请问买了RESP会影响大学贷款吗？

[newlifestartnow]

你这里“上了大学后， 把本金拿回去”，实际上还是以孩子的名义取出来的，所以得计入孩子财政来源，但免税。

不是的。只有政府补的钱和盈利算小孩的。我做这个的我很清楚

 

[newlifestartnow]

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。

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？

看来误区很多啊, 你买resp的经纪没有告诉你resp的钱可以全球用么

18年的投资也不会只投定期吧。

 

[茉茉]

看来误区很多啊, 你买resp的经纪没有告诉你resp的钱可以全球用么

18年的投资也不会只投定期吧。

如果去美国留学，另外有美元，所以不用加币RESP也行的。我才来加拿大几年。

 

[markmike]

如果孩子快上大学了，我记得可以双倍买，这样收益还是很好的。问问专家吧。

 

[markmike]

不是的。只有政府补的钱和盈利算小孩的。我做这个的我很清楚

我记得申请osap时，会问你从resp取出多少，每次我们都是把实际提取总额（也就是父母存入的本金+政府给的grant）填入，这样不对吗？

 

[newlifestartnow]

如果去美国留学，另外有美元，所以不用加币RESP也行的。我才来加拿大几年。

你不用不等于要告诉政府resp的盈利要算在自己头上吧。钱总是要取出来的。只要是上大学怎么用就随便了。

 

[sofia]

我记得申请osap时，会问你从resp取出多少，每次我们都是把实际提取总额（也就是父母存入的本金+政府给的grant）填入，这样不对吗？

如果不影响贷款总额就无所谓，如果父母收入高就有所谓。像我前面的例子，我写一月2000和一月166，贷款总额就是15000和3250的区别。

 

[win22]

我真不明这个金额是有规定填哪个吗？可以随便填的吗？有的说只填政府补贴部分

 

[win22]

如果不影响贷款总额就无所谓，如果父母收入高就有所谓。像我前面的例子，我写一月2000和一月166，贷款总额就是15000和3250的区别。

我还没弄明白，究竟是可以只填政府补贴部分吗？本金不用填吗？
我也想填金额小点，贷款额度会多些

 

[sofia]

怎么这么多人说了还不明白？

 

[win22]

如果不影响贷款总额就无所谓，如果父母收入高就有所谓。像我前面的例子，我写一月2000和一月166，贷款总额就是15000和3250的区别。

你这样填是只可以今年在resp帐户取2000元吗？

 

[markmike]

我真不明这个金额是有规定填哪个吗？可以随便填的吗？有的说只填政府补贴部分

没查到依据。
但我认为应该填总额，也就是父母存入的本金+政府给的grant。从因果关系讲， grant是因为父母的供款而生，应该是没有前者，就没有grant。
哪位能查到明确官方说法，请告知

 

[sofia]

An educational assistance payment (EAP) is the amount paid to a beneficiary (a student) from an RESP to help finance the cost of post-secondary education. An EAP consists of the Canada education savings grant, the Canada learning bond, amounts paid under a provincial education savings program and the earnings on the money saved in the RESP. The promoter reports EAPs in box 042 on a T4A, Statement of Pension, Retirement, Annuity, and Other Income slip and sends a copy to the student. The student includes the EAPs as income on his or her income tax and benefit return for the year the student receives them.

 

[sofia]

• for studies in a qualifying educational program – $5,000, for the first 13 consecutive weeks in such a program. After the student has completed the 13 consecutive weeks, there is no limit on the amount of EAPs that can be paid if the student continues to qualify to receive them. If there is a 12-month period in which the student is not enrolled in a qualifying educational program for 13 consecutive weeks, the $5,000 maximum applies again; or

 

[sofia]

Subject to the terms and conditions of the RESP, the promoter can supplement the $5,000 or $2,500 EAP by paying a portion of the contributions tax-free to the beneficiary.

 

[markmike]

An educational assistance payment (EAP) is the amount paid to a beneficiary (a student) from an RESP to help finance the cost of post-secondary education. An EAP consists of the Canada education savings grant, the Canada learning bond, amounts paid under a provincial education savings program and the earnings on the money saved in the RESP. The promoter reports EAPs in box 042 on a T4A, Statement of Pension, Retirement, Annuity, and Other Income slip and sends a copy to the student. The student includes the EAPs as income on his or her income tax and benefit return for the year the student receives them.

这段话只讲了政府给的grant（EAP）是作为学生报税收入。
osap要求填报的财务状况不仅是计税收入，还包括其它。

 

[sofia]

EAP是给学生的，上学的第一个13周上限是5000，过了13周就没有限制了，根据情况可以把本金的一部分也给学生在5000的限额上。

 

[sofia]

这段话只讲了政府给的grant（EAP）是作为学生报税收入。
osap要求填报的财务状况不仅是计税收入，还包括其它。

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 notinclude 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).

 

[markmike]

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 notinclude 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).

这段话重点是讲本金不管是付给家长还是孩子，都是tax-free。
但其它的没有讲，其它就是我在51楼回复中讲到的部分。 这是从一个专业网站看到的。没查到官方说法。

 

[sofia]

这段话重点是讲本金不管是付给家长还是孩子，都是tax-free。
但其它的没有讲，其它就是我在51楼回复中讲到的部分。 这是从一个专业网站看到的。没查到官方说法。

就是说即可以给家长也可以给孩子，自己决定好了。