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banana

我是一位理财顾问,

我信奉"顾客至上,诚信可靠"的道理.

如果您有需要了解税务,保险, 投资等各方面的信息请联系我,

我可以给大家提供免费咨询服务.

帮您节省不必要的开销，尽快增长您的资产.

若我的答复你不满意, 请您告诉我! 我一定会让自己做得更好!

我可以回答你有关:

1. DEBT ELIMINATION
2. INCOME PROTECTION
3. INVESTMENT
*教育基金(RESP) * 退休计划 (RRSP) *Income Tax Return
4. INCOME MANAGEMENT AND OTHER ADVISE

电话: 416-358-4168
Email: [email protected]

zhmsi

请教大师下面的"mortgage"是什么意思?



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You can contribute certain property to a self-directed RRSP, such as a mortgage, shares, cash, bonds, or a unit of a mutual fund trust.

http://www.cra-arc.gc.ca/tax/indivi...directed-e.html
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Mortgages
¶ 11. A mortgage, or an interest therein, in respect of real property situated in Canada is a qualified investment for a plan trust. There is no requirement that the mortgage be a first mortgage or a residential mortgage. However, where the mortgagor is

a person who is an annuitant, a beneficiary or a subscriber under the plan trust, or
any other person who does not deal at arm's length with such person
the mortgage must be administered by an approved lender under the National Housing Act and insured

under the National Housing Act, or
by a corporation that offers its services to the public as an insurer of mortgages and is approved as a private insurer of mortgages.
Where an RRSP or a RRIF holds a mortgage on real property owned by the annuitant, or by a person who does not deal at arm's length with the annuitant, the registration of the plan trust may be jeopardized and/or certain benefit and penalty provisions of the Act may apply where

the amount of the mortgage interest rate and other terms do not reflect normal commercial practice; and
the mortgage is not administered by the approved lender in the same manner as a mortgage on property owned by a stranger.
¶ 12. Although real property is not a qualified investment for a plan trust, in the particular case where it is acquired as a consequence of a mortgage that is in default under which the plan trustee was the mortgagee, such a transaction will not be regarded as an acquisition of a property that is not a qualified investment if it is offered for sale under reasonable conditions and it is sold within a reasonable period of time. Except in unusual circumstances, a reasonable period would not exceed one year from the date of acquisition by the plan trust.


http://www.cra-arc.gc.ca/E/pub/tp/i...html#P171_25854

zhmsi

我想建立"配偶账号".

条件是:

1."我"是高收入,"我的配偶"是低收入.
2.使用 CIBC 自管账号(Self-Directed Brokerage).

问题:

1.开户:"lan Holder" 是"我", 正确吗?
2.供款:如果"我的配偶"也要供款,是往这个"配偶账号"里放,还是需另外开一个"individual账号".
3.供款:如果"我"要给"我"供款,是往这个"配偶账号"里放,还是需另外开一个"individual账号".

多谢!

zhmsi

Spousal RRSP应该译为:配偶可供款的 RRSP.
Individual RRSP应该译为:自己供款的 RRSP.

应当建立两个"配偶可供款"RRSP.然后相机行事.


当我的收入高时,往对方的帐号里放.
当对方的收入高时,往我的帐号里放

teabar

对于二楼的问题，在这里要明白一个问题，Trust，中文就是所谓的信托。还是不能详细的解说这里的问题。
我的英语和作文都不好，用通俗的语言给您解说一下吧。
首先您要有一大笔钱，可能是百万级的，建立一个Trust。一般Trust不是一个独立的法人实体，要制定Trustee，Beneficiaries等。还要起草一些法定文档。小的Trust可以不请律师（比如给您未成年的子女建立Trust)，但这种必须请律师。然后以Trust的名义开展业务，房屋贷款。但贷款给相关人员的亲属（not at arm's length）可能有罚款，要给其他非相关的人。
因为这种投资的要求太高，费用也挺大的，一般很少有人做这种投资，我知道得也不是非常全面。您应该咨询律师。

三楼的问题配偶RRSP的问题
对于CIBC的自管帐户我不了解，我只是说一下一般的规则。
作为高收入方为配偶建立配偶RRSP，要建立一个配偶RRSP账户
高收入方自己RRSP，也要建立一个自己的帐户
地收入方自己RRSP，也要建立一个自己的账户

因此您最少要建3个RRSP账户。
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