax-free to the beneficiary. This is in addition to any taxable educational assistance payments. For more information, see Educational assistance payments (EAPs).
以CRA的说法为准。

Withdrawals of Original Contributions
The withdrawal of a subscriber’s original contributions is called a Refund of Contributions and is tax-free, and this withdrawal can be made at any time. The subscriber can request a Refund of Contributions be paid to the subscriber or they can direct the RESP promoter/provider to pay the Refund of Contributions directly to a student beneficiary. For example, if a RESP beneficiary decides not to go to school or the RESP is to be terminated, a Refund of Contributions can be requested at any time. There are no restrictions on the use of the refunded contributions.

In general, because the subscriber’s original contributions were not deductible from their income in the year of the contribution, these contributions were made with after-tax monies. As a result, the subscriber’s original contributions are consider by the CRA to be a refund and can be withdrawn from the RESP at anytime – tax-free.

In addition, the government grants were contributed to the RESP account free of taxation and the RESP investment income was allowed to accumulate within the RESP without paying any income tax. As a result, when these amounts are withdrawn from the RESP account, the withdrawal must be included in the student beneficiary’s income for tax purposes.

Because the original subscriber contributions can be withdrawn tax-free at anytime, there are no restrictions on Refund of Contributions. If you plan to make a withdrawal of subscriber contributions and there is not a student beneficiary eligible to receive an EAP payment, the following rules are applied:

  • Contributions that were accompanied by CESG grants are considered to be refunded before those contributions that were not accompanied by a CESG grant.
  • Where a Refund of Contributions is made, and the original contribution was accompanied by a CESG grant, you must repay any associated grant.
  • The CESG grant repayment is made to Human Resources and Skills Development Canada (HRSDC) and the repayment amount will equal the lesser of:
    • 20% of the amount of the refund, or
    • any balance, at the time of refund, in the grant account of the RESP. Note: The amount repaid to HRSDC does not include income earned by the CESG grant monies.
 
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Withdrawals of Original Contributions
The withdrawal of a subscriber’s original contributions is called a Refund of Contributions and is tax-free, and this withdrawal can be made at any time. The subscriber can request a Refund of Contributions be paid to the subscriber or they can direct the RESP promoter/provider to pay the Refund of Contributions directly to a student beneficiary. For example, if a RESP beneficiary decides not to go to school or the RESP is to be terminated, a Refund of Contributions can be requested at any time. There are no restrictions on the use of the refunded contributions.

In general, because the subscriber’s original contributions were not deductible from their income in the year of the contribution, these contributions were made with after-tax monies. As a result, the subscriber’s original contributions are consider by the CRA to be a refund and can be withdrawn from the RESP at anytime – tax-free.

In addition, the government grants were contributed to the RESP account free of taxation and the RESP investment income was allowed to accumulate within the RESP without paying any income tax. As a result, when these amounts are withdrawn from the RESP account, the withdrawal must be included in the student beneficiary’s income for tax purposes.

Because the original subscriber contributions can be withdrawn tax-free at anytime, there are no restrictions on Refund of Contributions. If you plan to make a withdrawal of subscriber contributions and there is not a student beneficiary eligible to receive an EAP payment, the following rules are applied:

  • Contributions that were accompanied by CESG grants are considered to be refunded before those contributions that were not accompanied by a CESG grant.
  • Where a Refund of Contributions is made, and the original contribution was accompanied by a CESG grant, you must repay any associated grant.
  • The CESG grant repayment is made to Human Resources and Skills Development Canada (HRSDC) and the repayment amount will equal the lesser of:
    • 20% of the amount of the refund, or
    • any balance, at the time of refund, in the grant account of the RESP. Note: The amount repaid to HRSDC does not include income earned by the CESG grant monies.
小孩没有上大学时把本金拿出来, 政府的match也会被收回去, 上了大学后, 把本金拿回去, 政府的grant也不会收回去了。
 
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那么多人都说了申请osap时是需要填你有多少resp的。 我申请的时候清楚记得在正式申请的时候填了的

你是对的。

但RESP对OSAP 影响有限。所以, 不管将来能拿多少和拿到拿不到OSAP,都要尽最大能力全款买RESP,20%的收益到哪去找?
 

天涯

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你是对的。

但RESP对OSAP 影响有限。所以, 不管将来能拿多少和拿到拿不到OSAP,都要尽最大能力全款买RESP,20%的收益到哪去找?
有许多华人家长跟我说,购买的RESP以后OSAP的贷款就少了,所以还是不买的好。我怎么说TA们都不相信,只会认为我是因为要赚TA们的佣金才那样说的。

其实,不买RESP才是最亏的。

对于我来说,还真不是佣金的问题,想想每年2500块钱的投入,我有多少钱可赚啊。有很多人问我在哪里买好,我基本上告诉TA们一点,团体的RESP千万别买之外,到哪里买都行,如果图方便,到银行买最简单。如果想要一个人为你服务,那就来找我。

我公司有一个agent是专职卖RESP的,但她是卖团体的。她的观念与其他人很不一样,在我们大部分人认为finch & Jane那个区域根本没有什么生意可做的情况下,她的生意重点就在那个地方。因为那个地方人都很穷,基本上都放弃小孩今后上大学的打算,所以没钱更不会为小孩存钱。我这个同事就向这些人推销团体RESP,告诉客户,一个月就两百块钱,给孩子一个改变命运的机会,而且政府也给出很多福利,所以那些人都买了。你想一单的团体RESP的佣金还是蛮多的,就这样她的业务也做得相当不错。
 
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你是对的。

但RESP对OSAP 影响有限。所以, 不管将来能拿多少和拿到拿不到OSAP,都要尽最大能力全款买RESP,20%的收益到哪去找?
RESP应该买。但买多少,什么时间买,还是有讲究的。
如果孩子一岁就买,放18年,就放银行拿利息的话,18年下来,收益不会太好。
 
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孩子上大学后, 家长可以一次性把本金拿出来
谢谢,这条信息太好了。可是因为分在两个银行里的,记不住本金是多少了。银行记得就行。。。
这几年市场不行,收益也没三瓜俩枣的。如果孩子不在加拿大读书也不准备用这个RESP支付学费的话,收益就在当年由家长报税吧?
 

天涯

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RESP应该买。但买多少,什么时间买,还是有讲究的。
如果孩子一岁就买,放18年,就放银行拿利息的话,18年下来,收益不会太好。
如果18年都放在定期存款里头确实回报不怎么样,如果这样的话,那也太那个什么了,我想随便弄个平衡基金或是比平衡基金重保守一点的基金比如conservative profile,18年下来收益应该也还是可以的,起码比定期要好一点。
 

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